Check City Loan Review – READ THIS BEFORE Applying!

Last Updated: 23. September 2019
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When you find yourself in a financial fix, payday lenders like Check City might come to mind. But before signing up for the services, it would be best to get more acquainted with the platform.

We have carried out a thorough analysis of the platform to help you along. In this review, we will take a look at its highlights and downsides. By the end of it, you should be able to make an informed decision on whether to sign up for the service or not.

Check City is a payday lender operating both online and in physical stores in a number of US states. Though their rates are higher than average, they offer multiple in store services and high loan limits for all types of borrowers.

What is Check City?

Check City is a payday lender operating both online and in physical stores, in multiple US states. The direct lender has been operating since 1986 and has its head office in Provo, Utah. But online operations started in 2004.

They are accredited lenders with a Better Business Bureau rating of A+ and are members of the Community Financial Services Association of America (CFSA). They also belong to the Utah Consumer Lending Association (UCLA).

Pros and Cons of a Check City Loan


  • Loan amounts are considerably high compared to other payday lenders
  • Services available in multiple states
  • You can apply online or in-store
  • You can get funding on the same day
  • Bad creditors can qualify for loans
  • Accredited by multiple organizations in the US, adding to credibility
  • Offer multiple services


  • Loan terms are short, maximum 62 days
  • They are high-cost lenders
  • Available in few states
  • Only offers in-store services in 4 states

How does a Check City loan work?

Check City is a short term funding service provider offering loans ranging from $100 to $2,500. These are usually repayable within a maximum span of 62 days but the exact duration varies by state.

They are an unsecured form of credit and are usually available either on the same day as you make application or within 1 business day. Costs also vary from one state to the next, as different states impose varying statutory requirements.

One of the major benefits of the service is that you can access funding both in-person, at one of their stores and online. When you choose to make your application in-store, they will only take a few minutes to review your application and make a decision. And you get to walk out with the funds.

However, they only have physical stores in four states, and offer online only services in the rest of the states where they have operating licenses. But even when you apply online, the approval (or rejection) may only take 5 minutes. You can even make your application over the phone and receive a contract via fax if approved.

In-store applicants get funding against a post-dated check, which the lender will cash on the due date. But online applicants submit bank details and the lender withdraws the funds directly on the due date.

You may apply for a loan on the platform regardless of your credit, as it also accepts bad creditors and people with no credit at all. But considering that it is an unsecured loan, poor credit ratings attract a higher risk and therefore such applicants pay higher interest rates.

The lender charges higher than average rates for payday loan service provider. In fact, in states that have fee limit caps, they charge the maximum amount that the law allows. For instance, in California, the rate is $17 per $100 borrowed, which is the maximum that the state mandates.

Where the rules are a bit more lax, they at times charge as high as $30 per $100, which is one of the highest market rates.

What loan products does Check City offer?

Check City specializes in providing payday loans, which also commonly go by the name cash advance. These are little dollar loans repayable in a shorter duration than other short term loans. But in addition to these, they also offer a number of other loan products including:

  • Installment loans
  • Title loans

What other store services does Check City offer?

The lender offers multiple other store services such as:

  • Check cashing
  • Money orders
  • Prepaid debit cards
  • Prepaid wireless
  • Gold buying
  • Money transfer
  • Insurance
  • Tax services
  • Bill pay services

Check City Account Creation and Borrowing Process

1. To make your application online, visit the official site (https://www.checkcity.com/) and click “Apply Now.”

2. You will get access to an online form where you need to fill in your name, email address, data of birth and zip code.

3. Next, fill in the other required details on the “New Customer Loan Application” form and then submit.

Application processing is quite fast and you may receive a response in a matter of minutes.

It’s essential to be cautious during the sign up process for these products. This is because you can end up owing two to three times what you borrow on the longer-term loans, and many have difficulty repaying the short-term loans without reborrowing.

Eligibility Criteria for Check City Loan

Here are some of the requirements you would need to meet so as to qualify for a Check City loan:

  • Be at least 18 years old, or state minimum
  • Be a permanent resident or citizen of the US
  • Reside in a state where the lender offers services
  • Have an open checking account
  • Have a regular source of income

Information Borrowers Need to Provide to Get Check City Loan

During the application process, you will need to provide the following information:

  • Full name
  • Date of birth
  • Social security number
  • Residential address
  • Email address
  • Phone number
  • Employment information
  • Income details
  • Bank account details

What states are accepted for Check City loans?

Check City offers services in the following states:

  • Alabama
  • Alaska
  • California
  • Colorado
  • Hawaii
  • Idaho
  • Utah
  • Virginia
  • Kansas
  • Missouri
  • Nevada
  • North Dakota
  • Texas
  • Wisconsin
  • Wyoming
  • Washington

Note that the lender only has stores in 4 states. These are:

  • Colorado
  • Nevada
  • Utah
  • Virginia

What are Check City loan borrowing costs?

Payday loans are known to be a costly form of credit and loans from Check City are no exception. The actual fees and interest rates that you will need to pay for your loan will depend on the state of residence.

But here are some estimates of the range of costs:

  • Fees – ranging from $20 to $100
  • APR – ranging from 182.5% to 912.5%

Check City Customer Support

Check City has a great support team, based on the overwhelmingly positive reviews from existing customers on various online platforms.

Is it safe to borrow from Check City?

Yes. The lender is licensed in every state where they operate. They are also accredited by the BBB, with an A+ rating and more than 90% positive reviews. Their online platform makes use of advanced security protocols to protect user data.

Check City Review Verdict

Check City is a reliable lender with a good reputation and a wide range of services. What makes them a good choice is the fact that you can apply for a loan in one of their stores, online or even on the phone.

But they are limited in that services are only available in a few states. And their rates are higher than average.

Overall though, if you have no other way out of a financial fix, they could be a good choice.


Will Check City run a credit check before approving my loan?

No. Credit City does not perform credit checks with the three major bureaus. They may however check your creditworthiness on national consumer loan underwriting databases.

How much can I borrow from the lender?

The loan limit will depend on your individual circumstances. Some of the factors that will determine the amount include income, other loans and creditworthiness. State loan limits will also apply.

What happens if I fail to make a payment?

The lender will attempt to contact you to get payment and may report you to credit bureaus and/or seek legal recourse. Late payment fees and other penalties may also apply.

Can I get an additional loan?

Yes. After making timely repayments on your first loan, qualifying for additional loans is easy. Go to the members section and make a request.

Can I make early repayment?

Yes. There are no penalties for making your repayment ahead of time.

All trading carries risk. Views expressed are those of the writers only. Past performance is no guarantee of future results. The opinions expressed in this Site do not constitute investment advice and independent financial advice should be sought where appropriate. This website is free for you to use but we may receive commission from the companies we feature on this site.

Nica is a BA Political Science degree holder who fell in love with writing after college. She specializes in financial technology and cryptocurrency. At her young age, she was already able to work with founders who graduated from Harvard, tech startups funded by Y-Combinator, CEOs of multi-million dollar blockchain companies, investment companies in London and many more.

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