There are a vast amount of cash advance sites available, which makes it very hard to find reputable and honest state-licensed lenders. It’s even more difficult to find a state-licensed lender with an A+ Better Business Bureau rating and stores spanning several states, apart from Check City.

Ever since 1989, Check City has been active, and has built over 70 locations across Colorado, Maryland, Nevada, Utah and Virginia. Even if you live out of these states, you can still easily apply online and receive a fast payday loan.

What Makes Check City the Best Payday Lender on the Market?

I have been releasing reviews of cash advance sites for over 5 years now, and from what I’ve seen, Check City is far ahead most of them.

Their honesty and straightforwardness on their site is obvious when you visit their website. You can obtain information about their cash advances, loan fees and what to expect when you apply with a simple click of the button.

As they are a state-licensed direct lender (which is important and something you should be looking for), the rates and terms of their loans will vary state-by-state. In Illinois for example, you will be looking to pay $15.50 per $100 for a standard 30-day payday loan. In Colorado, you can receive a 186-day instalment loan, where you can pay $132.30/month when borrowing $500. If you’d like to find more information about their loan rates and terms, simply scroll down to the bottom of their website, click on “Online Rates and Fees”, and then select your relevant state.

Their website is also backed up and certified by McAfee and Digicert, who are two leading security companies, so you can feel confident knowing your personal information you share when applying online will be kept safe and secure.

Check City’s customer service is where they really stand head and shoulders above the rest. Unlike other payday loan lenders who ask you to fill out a contact form, which leaves you waiting for their reply days later, Check City offer instant customer service. How do they do this? They do this by having live chat agents and a toll-free telephone number for you to use.

That’s not all, for your repeat custom, you get great discounts on further loans of up to 15% off.

While Check City has an A+ Better Business Bureau rating, they are also in high standing with the Community Financial Services Association, Financial Services Centers of America and the Utah Consumer Lending Association. You will also be supporting brilliant causes such as the Muscular Dystrophy Association of Las Vegas and the United Cerebral Palsy of Utah when you do business with Check City, due to their extensive community projects.

You can make an application within just 3 minutes, and have your payday loan directly deposited into your bank account the following business day, providing your loan has been approved by 7pm MST.