Check City

Check City: short-term financial services in the United States

Check City is a financial institution operating in the United States and presents itself as a provider of fast cash solutions, with over 35 years of experience in the sector. Its offering combines short-term loans, check cashing and collection services, and prepaid card products, among others. The company serves customers both online and in physical stores, and its website allows users to start loan applications and search for locations.

Credit products

The loan catalog includes several modalities. Payday loans are a fast-funding option that is repaid on the borrower's next payday. Installment loans break payments into smaller, more manageable chunks. Personal loans are paid off over several months, with due dates aligned with the customer's pay dates. Same-day loans are also offered, allowing funds to be obtained the same day, as well as title loans, in which the customer uses their vehicle title as collateral. The company also mentions short-term loans and cash advances.

Additional services

In addition to credit, Check City provides check cashing services at its stores, with fast processing. It offers tax services, including electronic filing of federal and state returns at any time of the year, through experienced professionals. It also facilitates money transfers and money orders at its locations. It markets Netspend prepaid cards, which are reloadable payment cards with preloaded funds. In the additional services category, the company mentions buying gold and paying monthly bills, among others.

Coverage and operations

Check City operates online and through physical stores. According to the site's information, online loan services are available in Alabama, Alaska, California, Idaho, Kansas, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Utah, Wisconsin, and Wyoming. In Texas, CheckCity.com acts as a credit services organization/credit access business (CSO/CAB) and not as a direct lender, but rather seeks to broker a loan with an unaffiliated third party. The company also indicates that it does not offer loan services in all states and that availability varies by state law. Physical stores are located in Utah and Nevada, according to the locations section.

Awards and ratings

The company highlights a 4.9-star rating on Trustpilot, 4.9 stars on Google, an A+ rating on BBB, 4.8 stars on Shopper Approved, and having won the Infin Activa Award seven times. These ratings are presented as updated as of May 2026. Check City describes itself as a community-centered financial services provider with over 35 years of experience, and emphasizes a simple application process and exceptional customer service.

Legal and regulatory information

The site includes notices about the nature of payday loans, which are typically for two to four weeks, but are often used for months, which can be costly. It warns that they are not recommended as a long-term financial solution. Funds requested online are generally deposited via ACH for next-business-day delivery if approved before 8 p.m. CT Monday through Friday. The company identifies itself as a licensed lender in the states where it operates and mentions specific licenses, such as Ohio (CCO Ohio, Inc. dba CheckCity.com, license no. ST.760192.000) and California under the Deferred Deposit Transaction Law. For Utah residents, a contact number is provided for questions or complaints about payday loans and title loans, as well as the contact for the state regulator, the Utah Department of Financial Institutions.

Educational resources and community commitment

Check City maintains a section called Cash Academy, with articles and guides on loans, personal finance, and taxes. Topics published include what is a tax refund advance, what is a payday loan, what is an installment loan, what is a personal loan, what is a title loan, and a beginner's guide to filing taxes. In the community sphere, the company participates in initiatives such as the Check City scholarship, the Warm Hearts Coat Drive, the Three Square Food Drive, the Souper Bowl of Caring event, and the Shade Tree fundraiser.

Locations and offices

Check City Online Location: Check City Online PO Box 970028 Orem, UT 84097

Check City Nevada Location: Check City PO Box 35227 Las Vegas, NV 89133

Check City Utah Location: Check City PO Box 970851 Orem, UT 84097