Check City offers loans in 21 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.

Standout Features:

* Easy application process
* Offers a variety of services, such as check cashing, title loans, prepaid debit cards, money transfers and more
* No minimum income requirement
* Secure website and rated A+ by the Better Business Bureau
* Loans available in 21 states

Secure Site:   Excellent

Check city provides a secure transfer for your sensitive information and has a solid privacy policy in place. They have also been online for 10 years and have a good reputation with the Better Business Bureau.

Ease of Use:   Excellent

This payday 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.

Cost of Loan:   Excellent

Check City is about in the middle when it comes to loan costs, loans for $100 balances usually range from $10 to $25, this service is $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.

Customer Service:   Excellent

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 and Nevada. 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 found their proactive chat a bit annoying, but it is nice to have a chat option.

Summary:

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.