Our Mission
CheckCityApply.com exists for one reason: most people researching a short-term loan online land on marketing pages designed to sell, not educate. We built this resource to provide clear product explanations, honest comparisons, real-world cost examples, and pointers to lower-cost alternatives — alongside a streamlined application path for borrowers who’ve decided a Check City loan is right for them.
What We Cover
We focus specifically on Check City — one of the longest-established direct lenders in the U.S. consumer short-term credit market — because depth beats breadth. Rather than rate dozens of lenders at the surface, we go deep on one and compare it honestly against its peers. Check City’s 40-year track record, BBB accreditation, and product breadth (payday, installment, title, line of credit) make it a useful reference point for the entire industry.
What We Are Not
We are not Check City. We are not CheckCity.com (the company’s official site). We do not issue loans, set rates, or make credit decisions. We are an independent information and marketing site that earns commissions when readers apply through our pages. Our editorial decisions about what to write — including criticisms — are made independently of any commercial arrangement.
About Check City (the Lender)
Check City is a consumer finance company founded in 1986 in Provo, Utah. It operates as a direct lender (not a broker) in 13 states plus Texas (where it acts as a CSO/CAB) and serves customers through more than 70 retail store locations as well as a fully online application path. The company is BBB-accredited with a B+ rating and is licensed by the state financial regulator in every state where it lends.
How We Make Money
We earn a commission when a reader clicks through to apply via the application form on our pages and is approved by Check City. We do not receive payment for editorial content, and the commission does not change the loan terms a borrower receives. Our reviews and comparisons aim to be honest even when they reflect less favorably on Check City — because long-term trust matters more than any single conversion.