Check City Loans Review

Easy to apply
8.8/10
Approval time
9.2/10
No hidden condition
9.0/10
Renewal rules
8.8/10
Service quality
8.6/10
Customer support
7.2/10
review-contactContact information:
review-sheduleSchedule:
  • 8:00am to 10:00pm
  • Sun
  • Mon
  • Tue
  • Wed
  • Thu
  • Fri
  • Sat
money
girl money money money

Check city is a payday online lender which additionally has various stores at 4 regions within the US. It was launched in 1986 and it has since then increased its services and it currently offers some good services that include gold purchasing, money orders and more.

Details about the Company

Applying

Unlike in other lending companies where requesting for loans entails several steps, Check City application is a single-step process. All details for requesting for the loan are found on a single page. A person can choose to apply online or go to the lender’s office. And whether the application is done online or in an office, a borrower should provide personal details, income details, job details, bank details, identity proof, and others. When applying online, a person will fill in a form then send it to be reviewed.

Approving

Applicants get a feedback within some few minutes after submitting their application. After the applicant gets approved and signs the loan agreement, the money will be transferred to his/her account the following day. If a person’s application gets approved on a weekend, he or she will get sent the money on the coming Monday.

Those applying in person are required to present their personal check. After getting approved and agreeing to requirements, a person can make out a check to the lender for the owed amount, charges and the interest rate. That check gets cashed on the specified repaying date and the money gets paid in full. When repaying the debt, in-store applicants do not need to go back to a lender which saves them time. Those who apply online get placed in automatic repayment and the money is debited out of their accounts on the specified date.

Extension plan

All in-store clients that are not able to repay within the specified time qualify for the extended repayment option. The lender divides all payments into 4 sections without adding any interest. This lender is actually one of the few payday lenders that provided extended repayment option without any additional charges.

A person can request for the extension plan only once per year. The term for paying back varies per state however in many instances; they are seven, fourteen or thirty-day terms. These terms are based on the borrower’s state requirements, so one should find out the charges, terms and APRs for his/her region. Such details can be found on the lender’s site.

Disadvantages of the available loans

  1. APR The APR charges and rates are quite high compared to other lenders. It ranges from 214.71 percent to 1173.21 percent depending on the sum of funds a person borrows, repayment plan and the region.
  2. Extra charges There are some regions which charge fee of between 15 to 30 dollars per 100 dollars borrowed. Besides that, they also charge the verification fee. This implies that the accrued debt can be more than the exact total a person intends to borrow. It is good for borrowers to confirm the APR costs and charges they are agreeing to before signing any agreement.
  3. Delayed payment Besides the specified interest and additional charges on a loan, if a borrower fails to pay or his/her payment gets cancelled because of inadequate funds, he/she will incur more charges. The company will try contacting the borrower first and plan how the payments will be made. Delinquent accounts can be purchased by 3rd party agencies. Delayed repayments and delinquent accounts are again forwarded to credit agencies and this will affect one’s credit score and eligibility when requesting for loan in future.

Conclusion

This lender having operated for a long time is experienced. The client support team is supportive. Besides that, people that wish to get a loan should rest assured that they will get approved within a few minutes and will receive their funds within one day after applying. Sadly this lender only operates in 4 states and its interest rate is really high. This is so discouraging to most customers. But there are other lenders who operate in many states and have low-interest rates that people can consider. So, make sure you check as many options as you can before you choose where to get your loan from.

Frequently asked questions

  1. Where do Check City loans operate? Check City is situated in Provo, UT. It was established in 1986 and it provides payday loans in some few states in America.
  2. What are the charges and rates for the loans? The loan charges range from twenty dollars to one hundred dollars. The loans are referred to as short-term credit source. However, if the annual percentage charges rate is checked, it will be found that the rates range from 182.5 percent to 912.5 percent.
  3. What amount can one borrow from Check City? The amount to borrow ranges from one hundred dollars to two thousand five hundred dollars.
  4. What is the maximum loan term that a borrower can be given? Sixty two days.
  5. What are the requirements for getting the available offers?
    1. The borrower’s credit score must be at least 300.
    2. The borrower must be above eighteen years old or as required by the state where he/she resides.
    3. It is only the United States citizens who are eligible for the loans.
    4. The company does not discriminate people who are not employed.
    5. Service members who are still active and those who depend on them are not eligible for the loan. The Military lending act does not allow lenders to charge them an APR that is above thirty six percent.
  6. Does the lender review credits? Check City does not check the borrowers’ credit with the credit reporting companies. But, they might check the files to see a borrower’s financial history.
  7. What is the average funding duration for the loans? After applying, the application gets approved within sixty minutes and the money can be sent to the borrower’s account within three working days.
list
Borrower requirements
  • Age 18years or older
  • Have regular income
  • US citizen or permanent resident
  • Have a valid bank account
Obtaining methods
  • Bank account
  • Credit or Debit card
97000
issued loans
45000
satisfied customers
89000
testimonials
93%
instant approval
plane
plane
Recommended lenders

Get Fast and Safe Payday Loans Online Here

Obtain money on the same day from trusted lenders online. SpeedyLoan.net is the legal resource providing the required sums to people who need additional cash in no terms. Our payday loans come up with extended repayment terms, bigger lending sums, and lower APR percentage rate.

You’re a lucky one if you’ve been saving some cash amounts and you have something like 500 $ or even more. Don’t hesitate to ask someone to praise you because lots of Americans don’t have any extra cash and they have to do their best to find money and cover different expenses.

If you’re taking interest in what kind of an emergency you may need to look for additional funds, let us explain it. Imagine the situation when you can’t drive a car because it’s broken. And this example isn’t the only one because there are such factors like weather and unpaid taxes. Your house could be damaged during a storm, and penalties are coming in case you don’t cover bills in time. You need money now and there’s nothing to do with it.

Unfortunately, many difficulties appear and demand a financial solution. You may feel disappointed and lost because your payday is far away from you, and you have to provide a wise decision somehow. You have to find cash to cope with the utility bills, buy meals, and improve health. Around 60 % of Americans are just like you and they’re searching an effective way to get rid of all these financial cracks.

What is a Quick Online Payday Loan?

This small money debt is the sum you borrow for a short term and return it back just after you get cash from your employer. You can obtain money almost immediately in case you provided the demanded data and need cash without any delay.

It’s the sort of credit you take when different emergencies happen. There are such examples as medical bills, house maintenance, car repair, etc. Of course, each customer has his own purpose and we don’t ask about how people are planning to spend money. All the operations are confidential here and no one will get the info about you or your aims.

Online loans are provided quickly to people who look for money in a rush. Usually, the approval period doesn’t take more than 1 workday and customers can upgrade their budgets with the obtained sums. This option is rather popular among people who found themselves in the middle of their paydays.

Safe Guaranteed Loans are Obtained Here

Obtain money on the same day from trusted lenders online. SpeedyLoan.net is the legal resource providing the required sums to people who need additional cash in no terms. Our payday loans come up with extended repayment terms, bigger lending sums, and lower APR percentage rate.

You’re a lucky one if you’ve been saving some cash amounts and you have something like 500 $ or even more. Don’t hesitate to ask someone to praise you because lots of Americans don’t have any extra cash and they have to do their best to find money and cover different expenses.

If you’re taking interest in what kind of an emergency you may need to look for additional funds, let us explain it. Imagine the situation when you can’t drive a car because it’s broken. And this example isn’t the only one because there are such factors like weather and unpaid taxes. Your house could be damaged during a storm, and penalties are coming in case you don’t cover bills in time. You need money now and there’s nothing to do with it.

Unfortunately, many difficulties appear and demand a financial solution. You may feel disappointed and lost because your payday is far away from you, and you have to provide a wise decision somehow. You have to find cash to cope with the utility bills, buy meals, and improve health. Around 60 % of Americans are just like you and they’re searching an effective way to get rid of all these financial cracks.

(129 votes, average: 7.2 out of 10)