CheckCity.com is a licensed lender based in Orem, Utah, that offers online and store-front loans. CheckCity.com is a direct lender in all the states it operates except Texas, where it acts as a middleman for local third-party lenders.

How Does It Work?

CheckCity.com offers loans over the phone, online and at their brick-and-mortar locations. If you visit a store front, you could get cash within the same day but online loans can take one or two business days to process.

What Are The Interest Rates?

Interest rates vary by state from 182.50% to 782.14%. In most states there is a $15 fee for every $100 you borrow. In Wisconsin, however, the fee is $30 for every $100, which brings the APR to 782.14% for a 7-day loan.

How Much Money Can I Borrow?

Loan amounts vary from $100 to $2,500. How much you are able to apply for is determined by where you live, your monthly income, whether you are a return customer and your repayment history.

What Is the Application Process Like?

The application process is simple and fast. If you apply from a store front, the entire process could take as little as 15 minutes. If you apply online, you will get a reply within an hour but the cash transfer will take one or two business days. To apply, you will need a valid ID, proof of employment or another source of regular income, and an active bank account.

How Is It Better Than Other Lenders?

As well as payday loans CheckCity.com also provides other services such as check cashing, installment loans, title loans, gold buying tax services, insurance and prepaid debit cards. Although its interest rates are high by normal standards, they are competitive when compared to other payday lenders. CheckCity.com also offers a preferred member program that gives clients who take over five loans a 10% discount and a 15% discount to clients who take over 10 loans. However, this program is only available to Utah customers.

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