What is a Cash Advance?
What is a cash advance and how do they work? It might be the financial solution you need for a short-term problem.
With a short-term loan from a reputable cash advance lender, you can avoid paying late, overdraft, over-the-limit, and reconnection fees. Avoiding these fees might even help protect your credit score from the negative impact these fees can have.
A same-day cash advance loan also gives you access to fast cash, so you can take advantage of great sales or limited-time offers that you would otherwise miss if you waited until your next paycheck.
One of the primary aspects of the Check City Difference is impeccable customer service. We believe in treating our customers with respect and care. We want to foster healthy relationships with our communities and do whatever we can to help you and your family.
Here at Check City, we want to have a working relationship with the states we operate in by adhering to all state laws. That is why we are a state-licensed and registered lender and not an offshores lender or tribal model lender.
Having a state license lets our customers know we are a responsible and safe lender. So you can have peace of mind knowing that we are doing everything right by your state. For more information about licensing, rates, and fees specific to your state, check out our Rates and Fees Page.
Check City has been in business since 1986. In this time, we have helped many people meet their financial needs. Check City also has a Shopper Approved rating of 4.8 out of 5. This rating comes from a pool of more than 50,000 ratings with more than 42,000 5-star reviews!
The best online loans come from direct online lenders. Check City is a direct lender, so when you borrow from Check City, you deal directly with Check City representatives. Using direct lenders instead of indirect lenders can help the online process be as simple as possible.
When taking out a loan, borrowers want to know they are safe and that their information is secure. Check City sets security measures in place to keep our website and your information safe.
Cash Advances 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.
Yes, in states where online cash advances are available, you can apply through Check City's secure online application. If approved, you'll review and sign your loan agreement electronically before your funds are disbursed. Availability, eligibility, and funding times vary by state and are subject to approval.
If approved, you may receive your funds as soon as the same business day, depending on your state, application timing, and funding method. In some cases, funding may take longer. Check City will provide details about your funding options during the application process.
Cash advance loan amounts vary by state and your eligibility. The amount you may qualify for depends on factors such as your income and applicable state regulations. During the application process, you'll be informed of the loan amount available to you before you decide whether to accept the loan.
You may still qualify for a cash advance even if your credit isn't perfect. Eligibility is based on several factors and varies by state. Completing an application is the best way to determine whether you qualify.
Your repayment terms will be outlined in your loan agreement before you accept the loan. Depending on your state and loan terms, repayment may be made through a scheduled electronic payment or another approved payment method. If you have questions about your repayment options, our team is happy to help.
The cost of a cash advance depends on your loan amount, state regulations, and the terms of your loan agreement. Before you accept a loan, you'll receive a clear disclosure of all applicable fees and repayment terms, so you know exactly what to expect.
