Features

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.

  • Advance Fee APR
    182.5% - 782.14%
  • Desired Loan Amount
    $100 - $2500
  • No Credit Check
  • No Other Outstanding Loans
  • Direct Deposit
  • Instant Decision
  • Online Application
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Reviews

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0 votes

The folks here are always really nice and understand the options you have.


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

Great service! Friendly fast and experienced people, always in and out quickly especially for money orders. I would highly recommend them. They do a great job.


0 votes

The folks at Check City were helpful and courteous. They were straighforward about the possibility of receiving the loan. I was approved but I would say what I did regardless.


0 votes

First time applying for a loan cause I had some urgent family stuff. So I thought to give it a try with Check City. I got approved, I got up this morning and check my bank account to find the money was waiting for me! I on't know how to thank you guys, you are a true life saver!!!! Thank you, thank you..


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.


0 votes

I have been waiting for a settlement check for well over a year, and had no idea how long these things took to go through. I got in over my head on a couple of ventures anticipating my check months ago. I went online to Check City and went through their simple process and got a loan to hold me over. I am paying about $18/$100 that I borrowed, but it is worth the peace of mind


0 votes

This is my first time with payday loans, so I am not too familiar with what is good or bad. I needed a quick payday loan to catch up on my car payments after I recieved a repo notice. I got the loan application online and only needed proof of employment and a valid ID.


0 votes

I was denied a loan at check city because about five years ago I cosigned for a loan elsewhere and the main long sign or defaulted on their loan. I had totally forgotten about that. Lesson don't cosign for anyone's loan ever!


0 votes

I have been going to Check City for years. Not regularly, but Whenever I need help, they are my go-to loan center. This last loan was for a three day cruise deal that I couldn't pass up, nor could I wait till payday. The application process is fast and easy, and because I have a history, I was apporved just as quickly


0 votes

Check city is neither good nor bad if you borrow any significant amount of money you will end up paying back $15 per hundred that you borrow. I guess it's pretty standard for payday loans, but if you need one try somewhere else. The customer service if you can call service is awful


0 votes

I got denied a loan at Check city because of the neighborhood I live in as far as I understand. I have enough money on a regular basis as I showed them on my check stubs, and didnt even need so much money to get me in a predicament. Still got denied. Maybe if I overpaid for my home, I would qualify, and I would definately need a loan then


0 votes

I am not sure which is more dumb...The fact that I signed up for a Macy's cc over the holidays and maxed it out, or the fact that I got a high interest payday loan to pay it off. I think they were both poor decisions on my part. Decisions I wish not to repeat next season. However, I am happy that I was able to get a payday loan to pay off my cc just long enough to not mess with my credit too much


0 votes

I looked up check city and saw that the Better Business Bureau gave it in a. I don't know much about payday loans but I do know that you'll pay about 15% and interest on a short-term payday loan. They get the job done I guess


0 votes

I must've driven by check city about a million times in my lifetime but never needed them. I came upon hard times recently need a little extra cash to pay days so I took a loan out with them. I'm glad I don't usually need payday loans because they are nightmare and the people that work here are as bad as friendly as the people at the California DMV. Not friendly


0 votes

I have worked in the restaurant business for fifteen plus years, and recently landed the manager spot at the restaurant that I got most of my fifteen year serving experience. I make enough money to pay my billls, but not to go shopping for all new managerial attire. I took out a $600 loan at Check City and now I look like Ive been doing this big boss stuff for years. Thank you Check City!


0 votes

I had an unexpected money issue recently when my car was in an accident. I say my car was in an accident because I was not there to witness what happened. What I do know is that when I walked into WalMart, my car was in one peice and when I returned, the bumper had been so nicely placed on top of my trunk- NICE! The deductable payment was not something I was prepared to spend, so I went into CHeck City and got a small $500 loan for the ... insurance payment. Nice staff and easy process More Less


0 votes

I heard about Check City from a friend of mine that said they had used them in the past and that they were simple and reliable. I needed about $930 for a collections bill I was being harrased about, so I thought I would give them a shot. I did the application online and got the money in a few days. My interest rate seems crazy, but it is better than the collections office calling me all day.


0 votes

Aside from the idiots that work at the call center, the place isnt so bad. My application was short and to the point, and I got the loan I asked for deposited into my account in just a few days. My APR is the average high for payday loans. If the customer service here had any idea how to treat people, there would have been more stars


0 votes

I was denied a loan at Check City because of one late payment on a previous loan through them! It was at the most two days late, and I cannot lend with them any longer. I have taken loans out through this company on more than a few occations and one late payment and it's over?


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