CheckCity.com is a licensed lender based in Orem, Utah, that offers online and storefront 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 storefront, 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 can 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 ten loans. However, this program is only available to Utah customers.

  • Loan Amount
    $100 - $2500
  • APR
    182.5% - 912.5%
  • Credit Score Range
    300 - 650
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Loan Fee
    $20 - $100
  • Direct Deposit
  • Online Application
  • Max Loan Term (days)
  • No Credit Check
  • Funding Time
    Next business day
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0 votes

Check City made a somewhat confusing and stressful situation for me incredible easy, and actual enjoyable! The first time I got a payday loan, I was nervous and concerned. I have had bad experiences at competing businesses. Because of Check City's awesome help (ALL of the ladies at the Maryland/Silverado Ranch location are beyond amazing and sweet!) I have been able to pay my rent on time, buy surprise concert tickets, and last week I was able to throw my 6 year old an AMAZING party. I keep going back ... because it's SO easy, the office is clean and inviting, and the girls are professional, warm, and extremely accommodating. The opportunities that open to me provided by their services are really priceless to me. No more missing fun things because of my less-than-ideal, semi-monthly payroll. I LOVE Check City, and I will never use any other loan service organization. They are the very best! More Less

0 votes

The folks at my branch are super friendly and they love when I bring my son in. The website is fast and easy to use and my loan is usually approved within the hour when I apply online.

0 votes

Easy to use and hassle-free.The application is straight-forward. I will use this service again.

0 votes

Check City helps me out when I was in a bind! My mother, who lives in another state, was hospitalized and I needed to buy a plane ticket on short notice. This company allowed me to buy one 4 days before my payday without any problems. I would definitely recommend the company when in need of cash ASAP!

0 votes

You need to stop and ask yourself 12 times before you enter "is it really worth it"? The interest you end up paying if you cannot get out of the vicious cycle is criminal. Predatory lending. The process inside is also not swift. I am so glad to be free of them. It was like being on probation and reporting in weekly with a fee.

0 votes

I recently started a new job, and it was not as much as I'm used to getting paid. I needed a payday loan but because I haven't been at my job long enough I got denied. So frustrating, if I got paid enough I wouldn't need a payday loan. I have a job, and I'm capable of paying it off right away.

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