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Loan proceeds issued through our website are generally deposited via ACH for delivery next business day if approved by 8pm CT Mon.
Fri. Check City acts as a credit services organizationcredit access business (CSOCAB) in Texas and is not the lender loans there are made by a third-party lender. This is an invitation to send a loan application, not an offer to make a short term loan.
This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia. VCC Credit Services Inc.dba Check City Title Loans, a motor vehicle title lender, is licensed by the Virginia State Corporation Commission.
Some states have limits on how much a payday lender can charge, some have no limits and some have enough regulations in place that payday lenders dont operate in them. This makes evaluating lenders on their rates difficult. With that in mind, we looked for the highest and lowest fee each lender charges. This gives a good baseline for how much you can expect to pay and how these lenders approach state regulations, especially in the states with no regulations.
The fees we list apply to a 100 loan for a 14-day period. Often, you see APRs listed for payday loans as high as 600. Because you pay the loan back in two-weeks to a month, the APR serves mostly as a gauge of how expensive the loan is.
Payday loans charge a finance fee, which ranges from 10 to 30 for each 100 you borrow.