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Is Check City Payday Loans the right fit for you?
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Cash Advances
Payday Loans
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Last Updated: 04/18/2025

Check City Payday Loans

from Check City

Last Updated: 04/18/2025
Check City Payday Loans logo
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Strongly recommended31 total votes
23 users recommend
5 users are unsure
3 users don't recommend
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Highlights

Community Rating

Strongly recommended

Key Takeaway 3

N/A

Amount Range

$100 - $2,500

Fee

$20 - $100

Minimum Monthly Income

$330

Number of Reviews

31
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Check City Payday Loans Review

Check City Payday Loans is offered by Check City, a direct lender founded in 1986 and based in Provo, UT. Check City Payday Loans are available in 19 states.

Check City Payday Loans FAQ

What rates and fees does Check City Payday Loans charge?

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

How much cash can you access from Check City Payday Loans?

Advances start at $100 and go up to $2,500 depending on how much you qualify for.

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

Check City offers avances with a maximum term of 62 days.

What do you need to qualify for Check City Payday Loans?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.
Check City Payday Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Check City Payday Loans.

Does Check City Payday Loans run credit checks?

No, Check City Payday Loans will not run your credit with the three national credit reporting agencies (Equifax, Experian, and TransUnion).

What is the estimated funding time for a cash advance via Check City Payday Loans?

Check City Payday Loans will typically approve (or deny) applications within hour and fund the cash advance as soon as 1 business days of approval.

Is Check City a legit company?

Check City was founded in 1986, it is a well-established company that has been in business for 40 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

2474 N University Ave
Provo, UT 89431
(800) 404-0254
Visit Site
Email Support

Other Services by Check City

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Availability

Available in 19 states.

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

SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +65, or 4.3 on a 5-point rating scale.

+65

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Reviewer Sentiment Over Time

Net Recommendation Score-100-500+50+100Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026Q3 2026

Check City Payday Loans Community Reviews

Would you recommend Check City Payday Loans to your friends?

RP

Rhonda P.

Apr 14, 2025

Would Recommend

It's been a very long night. I was looking for help in all the wrong places.
SD

Sheila D.

Aug 21, 2023

Would Recommend

Had loans through Check City in Las Vegas, NV several times. Would recommend to anyone.
LW

Lamont W.

Jun 12, 2023

Would Recommend

Exclusive Good company and app no hassle one of my favorites
AU

Alicia U.

May 24, 2022

Would Recommend

They do the best to get u aproved and walk you threw if you should need help
AC

Adriann C.

Oct 14, 2020

Would Recommend

Check City’s payday loans are affordable as for their interest rates. I know if you need money in a pinch this is the company you want to go to. Their loan amounts are as low as $100 and as high as $2500. So whether you need a small pick me up in between paydays or have a pricy emergency they have you covered. I am thankful to have found a ...Show More
OO

Opeyemi O.

Oct 8, 2020

Would Recommend

If you need a little amount of loan, Check City Payday Loans is a place to turn to. The processing is fast; I got my loan on time. Though the agreement's rates and terms are cool, the interests on each loan vary depending on your state, so please check out for this before getting a loan. They are not well distributed in the US, but I can find them in ...Show More
Esther O. avatar image

Esther O.

Sep 23, 2020

Would Recommend

Check City's interest rates are great but most importantly, they have a very supportive customer care team. I applied and I spoke with Tim all through my application process. He was nice and you could see that he really cared. With competitive interest rates and the fact that they let customers pay once per month puts them at the top of my list. If you borrow from them and you ...Show More
SP

Shanna P.

Oct 8, 2019

Would Recommend

Very friendly and helpful made applying for a payday loan very easy.
U

Anonymous

Feb 21, 2019

Would Recommend

If you know how to do math and length to compare Check City rates with another landers rates you will see the difference. Check City is much cheaper and quick to pay back then the other landers, just do the math. I love Check City because when I need they are there for me and for my family ready to help me out. They are so professional, friendly and they ...Show More
Bobby K. avatar image

Bobby K.

Nov 28, 2018

May or may not recommend

Extremely high interest on a very small amount of loan monies
Jared G. avatar image

Jared G.

Oct 1, 2018

Would not Recommend

I've been a customer for yrs and spent thousands of dollars with check city. But when i asked for a payday loan on my last loan. So i was very upset when i paid back most of the loan yet the payment was almost as much as what was left on the loan, i called and asked for help.. all i got was a bunch of BS and they really ...Show More
Selene Y. avatar image

Selene Y.

Sep 20, 2018

Would Recommend

Checkcity has a quick and easy application, and when times are tough, they sometimes allow you to extend your payday loan which was super helpful to me! Thank you checkcity
Marissa P. avatar image

Marissa P.

Sep 19, 2018

Would Recommend

I needed some quick cash and check City was fast and reliable. I absolutely love that the payments are once a month. The text reminders are great about your payments. I will definitely recommends to anyone in need who needs a no hassle payday loan.
Lisa D. avatar image

Lisa D.

Sep 19, 2018

Would Recommend

Check city has made it the easiest way to borrow and payback money. The fee's are very reasonable. thank you for making it a flawless transaction check city!!
LD

Lucy D.

Jun 27, 2018

Would Recommend

Check City has always been there when I needed them. The payments are low and fit my monthly budget.
MF

Michelle F.

Jun 22, 2018

Would Recommend

Yes, I would recommend! Every location I've been too has had great customer service and they are quick at helping you. Very personable and kind.
U

Anonymous

Mar 12, 2018

Would Recommend

they have always been very helpful and easy process whenever I needed to take out a loan and have even provided me quotes on how much I would pay if I decided to pay in a short amount of time. Ive been able to be in and out the door in less then 10 minutes.
Dustin L. avatar image

Dustin L.

Mar 10, 2018

Would Recommend

Great customer service!! Very fast and friendly, even with low credit scores you can still qualify!! Loan funded in your account by next business morning! Very reliable and always there when needed!!
ER

Erika R.

Mar 10, 2018

Would Recommend

I’ve been using Check city for almost all my needs for my small business. I’m always greeted with a smile and their customer service is above and beyond. Fantastic company.
Sean S. avatar image

Sean S.

Dec 11, 2017

Would Recommend

Check City helped me out tremendously in a time of need. I got hit with some unexpected, fairly large bills between paychecks, and Check City got me money fast so I could pay then and stop worrying.

Showing 20 of 31 reviews

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