Installment Loans FAQ

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Installment Loans FAQ

For Colorado Residents Only

	How do I qualify for a Loan?
	To qualify for a loan simply bring written verification of your income (your paystub awards letter etc.), a check from your open and active checking account, your most recent bank statement and your photo ID.
	How much can I borrow?
	Colorado state law allows you to borrow up to 25% of your gross monthly income or up to $500, whichever is less.
	How do I pay back a small loan?
	Payments are set up for six substantially equal installments, starting one month (31 days) from the date you take out the loan. Payments can be made in person with cash, credit, debit, or check. Payments may also be made over the phone using a debit or credit card.
	What will a small loan cost?
	Please check out our Colorado Deferred Deposit Transaction Rates and Terms page for more information.

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Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Additionally:

*Actual loan amounts vary. See State Center for specific information and requirements.

***Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Check City provides loan services in: Alabama, California, Hawaii, Idaho, Illinois, Indiana, Kansas, Michigan, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Wisconsin, and Wyoming.

Check City acts as a credit services organization/credit access business (CSO/CAB) 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.

*Loan proceeds issued through our website are generally deposited via ACH for delivery next business day if approved by 8pm CT Mon. – Thu. or by 8pm Saturday.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.