Applying for Check City loans is a simple process that can be done online or in-store. Applicants need to visit the Check City website, click "Apply Now," and enter basic information such as their email, phone number, last four digits of their SSN, and zip code. After clicking "Get Started," they must complete the loan application, selecting "Personal Loan" when prompted. Requirements include being at least 18 years old, a resident of the state where applying, providing valid identification, a personal email, phone number, and proof of income. If approved, funds are received via direct deposit for online applications or in cash for in-store applications.
How to Apply for a Check City Loan
Visit Website. Go to the Check City website.
Click Apply Now. Click on the "Apply Now" button.
Enter Basic Info. Enter your email, phone number, last 4 digits of your SSN, and zip code.
Click Get Started. Click on the "Get Started" button.
Complete Application. Fill out the online loan application or visit a nearby Check City store.
Select Personal Loan. Select “Personal Loan” when prompted on the online loan application.
Receive Funds. If approved, online applicants will receive their funds through direct deposit, and in-store applicants will receive their funds in cash at the store.
Conditions
Loan Terms. Terms are available for up to 6 months.
APR. Annual Percentage Rate (APR) can be as high as 782.14%.
Loan Amounts. Loan amounts are available up to $3,000.
Requirements
Age. Be at least 18 years old or older.
Residency. Be a resident of the state where you are applying online.
Identification. Provide a valid form of government-issued identification like a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
Email Address. Provide a valid and active personal email address.
Phone Number. Provide a valid and active personal phone number.
Proof Of Income. Provide proof of income, such as a bank statement or paycheck stubs.
Reasons for Rejection
Insufficient Income. If your annual income is below the required minimum, your application may be rejected due to an inability to meet the repayment obligations.
Lack Of Required Documentation. Failure to provide necessary documents, such as a copy of your paycheck stub, can result in your application being denied.
No Bank Account Or Credit Card. Not having a bank account or credit card as an alternative payment method can lead to rejection since it is a mandatory requirement.
Employment Verification Issues. Inaccurate or unverifiable employment information, such as discrepancies in your employer's details or job title, can cause your application to be rejected.
Age Restriction. Applicants under the age of 18 are not eligible for the program, and any application from individuals below this age will be automatically rejected.
When applying for Check City's services, there are no requirements on the clientele's credit score. Instead, the company considers the customer's minimum monthly income.
Can I qualify with Check City if I'm unemployed?
If you are unemployed, you can qualify for Check City if you have a verifiable income, and it can cover monthly payments of the lending amount of money.
Can I apply for a Check City loan online?
Depending on the user's state of residence, they can apply for a Check City loan online on its website.
