Features

Where does Check City do business?

Check City is a direct lender based in Provo, UT. It was founded in 1986 and offers access to payday loans in 19 states across the USA.

What loan fees does Check City charge and what are the equivalent APRs?

Check City offers payday loans with loan fees ranging from $20 to $100. These loans are meant as a short-term source of credit but if you calculated the annualized percentage rate of those fees you get APRs ranging from 182.5% to 912.5%.

How much can you borrow from Check City?

Loan amounts start at $100 and go up to $2,500.  

What is the maximum loan term you can get with Check City?

Check City has payday loans with a maximum term of 62 days.

What do you need to qualify for a loan with Check City?

Applicants with a credit score of at least 300 can apply for a loan via Check City.

Only U.S. citizens and permanent residents can apply for a loan.

Check City will also consider borrowers who are unemployed. Active duty servicemembers and their covered dependents cannot apply for a loan via Check City. The Military Lending Act prohibits lenders from charging servicemembers more than a 36% APR.

What is the estimated funding time for a payday loan via Check City?

Check City will typically provide a credit approval decision in less than an hour and fund the loan within 3 day.

  • Institution Type
    Direct Lender
  • Credit Score Range
    300 - 650
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    Non-Military
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Loan Fee
    $20 - $100
  • Funding Time Range (in days)
    1 - 3
  • No Credit Check
  • Direct Deposit
  • Online Application
  • Loan Amount
    $100 - $2500
  • Loan Term (Days)
    Up to 62
  • APR
    182.5% - 912.5%
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