Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process.
In AK, AZ, DC, FL, HI, IN, KY, MI, MN, MT, ND, NE, OK, OR, SD, WA and WY all installment loans are originated by FinWise Bank, a Utah chartered bank, located in Sandy, Utah, member FDIC. California applicants may be funded by one of several lenders, including: (i) FinWise Bank; or, (ii) OppLoans, a licensed lender in certain states. All loans funded by FinWise Bank will be serviced by OppLoans.

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may request in the event that you are unable to repay your loan in full or if you make a late payment. We cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Additionally, we have no knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. Our company makes a reasonable effort to work only with reputable lenders who abide by Fair Debt Collection Practices. If you have a complaint about a specific lender, please Contact Us and one of our agents will look into the matter further.

The payday lending industry argues that conventional interest rates for lower dollar amounts and shorter terms would not be profitable. For example, a $100 one-week loan, at a 20% APR (compounded weekly) would generate only 38 cents of interest, which would fail to match loan processing costs. Research shows that, on average, payday loan prices moved upward, and that such moves were "consistent with implicit collusion facilitated by price focal points".[35]

VCC Credit Services Inc., dba Check City Title Loans, a motor vehicle title lender, is licensed by the Virginia State Corporation Commission. License #VTL-28. Tosh of Utah, Inc. dba Check City Check Cashing, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-57 Anykind Check Cashing, LC. dba Check City, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-21


Say your car broke down and you decide to borrow $300 for the repairs from a payday lender. You’ll write a post-dated personal check for $340 (the amount, plus a $40 finance fee), made payable to the lender. You enter this information online when applying for a payday loan on the internet. The lender then advances you $300 for a set period, usually 14 days. When that period ends, you pay the lender $340 in cash, let them deposit the post-dated check or write another post-dated check for the amount, plus an additional finance fee.
VCC Credit Services Inc., dba Check City Title Loans, a motor vehicle title lender, is licensed by the Virginia State Corporation Commission. License #VTL-28. Tosh of Utah, Inc. dba Check City Check Cashing, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-57 Anykind Check Cashing, LC. dba Check City, a payday lender, is licensed by the Virginia State Corporation Commission. License #PL-21
The federal Truth in Lending Act treats payday loans like other types of credit: the lenders must disclose the cost of the loan. Payday lenders must give you the finance charge (a dollar amount) and the annual percentage rate (APR — the cost of credit on a yearly basis) in writing before you sign for the loan. The APR is based on several things, including the amount you borrow, the interest rate and credit costs you’re being charged, and the length of your loan.
"... payday lending services extend small amounts of uncollateralized credit to high-risk borrowers, and provide loans to poor households when other financial institutions will not. Throughout the past decade, this "democratization of credit" has made small loans available to mass sectors of the population, and particularly the poor, that would not have had access to credit of any kind in the past."[40]
There are a variety of loan types available to you with Snappy Payday Loans. The following are some of the more common types of loan products offered: Payday Loans, Installment Loans, Lines of Credit, Revolving Credit Plans. Once you select the state you reside in, you will be notified of the type of loan products available. As always, please review your loan documents carefully before you sign to ensure you understand the type of loan and terms being offered. Loans types and terms will vary by state law.
As an example, let's look at a guy named Theodore. He's getting kicked out of his apartment in a few days, due to reasons which have nothing to do with him. His paycheck was also a little short for the third time in a row, which means his phone bill, will probably be higher, too. On the other hand, he's found a fantastic new apartment, and this could be a big step forward for him. Right now, he happens to be about 400 bucks short on his deposit, and is considering taking out a cash loan. He's wondering how else he is going to scrounge that cash up...the only other alternative is sleeping in his car, which scares him.
*Approval depends upon meeting legal, regulatory and underwriting requirements. If approved, online loans are funded the next business day. All times and dates are based on Eastern Standard Time (EST). Check `n Go and third party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third party lenders may take that into consideration in the approval process.

Affiliate Disclosure: There are links on this site that can be defined as affiliate links. This means that I may receive a small commission (at no cost to you) if you purchase something when clicking on the links that take you through to a different website. By clicking on the links, you are in no way obligated to buy.

Please Note:The material on this site is provided for informational purposes only and is not financial advice. Always consult a professional before making any financial decisions.

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