Lender
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4.0
(20 Ratings)

Check City Review

Advertiser Disclosure

About Lender

Check City, operated by CCI Financial, Inc., is a trusted financial services company with over 35 years of history. Known for being reliable and customer focused, they offer fast and easy financial solutions for your immediate needs. With an easy application and great customer service, Check City has over 57,000 5-star reviews. They also engage with the community through various outreach programs.

Check City offers a variety of loan options to fit your financial situation. These include payday loans for quick, short term funding due on your next payday; installment loans for larger amounts with longer repayment terms; personal loans for unsecured borrowing; and title loans where you can use your vehicle as collateral. They operate in multiple states including Alabama, Alaska, California, Colorado, Idaho, Kansas, Missouri, Nevada, Ohio, Utah, Wisconsin and Wyoming and practice responsible lending in accordance with state laws.

check city review

Key Features

    • Multiple Financial Services. Check City offers payday loans, installment loans, personal loans and title loans.

    • Easy and Fast Application. They comoany makes the application process easy and fast.

    • Community Focused. With over 35 years of financial history Check City is a community focused financial service provider.

    • Great Customer Service. Check City strives to be as friendly and helpful as possible with the customer service.

    • Fast Solutions. They aim to provide fast and simple solutions to get you the financial help you need as soon as possible.

    • Compliance and Responsible Lending. The lender is a state licensed lender and follow state and federal laws to ensure responsible lending.

    • Educational Resources. Through the Cash Academy and blogs they offer educational resources on topics like loans 101, personal finance, taxes and more.

Pros and Cons

Pros

  • Fast Cash. The company offers fast cash through various financial services which can be helpful if you need money now.

  • Multiple Services. Check City offers payday loans, title loans, installment loans and check cashing so you can choose the service that fits your needs.

  • Flexible Payments. The lender offers flexible payment options for the loans including multiple payment methods and payment plans to help you manage your finances and make payments that fit your budget.

  • Online. Borrowers are offered online services including online loan applications and online bill pay if you prefer to do it online.

Cons

  • High Interest Rates. Payday loans, title loans and other short term loans are expensive with high interest rates and fees that add up fast.

  • Debt Cycle. Short term loans can be helpful if you need cash fast but can also lead to a debt cycle if not used responsibly.

  • Not Available Everywhere. While Check City has over 80 locations in multiple states it may not be available in all areas.

  • Loan Limits. The maximum loan amount you can borrow from Check City may be limited based on your income and other factors.

Reliability

    • Long History. Check City has been around since 1986 so they have a long history of being in the financial services industry.

    • Regulated. They are licensed and regulated by state and federal agencies so they follow the laws and operate within the financial industry framework.

    • Data Security. They use industry standard security protocols to protect customer data and fraud prevention measures to protect personal and financial information.

    • Transparent Terms. While Check City is reliable they advise you to read the loan terms, fees and interest rates before making a financial decision so you can be informed and responsible with your borrowing.

    • BBB Accredited. They are accredited by BBB and have A rating.

How to Apply for a Check City Loan?

Apply for a Loan

  1. Visit the website. Start by going to Check City's official website. On the homepage, navigate to the "Loans" section where you can see the different types of loans offered (e.g., payday loans, installment loans, personal loans, title loans). Select the loan type that best suits your needs.

  2. Select Your State. Since loan offerings and requirements may vary by state, you will need to select your state of residence from the dropdown menu or map to ensure you're getting the correct information and applicable rates.

  3. Click on 'Apply Now'. After choosing your loan type and state, click on the 'Apply Now' button to start the application process.

  4. Fill Out the Application Form. You will be directed to an application form where you need to provide personal information, such as your name, address, email, phone number, employment details, and income information. For online applications, you might also need to provide your Social Security Number and bank account details.

  5. Agree to Terms and Privacy Policy. Read and agree to Check City's Terms of Use and Privacy Policy. You may also need to consent to receive electronic documents and notices.

  6. Submit Your Application. After filling out all required fields and reviewing your information for accuracy, submit your application for review.

  7. Wait for Approval. Check City will review your application, which may include a credit check and verification of your information. This process can vary in time but is typically quick.

  8. Sign Your Loan Agreement. If approved, you will receive a loan agreement that outlines the terms of your loan. Carefully review this document, and if you agree to the terms, sign the agreement electronically (for online applications) or in-store, depending on how you applied.

  9. Receive Your Funds. Once your loan agreement is signed and returned, Check City will process the disbursement of your funds. For payday loans and other short-term loans, funds are typically deposited into your bank account by the next business day.

Conditions and Requirements

Conditions

  • Loan Terms. Check City offers loans up to 6 months.

  • APR. APR can go up to 782.14%.

  • Loan Amounts. Loan amounts go up to $3,000.

Requirements

  • Age. Borrowers must be18 years or older.

  • Residency. Resident of the state you are applying online.

  • ID. Valid government issued ID such as Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).

  • Email. Valid and active personal email address.

  • Phone. Valid and active personal phone number.

  • Proof Of Income. Bank statement or paycheck stubs.

Ways to Receive the Money

At Check City they offer multiple ways for you to receive your loan funds. Once your loan is approved you can receive your money through a direct deposit into your bank account. This is the primary way to receive your funds and is the fastest and most secure way to get your money, usually by the next business day. This way you can use the funds immediately for emergencies, bills or any other financial needs. The process is designed to be hassle free from application to funding so you can get financial relief as smooth and quick as possible.

Products

  • Payday Loan. Short term loans for quick cash. Payday loans are due on your next payday.

  • Title Loan. Loans secured by your vehicle. To get a title loan from Check City you must have a clear title to your vehicle and proof of income.

  • Installment Loan. Longer term loans paid back over time in installments. Installment loans are larger than payday loans and can be used for anything from home repairs to medical expenses.

  • Check Cashing. Check City cashes all types of checks including payroll checks, government checks and personal checks. You can also buy money orders and pay bills at Check City locations.

Other Personal Loans

Reasons for Loan Refusal

Check City follows responsible lending practices and state regulations. All applications are reviewed thoroughly to ensure loans are only given to those who can repay. General reasons for loan refusal are insufficient income or proof of income, poor credit history, no valid checking account, failure to meet state specific regulatory requirements, incomplete application, inability to verify your information or previous loan defaults.

Check Credit Score

How to Repay a Check City Loan?

Repay

To repay a loan with Check City you have several options. First you can make partial payments on the principal amount owed with no additional fees. You can also rescind the loan within 24 hours of approval at no cost by returning the loan proceeds as outlined in the loan agreement. Payment methods are in-person, phone, cash, debit card to prevent check deposits. Online repayment is also an option through automatic withdrawals from your bank account. For more information and to ask questions about payment options and conditions contact Customer Service.

Loans like Check City

OppLoans

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OppLoans is a notable financial service provider that offers consumer loans varying from $500 to $4,000. They expedite the funding process to ensure that approved applicants receive the necessary funds promptly, which is advantageous for those dealing with immediate financial concerns. OppLoans offers adaptable repayment conditions, giving customers the choice between 9, 12, and 18-month loan terms. This adaptability allows borrowers to opt for a repayment plan that matches their financial ability, ensuring a seamless and manageable loan journey.

About OppLoans

Rise Credit

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RISE Credit is a reliable online lender that provides loans up to $5,000. They have a streamlined application procedure, allowing borrowers to have funds transferred to their accounts as early as the next business day. They present the flexibility of choosing a payment schedule that fits with the financial preferences of the customers, although some state-based restrictions might apply. A notable feature of RISE Credit is its 5-Day Risk-Free Guarantee, which permits borrowers to revoke their loan and return the principal with zero fees or interest within the given period. Additionally, RISE Credit grants customers complimentary access to their credit score and credit monitoring alerts through Credit Score Plus, offering valuable financial insight.

About Rise

OneMain Financial

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OneMain Financial stands as a distinguished and enduring lender, offering personal loans that range between $1,500 to $20,000. Boasting a century’s worth of experience in the financial sector, they have garnered the trust of a vast customer base. Their loan terms include fixed rates and fixed payments, offering a predictable and manageable repayment scenario to borrowers. OneMain Financial emphasizes personalized service, ensuring that the distinct needs of each customer are addressed. With a widespread network of approximately 1,400 branches, they provide easy access and convenience for individuals in search of financial aid.

About OneMain Financial

Universal Credit

Apply for a Loan

Universal Credit requires applicants to have a minimum credit score of 560, thus excluding those with no credit history. It is appealing for its credit-enhancement features, making it suitable for individuals with fair or poor credit looking to better their scores. Providing larger loan amounts than Oportun and next-day funding upon approval, it emerges as a solid choice for significant, urgent financial needs. Universal Credit extends its loan services across all 50 states and Washington, D.C., offering a wide geographical coverage.

About Universal Credit

Editorial Opinion

Check City is a trusted and convenient option for short term financial solutions. With multiple loan products from payday loans to installment loans and fast, friendly and transparent service Check City knows what you need. Check City follows state regulations and responsible lending practices which adds to its credibility and trust in the financial services industry. However as with any financial service you should read the terms and conditions of the loan, the implications of your repayment obligations and explore all your financial options before applying.

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional Resources

Sources

FAQ

How much can you borrow from Check City?

The amount you can borrow from Check City will depend on the type of loan you are applying for, your income, and the laws and regulations in your state. Here are some general loan amount limits for Check City loans:

  1. Payday loans. Payday loans are short-term loans that are typically due on your next payday. The maximum loan amount for a payday loan from Check City is typically $1,000, but may vary depending on your income and the laws and regulations in your state.
  2. Title loans. Title loans are secured loans that use your vehicle as collateral. The loan amount for a title loan from Check City will depend on the value of your vehicle and may vary depending on the laws and regulations in your state.
  3. Installment loans. Installment loans are longer-term loans that are paid back over time in regular installments. The maximum loan amount for an installment loan from Check City will depend on your income and the laws and regulations in your state.

It is important to note that borrowing money from Check City or any other lender should be carefully considered, as loans can be expensive and lead to debt if not used responsibly. Before borrowing money, it is important to review the terms and conditions of the loan and make sure that the payments are affordable within your budget.

Does Check City approve everyone?

No, Check City does not approve everyone who applies for a loan. Check City, like other lenders, has certain eligibility criteria and other restrictions that borrowers must take into account to be approved for a loan. These criteria may vary depending on the type of loan you are applying for and the laws and regulations in your state.

Some factors that may affect your eligibility for a loan from Check City include:

  1. Income. You will need to demonstrate that you have a regular source of income that can be used to repay the loan.
  2. Credit history. While Check City does not require a credit check for some loans, your credit history may be taken into account when determining your eligibility and loan terms.
  3. Identification. You will need to provide a valid government-issued ID to verify your identity.
  4. Bank account. For payday loans and installment loans, you will need to have an active checking account in your name, which will be used to deposit the loan funds and process repayments.
  5. Title to the vehicle. For title loans, you will need to have a clear title to your vehicle in your name and provide proof of ownership.

Overall, the decision to approve or deny a loan application from Check City will depend on a variety of factors, including your eligibility, the loan amount requested, and the laws and regulations in your state. It is important to carefully review the terms and conditions of any loan before applying, so you can make an informed decision about your finances.

Is Check City a legitimate company?

Check City is a legitimate financial services company that has been in business since 1986. The company is licensed and regulated by state and federal agencies, which means that it operates within the legal framework of the financial industry. Check City also has a customer service team that is available to answer questions and provide assistance to its customers.

In addition, Check City uses industry-standard security measures to protect customer data and prevent fraud. This helps to ensure that customers' personal and financial information is kept safe and secure.

Check City has a Better Business Bureau (BBB) rating of A+, the highest possible rating. This indicates that Check City has a good track record of customer satisfaction and has been responsive to customer complaints filed with the BBB.

Overall, Check City appears to be a reputable and legitimate financial services company that takes its obligations to customers seriously. However, as with any financial service provider, it is important for customers to carefully consider the terms and conditions of any loan or financial product before borrowing money. Customers should also ensure that they understand the fees and interest rates associated with any loan or financial product to make informed decisions about their finances.

Is Check City a good lender?

Whether or not Check City is a good lender depends on individual circumstances and needs. Check City offers a variety of loan products, including payday loans, installment loans, and title loans, which may be helpful for individuals who need short-term financing to cover unexpected expenses or emergencies. Check City also offers additional services, such as check cashing, prepaid debit cards, and bill payment, which can be convenient for customers who need to manage their finances.

However, like all lenders, Check City charges fees and interest rates for its loans, which can be expensive if not repaid on time. It is important for borrowers to carefully review the terms and conditions of any loan before borrowing money and to make sure that the payments are affordable within their budget. Late payments or missed payments may result in additional fees and charges, which can increase the overall cost of the loan.

Overall, whether or not Check City is a good lender depends on individual needs and circumstances. If you need short-term financing and are able to repay the loan on time, Check City may be a helpful option. However, it is important to carefully review the terms and conditions of any loan, compare fees and interest rates with other lenders, and make informed decisions about your finances.

Company documents

Terms of use
Privacy Policy

Check City offers easy access to many financial services both in store and online. We've worked hard to create a seamless application process both online and in our stores. Get the loan funding you need after just a few application steps!

© Check City
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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100.00 – 9000.00 $
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120.00 – 210.00 %
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7 months – 19 months
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300.00 – 1500.00 $
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Interest rate

386.40 – 509.40 %
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Loan term for the financial product

5 months – 6 months
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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100.00 – 3000.00 $
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Interest rate

386.40 – 610.18 %
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Loan term for the financial product

3 months – 6 months
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.98
(20 Ratings)
Recommended FinScore™
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50.00 – 2500.00 $
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Interest rate

194.67 – 782.14 %
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Loan term for the financial product

4 days – 1 months
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6.34 – 35.89 %
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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100.00 – 4000.00 $
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.93
(20 Ratings)
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450.00 – 12000.00 $
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27.50 – 81.29 %
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6 months – 3 years
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Check City reviews 2025
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4.6
Pros
Everyone at my preferred location is exceptionally helpful, informative, and empathetic. They understand that needing these types of loans is often a situation people would rather avoid, and they make the process as comfortable as possible.
Complain
4.6
Pros
I consistently have excellent experiences whenever I visit Check City, and this holds true no matter which location I choose. Great job, as always!
Complain
4.8
Pros
I'm currently facing a challenging situation, and Check City came through with the funds I needed to address my problem. The process was straightforward and hassle-free, and within minutes of applying, I received a call to discuss my loan terms. Thank you so much!
Complain
4.4
Pros
I find myself needing their services quite frequently. However, regardless of how often I visit to either obtain a loan or make a payment, I never sense any judgment. They consistently make me feel genuinely welcome.
Complain
2
Cons
I inquired about making my payment a day later, and the representative assured me it was acceptable. However, when I returned the next day, I was surprised to find out that they had already deposited my check and withdrawn the entire loan amount from my checking account. This action left me in a difficult financial situation, compelling me to close my bank account, which I had maintained for nearly 20 years.
Complain
4.6
Pros
Consistently outstanding service! The employees are fantastic, always friendly and eager to assist.
Complain
4.4
Pros
I consistently receive excellent service. I often pay before the due date, sometimes even early on the due date, and whenever I need some extra cash, I trust them to deliver. Thank you!
Complain
4.4
Pros
My visits have consistently been pleasant. Despite having 3 or 4 people ahead of me, the wait time is minimal. No complaints here, and I encourage you to keep up the great work!
Complain
2
Cons
The sales representatives lack comprehensive knowledge about the various tasks and services offered by Check City. They often resort to offering any information they can conjure up, which doesn't effectively assist customers.
Complain
4.8
Pros
Check City was a significant help during a challenging time for me. Faced with unexpected, sizable bills between paychecks, they provided a swift solution, allowing me to promptly cover my expenses and alleviate my worries.
Complain
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Company rating
4.0
/ 5
20 reviews
Application
4.0
Support service
4.0
Mobile App
4.0
Service quality
3.9
Your satisfaction level
4.1
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