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Check City Reviews

Check City is a short-term loans provider licensed and regulated by the state. With a strong presence in physical stores and an online presence, it has positioned itself as a solution to many customers. With a reputation for a basic and simplified application, the lender makes sure you will be done with the application and approval in a short while.

Website: www.checkcity.com

Check City is a short term loan lender based in Utah. They offer both online services as well as storefront services. In all the states of operation, they act as direct lenders with an exception in Texas where they are middlemen. The company has positioned itself as a good option to customers by offering several loan services as well as having convenient store locations. They also claim to have an excellent customer service where you can get help on pressing issues regarding a loan.

Check city is state licensed and you can make an application both online and in their stores. The online application process is simple and you can be through in about 5 minutes. Unlike many lenders with multiple pages of online application form, Check City has only one-page form.

The simple website has an easy application page and you will be asked to fill out your details including:

  • Your full names
  • Date of birth
  • Your social security number
  • Physical home address
  • Valid email address
  • Active phone number
  • Gross monthly income
  • Your pay dates
  • Employers full details
  • Your bank account number
  • Government issued ID details

After submitting the online application, you will receive feedback in a few minutes informing you of the application status. If the loan is approved and you sign the loan agreement, the funds will be sent to your account on the next business day. But this will only happen if the application is approved before 8:00 PM CT from Monday to Friday. Loans applied on weekends will receive funding on the following Monday.

When you are making the application in a store, you will be required to carry your documents for approval. When you are approved you will be asked to draw a postdated check with the principal and all fees for the loan. The check will be used to pay back the borrowed money. Typically, you will walk out of the store with your cash, unlike online applicants who have to wait for a day to receive payment.

Check City offers the in-store customers a special arrangement just in case they have some difficulty in paying the amount back. The payments are divided into up to four payments which can be repaid at specific intervals without incurring additional charges. However, customers are allowed to utilize this service once per year. Notably, this is the only lending company offering an extension for free.

According to their website, this company will try all or one of the communication channels to reach you when you miss a payment. If you can’t come to an agreement, they will take the steps outlined in the loan agreement which may include reporting to the credit bureaus, use of a third party for debt collection and seeking legal action.

To qualify for a loan, you need to meet these simple requirements.

  • You must have a steady source of income
  • You must be 18 years or older
  • You must have a valid checking account

The residents of Utah are allowed to borrow any amount as long as it will not exceed 1/3 of their monthly net deposit. But in Colorado, residents are allowed to borrow up to 25% of their monthly income. However, there may be exceptions to this qualification.


Approved online loans will be funded on the next business day via ACH transfers. For store-front applications, approved loans will be funded in about 15 minutes.

Apart from online and store applications, you can also apply for a loan via the phone. The phone is toll-free and after you have answered all their questions, your application is assessed. If you qualify, you will receive an agreement on fax which you are supposed to sign and fax back. Funds will be available on the next business day.

On the loan due date, the funds will be automatically debited from your account or opt to pay in cash at one of their stores. Alternatively, CheckCity can deposit a check that you will have drawn earlier.

In case you change your mind about an approved loan, you have 24 hours to rescind the loan at zero charges provided you stick with the particulars of the agreement.

The company claims that you will be allowed to plan when to make the payments. However, there is a nonspecific rate that applies to all applicants. The rate and cost of your loan will be clearly indicated in the loan agreement. The APR will be between 182.50%-782.14%.

You can expect to pay some of the following charges, origination fee, late fees and returned fees.

Quick application and processing with funds beingmaybe available in as little as 15 minutes in stores and one day for online applications.

They offer multiple loan services that include payday loans, cash advances, installment loans and short term loans. With these options, you can access higher amounts of money.

People with bad credit can qualify for a loan as long as they can prove their ability to pay back the money. However, the company does not directly state that you will be paying very high financing charges if you have low credit score.

Checkcity.com claims to have an impeccable customer service and they will do all they can to help you solve your issue.

The company has a referral program where they will award you with $30 every time you refer a friend. For Utah clients, you can get a 10% discount when you take more than five loans and 15% if you take more than 10 loans.

Currently, company offers their services in the following states:

Alabama, Alaska, California, Idaho, Hawaii, Illinois, Missouri, Nevada, Kansas, New Mexico, North Dakota, Washington, Utah, Texas, Wyoming, and Wisconsin.

If you prefer a physical process, you can find stores in Colorado, Utah, Virginia, and Nevada.

Company offers a referral program where you get $30 for referring a friend. In Utah, you will get a discount for taking over five loans. In addition, Check City offers discount codes that you can use to sign up on their website for a 10% discount on an online loan.

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