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.
Key Features
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Multiple Financial Services. Check City offers payday loans, installment loans, personal loans and title loans.
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Easy and Fast Application. They comoany makes the application process easy and fast.
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Community Focused. With over 35 years of financial history Check City is a community focused financial service provider.
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Great Customer Service. Check City strives to be as friendly and helpful as possible with the customer service.
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Fast Solutions. They aim to provide fast and simple solutions to get you the financial help you need as soon as possible.
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Compliance and Responsible Lending. The lender is a state licensed lender and follow state and federal laws to ensure responsible lending.
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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?
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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.
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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.
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Click on 'Apply Now'. After choosing your loan type and state, click on the 'Apply Now' button to start the application process.
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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.
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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.
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Submit Your Application. After filling out all required fields and reviewing your information for accuracy, submit your application for review.
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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.
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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.
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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.
How to Repay a Check City Loan?
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
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.
Rise Credit
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.
OneMain Financial
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.
Universal Credit
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.
Editorial Opinion
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. 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. Carefully review all the terms and conditions of your payday loan contract. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan. 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. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.Important
How to Choose a Lender
Additional Resources
- Full Check City Account Review
- How to Apply for a Check City Loan
- How to Repay Check City Loan
- Check City Customer Reviews
- All Check City Coupons and Promo for February 2025
- Check City Loans for February 2025