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Office Address
1221 N 500 W, Provo, UT 84604
Phone number
(800) 404-0254
Pros
Cons
Check City is a loan company headquartered in Utah. Since 1986, they have expanded their services significantly and now offer different types of loans, check cashing, money orders, and more.
Unlike many payday loan companies, Check City operates both online and offline through in-store locations spread out in different US states.
The company is accredited with the BBB (Better Business Bureau) and has an A+ rating. They are also a member of the Utah Consumer Lending Association (UCLA) and the CFSA (Community Financial Services Association of America).
The company offers short term loans (payday loans) to borrowers. Such loans can be taken for a variety of purposes, ranging from car repairs to medical bills. The loan amounts range between $100 and $2,500. Loan terms typically do not exceed 62 days. However, the exact lending period is determined by the loan amount you need and the state you are living in.
Today, they offer both secured and unsecured loans. You can apply for fast cash and get it on the same day (if approved). The loan cost also varies by state.
In addition to payday loans, the company also offers in-store services like money orders, installment loans, cash checking, and others.
The services are available in 14 states only: Alaska, Hawaii, Colorado, Virginia, Idaho, Missouri, Utah, Alabama, California, Kansas, Wisconsin, Nevada, North Dakota, Washington, Texas, and Wyoming.
However, the company only has in-store locations in the following states: Colorado, Nevada, Virginia, and Utah.
Payday loans generally are expensive due to their features: speed of application and high approval rate. However, the actual APR and the fees you will pay will depend on the loan amount you need and the state you are living in.
Expected estimates are below:
Besides, if you refinance a loan or request a loan extension, you will have to pay a processing fee.
You can apply for a Check City loan in person and online. Regardless of the option you opt for, the application process is very simple and speedy.
The online application process is the simplest option. You will need to follow some steps:
Below are some requirements you need to meet:
Yes. You will not be charged for early repayment of your loan. The company even recommends that you do as it helps you improve your credit history, increase your loan limit on the next loans, and build loyalty as well.
Yes. If you have a low credit score, you can still qualify for a loan. However, the chances of getting your application approved are worse when your credit score is poor. Besides, borrowers with no or bad credit scores are likely to be offered higher rates.
Check City offers multiple repayment options, and you can choose the one you like most. You can pay in cash, deposit a check with the lender as collateral, or provide your bank details and the lender will withdraw the funds automatically from your checking account on the due date.
You can also make a partial payment on your loan. However, the payments cannot be lower than $5 on the principal loan amount. You will not be additional charged for doing this.
If you cannot make payments on time for some reason (loss of a job, death of a spouse, illness, etc.), you can request a loan extension. Contact the lender and the staff will help you to make up an extended repayment plan. Borrowers can typically split the payments into 4 installments without any penalties. However, you can only request a loan extension once a year.
Obviously, the company does not have a mobile app, which may be a con if you prefer to use your smartphone to apply for loans. When applying on the go, you may experience some inconvenience when applying for fast cash with this lender.
Check City is an experienced payday lender. It has a good reputation and offers multiple services. It’s also nice that you can apply through the phone, online or in person. The company’s other advantages are fast loan processing and funding. The rates are terms of the company are transparent. They also have a live chat and a phone line to provide top quality customer support. The company is accredited by the BBB, CFSA, and UCLA. However, it only operates in 14 states and tends to charge higher fees in comparison to other loan companies. To sum up, despite some obvious cons, we can recommend Check City.
Excellent company! Very honest, straightforward, transparent. If you need money fast, you can get it, just be sure that you will be able to repay your loan on the due date.
Check City is okay if you need a small loan and for a very short period. Loans are quite expensive, but that’s the way it goes with payday loans. This service is nice, compared to some other online lenders.
I applied for payday loans twice with this lender and I was impressed with their job. Very professional, useful and speedy. Got $2000 in no time.
Their payday loans are affordable. If you need money urgently this is the company you should turn to. Their loan amounts range between $100 and $2500. Love their amazing customer service and a wide range of services!
When you apply for a loan with this lender, everything seems so easy. But when it actually comes to paying the loan off, things get most difficult. They are not scammers, thieves or anything, it’s just that you actually have to pay A LOT.
We are accessible 24/7 for your convenience. If you have any questions about our service, please free to contact us.