Payday Lender Profiles – Check City

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Check City

Check City

A Nevada-based payday lending service that prides itself on consumer service and may offer short-term loans of up to $2,500.

Check City is based in Las Vegas, Nevada, but serves 41 states in the US from its website upon which consumers can apply for quick payday loans. The website is easy to navigate and offers a wealth of information about payday loans, so that you know exactly what you are getting and what you will have to pay. The website also functions under a secure DigiCert SSL protocol, meaning that you need not worry about submitting sensitive personal information such as bank details or home addresses. If visiting a store or applying online is not for you, you can always call up and apply by telephone. For those in need of a loan, all you need to qualify is a regular source of income, a checking account and a form of identification.

To apply for a loan, simply supply all the relevant details and then sit back and await a speedy response. The waiting time for approval is stated at around an hour. Check City does not run checks on your credit history, so even if you have struggled with payments in the past, this will not count against you here. This is why payday loans in general are such an attractive source of immediate funds for those with financial problems or sudden expenses – even those with bad credit can apply and be successful in doing so. Check City offers a higher maximum loan amount than most payday lenders at $2,500, but this will typically be available to returning customers. The APR (Annual Percentage Rate) on a Check City loan is 443.21%, which means you are charged $17 per $100 borrowed.

While Check City’s presence is centered on the state of Nevada, their customer service extends to both their telephone service and website. The company is built on customer service and regularly promotes this policy, in what they refer to as “The Check City Difference” – something that they believe sets them apart from other payday lenders that offer a similar service. Check City also provides a 24/7 around the clock online help service, with the ability to chat live with an operator who will be able to guide you through any questions or issues you have when it comes to applying for a loan.

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