Check City Review

Check City
State-licensed direct lender

If you’re looking for the best payday loan company, discover why Check City is rated 5 out of 5 stars in this Check City review…

Check City Review

In a sea of thousands of online cash advance sites, it’s rare to find reputable, honest state-licensed lenders.  It’s even rarer to find state-licensed lender with an A+ Better Business Bureau rating and loan stores in several states. Except Check City…

They’ve been in business since 1989 and has over 70 locations in Colorado, Maryland, Nevada, Utah and Virgina.  Plus, residents of most other U.S. states can also apply online in minutes to get fast, overnight payday loans.

Why is Check City the best payday loan site?

In five years of publishing these payday loan reviews, I’ve seen a lot of cash advance sites.  By far, Check City stands head-and-shoulders above them all…

When you visit their website, the first thing you’ll notice is how honest and straight-forward they are.  With one click, you can find out about their cash advances, their loan fees and what to expect when you apply.

Because they’re a state-licensed direct lender (it’s important to look for this!), their loan rates and loan terms vary by state.  For example, in Illinois you’ll pay just $15.50 per $100 for a 30-day payday loan.  And, in Colorado, you can get a 186-day installment loan, paying just $132.30/month to borrow $500.  To find out the rates and terms for your state, simply click on the “Online Rates and Fees” link at the bottom of their site, then click on your state.

In addition, their website and secure online loan application are certified by McAfee and digicert (two leading security companies), which means you can feel confident your personal information is kept safe and secure.

Where Check City really stands out is their first-class customer service. Unlike many payday loan sites which force you to use their contact form, and then they get back to you days later, you get instant customer service with Check City.  You can chat online with a live agent or call their toll-free number.

Plus, they reward your repeat business with deep discounts on your loans – up to 15% off!

Not only does Check City have an A+ rating with the Better Business Bureau, but they’re also in good standing with the Community Financial Services Association, the Financial Service Centers of America and the Utah Consumer Lending Association.  Your business also helps support great causes like the Muscular Dystrophy Association of Las Vegas and United Cerebral Palsy of Utah, through Check City’s community involvement.

You can apply online in just 3 minutes – and reapply any time, – and your overnight payday loans will be direct deposited into your bank account.  For loans approved by 7PM MST, funds will be available in your bank account the very next business day.

Click here to apply for an overnight payday loan from Check City… >>

Loan Terms

Loan Requirements

• Have a job or earn regular income
• Are at least 18-years-old and a U.S. citizen
• Have a checking or savings account

What to Expect When You Apply

It’s easy to get a loan from Check City.  Here’s how…

1. Visit Check City’s official site
2. Select your state, then enter your first name, last name, email address and gross income (monthly) in the boxes to the right
3. Complete their simple, 3-minute loan application (Their application page is safe and secure, because their site is certified by McAfee and digicert, two leading Internet security companies)
4. Get an instant loan decision, and find out how much you’re approved for

When you complete your loan request before 7PM Mountain time Monday-Saturday, you should see funds in your bank account the next business day.

Loan Restrictions

Check City follows all applicable state laws.

They offer online cash advances to residents of: Alabama, Alaska, California, Colorado, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming.

Or, you can apply in-person for fast cash at any of their 70 locations in Colorado, Maryland, Nevada, Utah or Virginia.

If you live in another state, Check City will match you up with one of their pre-screened lending partners.  Currently they cannot accommodate loan requests from residents of Arizona, Arkansas, Georgia, Maryland, Massachusetts, New York, Pennsylvania or West Virginia.  If you live in one of those states, check out our best payday loans reviews page for other options.

Company Profile:

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