If a check or ACH payment returns or your loan defaults you can contact Check City’s Payment Center at (804) 729-3601.
Check City is licensed by the Commonwealth of Virginia.
Yes, you can repay your loan in full at any time with no prepayment penalty. Paying your loan in full prior to the final due date may result in a rebate of interest and fees.
Yes, you are eligible to refinance your loan after your first successful payment.
Check City offers short-term loans in Virginia from $100.00 to $1,000.00. For more information about other products and services we offer, visit www.checkcity.com.
Check City offers short-term loans with an interest rate up to 36%. In addition to the interest rate, a Monthly Maintenance Fee will be charged. The Monthly Maintenance Fee is 8% of the amount borrowed or $25.00, whichever is less.
The Annual Percentage Rate (”APR”) is the cost of your loan expressed as a yearly rate. The actual APR of your Short-Term Loan may be higher or lower than
the one in the example, depending on how much you actually borrow and your actual repayment schedule.
To apply for a Short-Term Loan with Check City you will need the following:
Your Short-Term Loan limit will be established once your application has been processed. Your limit will be based on:
Check City will lend up to $1,000.00. You may borrow any amount up to your loan limit. Note that limits may change if any of the items listed above change.
Your payment will typically be setup to land on your pay dates (when you receive your income). Payment dates will be outlined in your loan agreement.
When completing your loan, you can decide if you would like to authorize ACH debit payments or use a check as collateral.
You can go into the store any time on or before the payment due date and pay with cash or a debit card.
You can call the store any time on or before the payment due date and pay with a debit card over the phone.