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.
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%.
Loan amounts start at $100 and go up to $2,500.
Check City has payday loans with a maximum term of 62 days.
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.
Check City will typically provide a credit approval decision in less than an hour and fund the loan within 3 day.