Signature Loans at Check City

Check City Signature Loans offer an unsecured personal loan option with no checking account requirements, no loan collateral, and absolutely no prepayment penalties.
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Signature loans are an unsecured personal loan that doesn't require an active checking account or loan collateral. This unique loan feature allows more customers to get approved and get the funds they need.
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How Signature Loans Work in Stores

Step 1: Fill out an application
Step 2: Provide the necessary Signature Loan requirements.
Step 3: If approved, receive your loan funds in cash at a Check City store.

Signature Loan Requirements

  • Basic Contact Information
  • Government ID
  • Proof of Income (applicants need to be employed for a minimum of 6 months)
  • Proof of Address
  • 2 References
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The Benefits of a Check City Signature Loan

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Check City Signature Loans include flexible features to help more customers get the money they need when they need it. This loan type doesn't require an active bank account, credit union membership, or loan collateral. Instead of using a paycheck or vehicle title to secure the loan, signature loans use your signature and verified identity.

Multipurpose Loan

Like personal loans, this loan type does not require a specific purpose or reason for taking out the loan. The loan terms will not ask for any amount of control over what the loan money is being spent on. The funds will also go directly into the hands of the customer giving you freedom in how to spend the money you need.

Flexible Collateral

This line of credit type is a form of unsecured loan, meaning it doesn’t require collateral. Instead, your signature and some key verifications act as the collateral. If you don't have the assets or collateral to back up a loan, the Check City Signature Loan might be right for you.  

No Checking Account Necessary

Customers don't need a checking account to apply. If you don't have a bank account, checking account, or membership with a credit union, you can still apply for the short-term loans you need at Check City.

No Prepayment Penalty

There are no prepayment penalties for this loan. This means you can pay back the loan as quickly as you want with no extra fees for paying early. Restricting fees keep customers from making their own financial plans with their funds. Enjoy more freedom in how you spend with zero prepayment penalties.  

Frequently Asked Questions

What is a signature loan?

A signature loan is a kind of payday loan. It only requires your signature and does not require a bank account, a checking account, or a specific purpose for the loan. 

A signature loan is usually paid in full after an agreed-upon payment term. They also usually have fixed interest rates, meaning your rate won't change during the repayment term.

How do signature loans work?

Check City Signature Loans offer a simple, stress-free process. All you have to do is visit a local Check City store with the required items and one of our friendly Check City Representatives will help guide you through the process.

What are the signature loan rates and fees? 

Check City rates and fees depend on your state. For more information about the rates, fees, and terms visit the Rates and Fees Page for your specific state.

How do I qualify for a signature loan?

You can qualify for a signature loan by using your signature and the following items to help verify your identity. 

  • Verifiable phone number 
  • Verifiable employment (need to prove employment for a minimum of 6 months)
  • Proof of address 
  • 2 verifiable references 
  • Verifiable email address
  • State or Federal ID

Can I refinance?

Refinancing is available for customers who qualify. After your first successful loan payment, you can refinance your loan anytime to access credit that is still available to you.

Can I make early payments?

Yes, customers have the option to make early payments. Customers can pay off the loan amount faster by paying early.

Can I make larger payments?

Yes, customers have the option to make larger payments in order to pay the loan off quicker. For payments that are larger than the scheduled amount due, the extra payment will be applied toward the principal loan amount.

Can I make partial payments?

Yes, customers have the option to make partial payments. Partial payments are first applied to the finance charge and then the principal loan amount. 

The due date will not be extended unless the entire finance charge and the entire principal amount have been paid. A partial payment can be accepted whether the customer is on time or late.

What happens if my payment is late or I fail to make a payment?

If you do not make a loan payment by your due date, we will 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. 

In addition, we may present any returned payments to your bank in accordance with your loan agreement, applicable laws, and regulatory requirements. If we are unable to reach you or if we cannot collect a delinquent balance you owe, a notice may be reported to credit bureaus reflecting your late payment or nonpayment. 

Such action may impact your credit rating. Pursuant to governing law, 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.