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Check City Review

check city logo
4.2 rating

Foundation Year


Office Address
1221 N 500 W, Provo, UT 84604

Phone number
(800) 404-0254


  • Direct lender
  • Experienced lender, good reputation
  • Fast approval
  • Accredited in the US
  • Live chat
  • Extended payment plans
  • A choice of method of application
  • Offers bad credit loans
  • Offer multiple services


  • Limited availability
  • Fees are higher than average


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).

What loans does Check City offer?

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.

What states does Check City service?

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.

What terms and rates does this company offer?

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.

How to apply for a loan?

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:

  1. Start an online application by clicking “an Apply Now” button on the Check City’s official website;
  2. Complete an online application form where you will fill in your details, including your first and last name, date of birth, email address, phone number, Social Security number, home address;
  3. Fill in your finance information, including your income and checking account number, and then submit your application (the lender makes a decision very quickly, and you might get approved in 5-10 minutes;
  4. Once approved, you will be asked to sign a loan contract after which the funds are transferred into your account within 24 hours (usually on the same day).

How do I qualify for a Check City loan?

Below are some requirements you need to meet:

  1. Live in a state where the lender operates;
  2. Be at least 18 years old (19 in some states);
  3. Be a US citizen or legal resident;
  4. Have regular income;
  5. Have a valid bank account in your name.

Can I pay a loan back earlier?

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.

Can I take a loan if my credit history is bad?

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.

How to pay a loan back?

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.

Does Check City have a mobile app?

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.


5.0 rating

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.

Lila Taylor
4.0 rating

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.

Santos Burt
5.0 rating

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.

Benjamin Guy
5.0 rating

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!

Charles Rivera
3.0 rating

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.

Sue Dumas

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