What is a Personal Loan?
Personal loans are an important loan type to remember when considering your loan options.
By visiting a Check City Store location you can walk away with your loan in hand that very same day.
At Check City, we are all about taking care of our customers' personal financial needs. With the Check City short-term loan, you can get the funding you need, given directly to you, with the freedom to spend your funds the way you see fit.
Getting a loan online is easy and simple to do. All you need are a few basic application items and you can apply online and in stores. Friendly Check City representatives are always there to help you if you have questions.
Customers can get a same-day personal loan by applying inside a Check City store where our tellers can let you know if you've been approved and get your funds to you that same day.
Get a discount when you opt for an automatic ACH repayment plan. Customers who use automatic ACH payments will have their origination fee waived. ACH payments will also set up your loan payments to be automatic and easier to remember.
Personal finance shouldn't be a hassle. That's why we cut out unnecessary fees and penalties from our loan terms. We want your repayment terms to be as simple and straightforward as possible.
After you’ve made your first successful payment on your loan, you can refinance anytime to access credit that may still be available to you. Customers who have already successfully paid off loans with Check City may qualify for higher loan offers and loan amounts. Contact your local Check City for more details.
Check City loan funds are given directly to the customer. This allows our customers the freedom to choose how they spend their loan amounts. You can choose both how you receive and repay your loan offer. Repayment terms usually coincide with your pay dates, making it easier for you to repay.
Visit the Utah Rates and Fees page to learn more about any credit score requirements, overdraft fees, credit limits on types of loans, and how we handle credit reports.
You can also contact a Check City representative or start an online chat to learn more. Your customer satisfaction is important to us and we pride ourselves on the exceptional customer service experience we provide.
Our goal is to help you get approved for the maximum credit amount possible.
We use a number of underwriting tools to determine credit eligibility and to establish a credit limit. We can let you know what you qualify for in just a few minutes online or in one of our stores.
By spacing out the loan payments over a 6-month period Check City is able to offer more flexible affordable payments.
Each payment that you make goes toward the principal (your initial loan amount) and the interest, so 6 months later your loan is paid in full!
For online customers, if your loan agreement is signed prior to 7:00 PM Mountain Time (MT) you should receive your loan proceeds by the next business day. Any loan agreements that are approved after 7:00 PM will not fund the next day, but the following business day. When your funds deposit will also vary on weekends.
For in-store customers, if your loan agreement is signed and approved then you can walk out with your loan funds immediately.
If approved, refinancing is available for customers who qualify. After your first successful loan payment, you can request to refinance your loan anytime to access credit that is still available to you.
Yes, customers have the option to make early payments. Customers can pay off the loan amount faster by paying early.
If a customer misses a payment or is late making a payment then Check City will work with the borrower to help them get back on track. Our friendly loan agents are eager to help our customers whenever they can.
Check City may attempt to contact you using one or more authorized contact methods to arrange for payment. Authorized contact methods may include phone calls, emails, or text messages.
Check City may charge you a fee pursuant to the terms of your loan agreement for late or failed payments. Please see your loan agreement for terms and conditions.
