Find out about Check City payday loans, plus information on the other services they offer, such as check cashing, and prepaid debit cards.
The company has been operating in the financial markets since 1986, and today, you can find their outlets in several states.
From day one, they have put emphasis on customer service, including being a one-stop shop for financial services and having comfortable & inviting stores.
The breadth of financial services, available in Utah, Nevada, Virginia, Maryland, and Colorado (the company is licenced in each state it operates), covers...
prepaid debit cards,
withdrawal transfers, as well as
tax and mortgage services.
The firm is often called a "direct payday lender", which just means it is not a cash advance broker.
There is an exception to this rule with the company, however, because in Texas the operate as a "Credit Service Organization". This means they service your loan through an affiliated short-term loan provider.
Short-term loans and cash advances from the company are quick loans, where the repayment usually is due on your next payday.
To apply for their loans, you can make the loan application both online, or by calling to their customer service number, where a customer service agent will fill the loan application for you.
Before you start the loan application process, always read the loan agreement through very carefully, including terms that relate to the cost of credit:
Annual Percentage Rate,
the finance charge, and
total amount you are required to repay according to federal Truth in Lending Regulations.
If you fail to pay the loan back on time, additional fees usually apply for these short-term loans with payday lenders, including late fees, returned item/NSF fees, or ongoing interest costs.
The loan application processing by the company is usually very fast, so that, depending on what time you submit the application, you'll often get a same-day approval.
If your loan application is approved by the company, the funds payment has been automated, so that you'll receive the money electronically.
The electronic transfer is deposited into your bank account, typically the next day from the approval.
Repayment is automated by Check City as well, using the Automated Clearing House Transaction (ACH), according to their loan agreement at the time of writing this. Always check whether this is true in your case.
ACH electronic withdrawal means that the funds to be repaid by you will be taken automatically from your account on the loan's due date.
If you choose to, however, the company has an option for paying via debit or credit card (by calling the customer service line). Always check the latest available date for doing this, so you don't miss the deadline.
Cash advances should be used for short-term financial needs only, not as a long-term financial solution.
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