Apply for Your Loan
Complete your secure application in about 2 minutes. Instant decision, no hard credit pull at application.
Get Started — It Only Takes 2 Minutes
Apply for $100 to $5,000. Decision in minutes. Same-day funds available.
Quick Application Questions
How long does the application take?
Most applicants complete the form in under 2 minutes. You'll receive an instant decision in most cases.
Will applying affect my credit score?
No. The application uses a soft credit check, which does not affect your credit score. A hard pull may occur only at funding for some products.
When will I receive my funds?
If approved and you finalize in-store, you can receive cash the same day. Online applications typically fund by the next business day via ACH deposit.
What documents do I need?
A valid government-issued ID, proof of income (a recent pay stub or bank statement), and an active checking account. Title loans additionally require a clear vehicle title in your name.
Why You Can Apply with Confidence
256-bit SSL Encryption
Every form submission is encrypted end-to-end with bank-grade TLS. Your personal and banking information is never transmitted in plain text.
State-Licensed Direct Lender
Check City holds a current consumer lending license in every state where it lends. License numbers are disclosed on every loan offer.
BBB Accredited · B+ Rating
Better Business Bureau accredited business with a B+ rating reflecting transparent complaint resolution and 40 years of operation.
Soft Credit Check Only
Applying does not affect your credit score. A soft pull is used to verify identity and check basic eligibility — no hard inquiry at application.
TILA-Compliant Disclosure
Federal Truth in Lending Act disclosure of APR, total finance charge, and payment schedule appears on every loan offer before signature.
40 Years in Business
Check City has operated continuously since 1986 — four decades through multiple regulatory and economic cycles.
What Happens Next
Each step is fast, transparent, and tracked. Most applicants reach decision within five minutes during business hours.
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1Minute 0 – 2
You complete the application
Enter your personal, employment, and banking details on the secure form above. Have your government-issued ID, recent pay stub, and checking-account info ready to keep the process moving.
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2Minute 2 – 7
Underwriting and decision
Automated underwriting runs in real time using a soft credit check and income verification. Most applicants receive a decision within five minutes; complex cases may be referred for manual review and take longer.
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3Minute 7 – 15
Review and sign your offer
If approved, you'll see your exact APR, total finance charge, payment schedule, and any state-specific disclosures. Read carefully — if anything doesn't match what you expected, contact customer service before signing.
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4Same day or next business day
Funds are disbursed
For in-store completion, you walk out with cash same-day. For online completion, your funds typically arrive by ACH direct deposit the next business day — sometimes same-day if you sign before the daily ACH cutoff (around 1pm Eastern).
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5On your due date(s)
You repay according to schedule
Repayment is typically automatic via ACH from the bank account you authorized. You can pay early with no prepayment penalty — doing so reduces your total interest cost. If you anticipate missing a payment, contact customer service before the due date to discuss available options in your state.