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Cash Advance Loans at Check City 

Get a Fast and Convenient Cash Advance Loan when you need it the most, at Check City.



When used effectively* a Cash Advance can help customers avoid paying late, overdraft, over the limit, and reconnection fees. 

They can also save you from the negative and long-term impact that late fees can have on your credit score.

Apply Online or walk away with cash today by visiting a Check City Location in person.


How Does a Cash Advance Work?

Counting Cash

Cash advance loans are a simple, short-term loan, set up to be repaid on a customer’s next paycheck.

The process for getting a Cash Advance is so simple, it only calls for 3 easy steps. 

How to get a loan

How to Get a Cash Advance Online

Check City offers online Cash Advances for your convenience. So you can submit your application and receive your funds all online. 

Online Cash Advances can also get you the funds you need  into your checking account the next business day.

Step 1: Visit and fill out the application online.

Step 2: We will review your application.

Step 3: If approved, funds will be directly deposited into your account within 24 hours.


How to Get a Cash Advance Near You

By visiting a Check City store to apply for a Cash Advance, you can walk away with the cash you need. 

Step 1: Walk into any Check City Location and fill out an application.

Step 2: Write a personal check† for the loan amount you need (plus our standard fee).

Step 3: If approved, walk away with your Cash Loan and the funds you need.


What You Need to Qualify

Thumbs up Loan Approved

A Steady Source of Income. 

A steady source of income is essential for a Cash Advance loan. This is because Cash Advances need your next paycheck to secure the loan. 

A Current State or Federal ID.

Like most lenders, Check City needs to see a state or federal form of identification in order to validate your identity. 

This helps reduce fraud and the risks that lenders like us take on, making our loan services more available to all. 

A Checking Account.

Once the loan is approved we’ll send the money directly to your checking account. 

You need an active and open checking account in order to receive this direct deposit online. 

If you don’t have a checking account you can visit a Check City store in person to receive your funds in cash. 

Check City also offers Signature Loans for customers who don’t have checking accounts if you have 6 or more months at your current job.

Stop by your local Check City for more details about our signature loans.

What is a Cash Advance?

Cash Advance
A cash advance can also be referred to as a payday loan. They are a type of small, short-term, personal loan used to help you get funds from your next paycheck sooner. 

They are commonly used for temporary, short-term emergencies. They help borrowers get the funds from their next paycheck sooner so they can stay on top of important payments and purchases. 

The cash advance loan gets repaid once your next paycheck arrives, making them an easy, hassle-free loan type when you need a little financial help. 

Whether you choose to get an online Cash Advance or visit a Check City store in-person, the process only takes a few minutes.

Other Check City Personal Loans

Cash Advances

An advance on your next paycheck so you can see that money sooner. 

Payday Loans 

A small, short-term loan that gets repaid with your next paycheck. 

Installment Loans 

A long-term loan that can be paid back in easier to manage installments.

Personal Loans 

A long-term loan for emergencies and personal expenses. 

Title Loans 

A long-term loan that uses the title of your car to secure the loan.

Frequently Asked Questions About Cash Advance Loans

Check City Store

How do I qualify for a Cash Advance?

To qualify for a Cash Advance you will need the following items: 

  • A valid photo ID
  • Proof of income (like a paystub)
  • A check from your open and active checking account
  • The ability to repay the loan

When do I have to pay my Cash Advance loan back?

Cash Advances are short-term loans and therefore, are usually set up to be paid back on your next pay date. 
What is the interest rate for a Cash Advance?

Cash advance fees vary from state to state. 

We recommend viewing our Rates and Fees Page for loan details in your specific state.
Can I do a payment plan for a Cash Advance?

Yes, every storefront customer is eligible for one payment plan per year. 

We will split up the loan into four equal payments with no added interest.
What if I can’t pay my Cash Advance loan back on time?

If you can’t make your payment on time, we’ll attempt to contact you to arrange for payment. 

We’ll contact you using one or more authorized methods including phone calls, emails, and text messages.

We may also present any returned payments to your bank in accordance with your loan agreement, applicable laws, and regulatory requirements. 

If we can’t reach you or collect the delinquent balance you owe the debt may be  reported to credit reporting agencies. This action may impact your credit rating. 

Pursuant to governing laws we may also seek legal recourse. Some delinquent accounts may be placed or sold to a third-party collection agency that follows the FDCPA. 

As noted above, late fees and returned item/NSF fees may apply as described in your loan agreement.
How do you determine if a person qualifies for a Cash Advance?

Each application must meet our underwriting criteria. 

Most customers can qualify for a Cash Advance if they meet the following criteria: 

  • They are currently employed and have a source of income
  • They have an open and active checking account
  • They have a working home phone or cell phone

Check City Online

How do I qualify for a Cash Advance?

Qualifying for a Cash Advance is easy! All you need to get started is proof of employment and an open and active checking account.
When do I have to pay the Cash Advance back?

In most cases, your cash advance loan will be due on your next payday which is at least 8 days away.
What is the interest rate for a Cash Advance?

For the specific interest rates charged in your state please refer to our Rates and Fees Page.
Can I do a payment plan for a Cash Advance?

In most states, we follow CFSA guidelines regarding payment plans. However, some states have specific payment plan requirements. Please see your state’s Rates & Fees page for more information. 

Related Services

*Cash advance loans should be used for short-term financial needs only, not as a long-term financial solution. If you are experiencing credit difficulties, we encourage you to seek credit counseling. Although we strive to assist every applicant, not all loan applications will be approved.

†Check City holds the check until your next payday or some other date you specify and then cashes the check to repay the loan.

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