Check City Review

There are quite a few payday loan companies on the web, and it took us a while to sift through them and find what we believe to be the most reliable, trustworthy and competitive. Check City stood out for a number of reasons, and here’s why.

There is an air of respect about Check City that other payday loan companies don’t seem to have. Of course, they make a commission, but because the company doesn’t solely exist for the purpose of payday loans, they aren’t pushy and blunt like many other companies who see customers as “desperate” and therefore can be spoken down to. Check City not only cash checks, but also transfer money, which is useful if you need to cash a check and then pay a loan. They also do cash advance loans and offer refinance on your home, and also help with your tax preparation.

How The Check City Online Payday Loan Service Works

There are stores in numerous states, and commission charges vary, but the online service is ultra efficient and means you don’t have to leave the comfort of your home. Your credit limit will depend on a number of factors, some of which include your monthly income, the dollar amount you may have already borrowed from other payday loan companies (if any), and other credit worthiness factors

The permitted loan amount is determined on an individual basis An electronic withdrawal will be made from your account on the loan’s due date via an ACH transaction. If you choose to, you may instead pay with a debit or credit card by calling the customer service line by the business day before the loan is due.

Loans are approved with just a couple of days, and charges are state specific, so check the website to see the stats for your state. For example, however, in Utah a $100 loan due back in 2 weeks would cost you $17.00

Check City Key Benefits

  • A fast, convenient loan within 2 days
  • 3 step online signup process
  • Payback not due until payday
  • Highly competitive rates
  • Excellent customer service
  • Multiple financial services available to members
  • Low discrimination of previous bad credit 


The 3 step signup process is extremely easy. You simply apply, get approved and get paid. Money is deposited after 2 days into your account and you pay it back on payday. The service is friendly efficient and reliable, and when you need money quickly you can’t ask for more than that. Trustworthy and competitive, highly recommended.