Check City
checkcity.com/
1988 S. Wadsworth Blvd
Lakewood, CO
(303)988-3073
Check City is a very comprehensive company that operates in five states. This company goes above and beyond many typical payday loan sites due to the large amount of services and great customer support available. The website features tons of information about payday loans, title loans and other services provided so you can really get a feel for how payday loans work and even read about payday loan laws in your area.
What They Offer
Check City offers a lot of additional services in addition to traditional payday loans. You can get title loans, sell old silver and gold items, buy money orders, do money transfers, get phone cards and even get help preparing your yearly taxes. Many of these services are only available at the physical location of the store in Lakewood however. For most people seeking a payday loan, you’ll visit the website and fill out an online application before speaking to a customer support representative.
There is live chat support available during business hours so you can chat with a customer support rep who will answer any questions you have or clarify anything you don’t quite understand about payday loans.
Where They Are Located
The Colorado branch of Check City is located in Lakewood but if you’re seeking a short-term payday loan, you can apply for and be approved for a payday loan using their website. If you happen to live in Lakewood, you can simply visit the physical store if you choose.
The online application consists of two parts that you can complete no matter where you are in the state. The site should be accessible from any computer but only newer mobile devices will be able to view it properly as of summer 2011. Older phones and pre-paid phones won’t allow you to visit the site and view it fully.
Rates/Terms
In the state of Colorado, you can borrow up to $500. On the first $300 you’ll be expected to pay back that full amount plus 20% and any fees imposed by the company (this is usually $20 in CO). If you borrow an amount larger than $300 the interest actually drops down to 7.5% after the initial 20% imposed on the first $300 making a larger borrowed amount fairly easy to pay off.
If you feel you’re going to be unable to pay this loan off fully when the loan is due, let them know as soon as possible so you can avoid paying any additional fees from your bank. You are allowed one rollover in the state of CO so you can use that to give yourself until another payday just in case you’ve made less than expected or some other issue has arisen.
Additional Info
Check City works closely with the local community which shows its dedication as a “family friendly” company. They often sponsor children’s sports teams and take part in community events.
