PROS / This service has less requirements that the borrowers must follow.
CONS / Only available in 22 states due to legal issues.
VERDICT / This may be the best service provider because almost anyone can borrow money and get it fast.
Check City offers loans in 22 states, has competitive rates, and does not have a minimum income requirement. With this service you can easily fill out an application online and get approval fast. You can also visit one of their stores and get full access to everything they provide.
This payday loan service provides much more than just short term loans, they also provide check cashing, prepaid debit cards, title loans, money orders, prepaid phone cards, gold buying, money transfers, insurance, tax services and mortgages, depending on the state. They can also provide direct deposits, over night deposits, electronic transfers and more. You can even apply by phone.
They provide secure transfers of information, and have been around a while, over 10 years online with a good reputation. We also liked that they provide a variety of ways for you to contact customer service, including by telephone, email and instant chat.
Ease of Use
This payday cash loan service is extremely easy to use; they even have quick quote form that is even easier to fill out than the regular loan application form. The pricing structure is simple to understand and well communicated on their website and you can quickly find the rates for your particular state. However, the website is not the easiest to navigate, for example, different sections have different top navigation buttons, so you cannot easily move from section to section. For instance you have to go to the About Us section to find the Services section.
Check City has emerged as the low cost lender among advance payday loan providers as they have maintained their costs as competitors prices have risen sharply. Loans for $100 balances usually range from $10 to $25. Our comparison loan costs $17, which comes to 443.21% interest in the state of Utah for 14 days. Keep in mind that if you extend beyond the 14 days the total costs go up; it is another $17 every week that you extend a loan. We looked at fees in the state of Utah, but other states have different rates, for example Colorado is $20 per $100 and California is $17.64 per $100. Some states are even lower prices, like Illinois which is $15.50 per $100 and Washington State is $15 per $100.
Help & Support
Check City provides quite a few ways for you to contact support. You can contact them by email, mail, telephone, chat or fax. They also have quite a few stores in Utah, Nevada, Colorado, Virginia and Maryland. We tested their email support and did not receive an answer back as promptly as we would like, though we did email them during off business hours and likely that is what caused the delay. We particularly found their online chat feature, unusual among payday loan services, to be helpful. Customer support personnel were forthcoming and quick to answer all our questions.
Overall, we had good experiences with Check City and found their services to be competitive and varied. They can provide fast loans to almost anyone with a steady income and they have an excellent reputation, certainly worth looking into if you find yourself in a serious financial crunch. Their emphasis on customer service combined with loan rates that are now lower than other providers combined to earn them our top ranking.