Honest reviews from six recent Check City customers across product types and states. Mixed ratings - we don’t cherry-pick five-star reviews.
Our reviews include three-, four-, and five-star ratings from a diverse mix of borrowers. We don’t publish only the glowing reviews, and we don’t edit the criticisms out. If you see a perfectly polished 4.9+ rating on a payday lender site, it likely isn’t representative of real borrower experience.
My car battery died right before a Monday shift and I didn't have $200 to spare. I applied online during my lunch break, got approved within 15 minutes, and picked up the cash at the store on my way home. The rep walked me through the fee and due date before I signed.
Needed to cover a medical bill that insurance wouldn't pay until 90 days. The installment loan let me spread it over six months with the same payment each time, which made budgeting much easier than a single payday loan would have been. Paid off two months early, no penalty.
Used my truck title to get $1,800 to cover a job opportunity that required upfront tooling. The whole thing took maybe 90 minutes including the vehicle appraisal. I kept driving my truck the whole time and got the title back when I paid it off. Be honest with yourself about the APR - it's high - but for me it was the right call.
The line of credit itself is fine - flexible draws, predictable payments. My only gripe is that getting a hold of someone on the phone took longer than I expected, and the store I visited had a long wait. The product works as advertised but service felt slower than competitors.
I'll give them credit for being clear about the cost. The rep showed me the full APR and total repayment before I signed anything, and walked me through what happens if I miss the due date. That said, it's still a very expensive product and I would only use it again as a last resort.
Needed inventory cash and my bank wanted three weeks of paperwork. Check City got me $3,500 with a 12-month installment loan and the money was in my account the next business day. The total interest was real but the predictable monthly payment let me budget around it. Paid off in eight months.
CheckCityApply.com is an independent information and marketing resource and is not the official Check City website. Loan products are offered by Check City, a licensed direct lender based in Provo, Utah. Check City is licensed and regulated in each state where it operates. APRs vary by product and state but can range from approximately 350% to 912% for short-term loans. Short-term loans are intended for emergency financial needs only — not for long-term financial solutions. Please borrow responsibly and consider all available alternatives before applying.