Check City Payday Loans Review 2020 (January) | Credit Raters
Last updated: 20th Feb 2020

Check City Review


Check City is a specialist online lender offering payday loans and instalment loans to thousands of borrowers across the USA. As well as having a large selection of online loans, they also have stores in four states for face to face lending.

Check out our review of Check City below and learn more about how you can successfully apply for competitively priced credit today.

Also Read: Check Into Cash Review

Check City In Numbers

One of the biggest advantages of using Check City is the number of different loan products that they offer. As well as offering highly competitive rates on Check City payday loans, they also provide instalment loans and cash advances as well as a host of other in-store options.

Take a look below at the different Check City loans available online to help you decide which is most suitable for your circumstances. These example rates are sourced from Texas but those on offer will depend on a range of factors including your state of residence.

Loan Type Borrowing Amount Loan Term Example Interest Rate Total Amount Repaid
Cash City Payday Loan Up to $1,000 1 – 40 days 618% $627 ($500 loan for 15 days)
Cash City Instalment Loan Up to 25% of gross monthly income 3 -24 months 69% $640 ($500 loan for 6 months)

Key Features Of Check City Loans

Sites like Check City bring a range of unique features to the market meaning that there’s never a one size fits all solution for solving short term financial emergencies.

Here’s a quick summary of the pros and cons of Check City loans.

  • Online and in store loans available
  • Payday loans from 1 – 40 days
  • Loans paid within 24 hours of acceptance
  • Online loans currently supported across 17 states
  • High interest rates on very short term payday loans
  • Four stores located nationwide
  • Unable to provide any financial support to Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virgina

Check City In Numbers

Check City Alternatives

If Check City isn’t currently able to offer you credit or your state isn’t supported then the great news is that there are literally hundreds of Check City alternatives available to US borrowers.

Whether you’re looking for loans with added flexibility, lower interest rates or longer terms, Viva Payday Loans can help you to compare reputably, trusted Check City alternatives.

Lender States Supported TrustPilot Score Loan Shops
Check City 17 9.2 Yes – 4 states
Speedy Cash Loans 24 8.9 Yes – 14 states
OppLoans 39 7.4 No – online only


Yes! Check City is solely responsible for assessing your application and providing you with your funds, meaning that you’ll always be dealing with your direct lender rather than a middle man.

The amount you’ll be able to borrow will depend on the type of loan you’re applying for and your creditworthiness. Your credit limit and total repayments will be clearly detailed on your credit agreement.

If you’re unable to repay your loan on the dates that you’ve agreed with Check City then this could negatively impact your credit score. All loans are issued on an unsecured basis so they won’t be at risk, however this could impact your ability to get additional credit in the future.

Eligibility Criteria

No matter what Check City loans you want to apply for, there are some basic qualifying criteria that you must meet to be legally considered for these loans.

These include, but are not limited to:

  • Being at least 18 years of age when you apply
  • Having a US checking account
  • Being able to comfortably afford your repayments
  • Being in permanent work or having a regular income
  • Living in an eligible state (see below)

You’ll also need to provide them with your social security number of identity verification purposes and may need to supply additional proof of earnings through pay stubs if needed.

State Availability

Each state has its own unique laws when it comes to loans like Check City offer which is why it’s important that you double check you live in an eligible state when you’re applying.

Utah Nevada
Virginia Colorado
Alabama Alaska
California Hawaii
Idaho Illinois
Kansas Missouri
New Mexico Washington

Customer support

Whether you’re looking for technical support during your application or need a helping with repayments during your loan, sites like Check City list a number of customer support contact options.

Contact them through their online customer inquiry form or email Check City direct at Alternatively, their customer services team is available from Monday to Friday (8am – 7pm MT) on toll-free (800)404-0254.

Also Check:

Application Process

Applying for Check City loans is quick and easy thanks to their simple online application form.

Get an instant online decision on your loan in minutes with our simple step by step guide.

Once you’ve decided that ACE Cash Express loans are the right option for your circumstances, it’s time to start your application. Choose the loan type from their menu on the right-hand side of the screen then enter a few basic personal details to get the ball rolling.

Step 1

Check City Review – Conclusion

As we’ve seen in this Check City review, their diverse range of products across multiple states really does make them a one stop shop for short term loans.

With a fully trained customer services team on hand to deal with you queries as well as a lightning fast online application platform, Check City can help you to get the funds you need in minutes.

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