CheckCity Review

Check City is an American company that operates as a diversified financial services brand. The company’s services include cash advances, payday loan, check cashing, installment loans, installment title loans, title loans, free money orders, prepaid debit cards, gold buying, money transfers, and insurance.

However, despite its quite noticeable widespread over the country still, there are people wondering about some aspects concerning Check City’s legitimacy as well as other pressing questions. Here is our in-depth guide aimed at the company’s potential customers for them to know all the features of the Check City payday loans and other services.

APRThe APR rates range from 214.71% to 1173.21% depending on the amount borrowed, the term of the loan, and the state you reside in.
Min/Max Loan Amount$100 – $2,500
Max loan termUp to 62 days
Number of states19

Brand Story

Check City is an online payday loan company that also has several storefront locations in four states:

  • Utah;
  • Nevada;
  • Virginia;
  • Colorado.

They were founded in 1986 and have expanded their services to include gold buying, prepaid debit cards, money orders, check cashing, and more.

Check City excels in experience with over 30 years in business and exceptional customer service. This is refreshing to know that you will be taken care of with Check City.

Is Check City legit? is licensed in each state where it operates and is the direct lender of your loan (with the exception of Texas where the company is licensed as a Credit Service Organization. Check City service your loan through an affiliated short-term loan provider).

That means if Check City approves your loan that it will be issued and serviced by them. Check City provides their customers the peace of mind that they are there to help from the completion of loan application to the completion of the cash advance loan.

Thus, in this way, they ensure even the most critical thinking clients that their services are legit, and there are no concerns to worry.

How does Check City work?


  • Cash advances
  • Payday loans
  • Check cashing
  • Installment loans
  • Personal loans
  • Business check cashing
  • Installment title loans
  • Title loans
  • Money orders
  • Prepaid debit cards
  • Gold buying
  • Money transfers
  • Tax services

CheckCity loan requirements

Credit Score Range: 300 – 650

Immigration Status Considered   

  • U.S. Citizen
  • U.S. Permanent Resident

Employment Statuses Considered   

  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed

Requirements for various kinds of services may differ. For instance, according to Check City reviews, payday loans does not have or does not disclose a minimum annual income eligibility requirement. Check City payday loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

So it is better for you to check this data before turning to the service. Always remember that these requirements change almost everyday as well as vary by states.

It is also worth noting that the company has a one-step application process, unlike other companies, such as Cash Central or Check Into Cash, which has several steps and pages the user must go through.

All the information for applying with Check City is located on one page. Whether you are applying online or in-store, you will need: 

  • your personal information, 
  • employment and income information, 
  • your bank account number, 
  • a form of identification, 
  • a reference. 

If you are applying online, you can fill out the application and submit it for review.


Talking about the most popular option – payday loans, the company offers loan 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%.

Some states also charge a loan fee ranging from $15.00-30.00 per $100.00 borrowed, as well as verification fees. This means that your accrued debt could be a little higher than the principal sum you want to borrow – be sure to clarify what APR rates and fees you’re committing to before taking out a payday loan.

Pros and Cons

It offers installment loans and check cashing services.
Payday options.
Loans available for those with poor credit.
Money available in one business day.
Responsible lender. Accredited by the Better Business Bureau with an A+ rating, and member of the Community Financial Services Association of America and the Utah Consumer Lending Association, which guarantees you’ll be treated fairly when you apply for a loan.
Additional FeesLate PaymentsAPR varies starting from 141.44%

Final word

Undoubtedly dealing with such service worth it. Applying online has some advantages, especially if you live somewhere without any accessible stores. You can also avoid traffic or lines.

An online payday loan from Check City doesn’t differ from an in-store one in cost. The main difference is that instead of writing a postdated check, the amount you owe will be withdrawn from your bank when the payment is due.

Your choice here should be prescribed by checking the current fees and locations where to take a loan is available.

To sum up, despite some obvious negatives, that doesn’t influence your cooperation with Check City, we can recommend this organization.