Name

Check City

Legal name

CCI Financial, Inc.

Website

https://checkcity.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Short-Term Consumer Lending

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Single-Payment Payday Loans (FSAKAMAA)

akta.pro secondary industry

Check Cashing with Deferred Presentment (FSAKAMAL)

Keywords

• Payday loans
• Installment loans
• Title loans
• Check cashing
• Short-term lending

Headquarters

HQ city

Orem

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others, Infrastructure

Revenue model

1. Payday Loans / Cash Advances: Short-term loans typically due on the borrower's next payday. The company charges loan fees for these services, with rates varying by state. A single payday advance is typically for two to four weeks.
2. Installment Loans: Loans with more manageable payment schedules that break payments into smaller chunks over multiple pay dates. Fees vary by state and loan amount.
3. Personal Loans: Flexible funding options paid off over a number of months with payments due on the borrower's pay dates. Check City offers a 25% APR reduction on Personal Loans in Utah (from 388% to 289% APR).
4. Title Loans: Secured loans where customers use their vehicle title as collateral. The lender holds a lien on the title during the loan period.
5. Check Cashing: Physical check cashing services at store locations for fast check processing.
6. Tax Services: Federal and state tax preparation services with electronic filing capabilities, including tax refund advances.
7. Money Transfers: Money transfer and money order services at store locations.
8. Netspend Cards: Prepaid card services providing payment cards with funds loaded in advance.
9. Additional Services: Services including cash for gold and bill payment options.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Check City is a state-licensed consumer lending provider that originates short-term loans—payday, installment, personal, and title loans—to individual consumers needing quick access to cash, both online (across 14 states) and at physical stores (Utah and Nevada). Its funding infrastructure supports same-day and instant-deposit disbursement for qualifying applicants, with a direct-lender model outside Texas where it instead operates as a CSO/CAB.

Product overview

Check City is a state-licensed short-term financial services provider offering a portfolio of loan products and ancillary financial services. The core product suite centers on short-term consumer loans—payday loans, installment loans, personal loans, and title loans—all designed for quick access to cash for immediate financial needs. Same-day and instant funding options enhance the primary loan products for qualifying returning customers. Complementing the lending portfolio are check cashing, prepaid Netspend cards, tax preparation services (including tax refund advances), and money transfers. The company operates both physical retail locations (Utah and Nevada) and online services across 13 states, positioning itself as a community-centered alternative to traditional banking for consumers seeking short-term credit solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Payday Loans Fast-funding short-term loans due on the borrower's next payday, typically for two to four weeks, with state-variable fees and APR. Designed for individual consumers needing quick cash for emergencies or to bridge pay cycles.
• Installment Loans
• Installment Loans Loans that break repayment into smaller, scheduled payments over multiple pay dates, providing more manageable repayment than single-payment payday loans. Fees vary by state and loan amount.
• Personal Loans Flexible funding paid off over a number of months with payments aligned to the borrower's pay dates. In Utah, Check City offers a 25% APR reduction (from 388% to 289%). Credit extended on approved credit.
• Title Loans Secured loans that allow customers to use their vehicle title as collateral, with the lender placing a lien on the title during the loan term. Rates and terms vary by state.
• Same Day Loans Quick funding option delivering loan proceeds on the same business day for online applications submitted before 12:30 PM MST when direct deposit is selected. Subject to qualifying approval.
• Instant Loans Same-day funding available to qualifying returning Check City loan customers who select the 'Instant' funding option and provide bank account and debit card information for faster disbursement.
• Cash Advance Loans Small, short-term loans providing quick cash to borrowers, repaid on their next pay date, functioning similarly to payday or installment loans.
• Tax Services Federal and state electronic tax filing available year-round with assistance from experienced tax professionals, including tax refund advance products for faster access to expected refunds.
• Check Cashing In-store check cashing service with fast processing and convenient store hours for cashing personal and business checks at Check City retail locations.
• Netspend Cards Prepaid card program (via Netspend) allowing customers to load funds in advance and reuse the card for ongoing payments and financial management.
• Money Transfers Money transfer and money order services available at Check City store locations for domestic remittance needs.
• Additional Services Miscellaneous financial services including cash for gold, bill payment, and other ancillary offerings available at Check City store locations.

Quantifiable outcome

• 57,000+ five-star reviews on Shopper Approved platform
• +5 more outcomes

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• NetspendsupportingOthersCheck City offers Netspend prepaid cards as part of their service offerings. Netspend is a prepaid card provider that allows customers to load funds and reuse the card. This partnership extends Check City's financial services portfolio.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• LendUp: Online short-term and installment lender positioned as a more consumer-friendly alternative to traditional payday lenders. Competes for the same subprime online customer as Check City's digital channels in overlapping states.
• OppLoans: Online installment lender to subprime consumers offering lower APRs than traditional payday loans. Operates in a meaningful subset of Check City's online states and targets the same demographic seeking alternatives to bank credit.

Others

• Netspend: Prepaid debit card provider already partnered with Check City to offer Netspend cards through the storefront and online channels. Adjacent ecosystem participant enabling Check City's prepaid card revenue stream rather than a direct competitor.

Direct peers

• CashNetUSA: Online-focused installment and payday loan provider (subsidiary of Enova International) serving many of the same states Check City operates in online. Direct competitor for the digital portion of Check City's customer base.
• Check Into Cash: Payday, title, and installment lender with brick-and-mortar stores and a national online platform. Closely comparable on product mix, customer base, and licensing footprint, with similar community-brand orientation.
• Speedy Cash: Multi-channel short-term lender providing payday, installment, title, and personal loans via both retail storefronts and an online platform. Operates in many of the same states as Check City and competes head-to-head for the same cash-constrained borrower.
• Advance America: One of the largest U.S. payday and installment lenders, with both storefront and online presence across many of the same states as Check City. Offers an almost identical product set (payday, installment, title, prepaid cards) and serves the same subprime consumer segment.
• World Finance: Personal installment and tax preparation lender with a large brick-and-mortar footprint across the South and Midwest. Comparable on installment lending plus tax services cross-sell, and competes for similar subprime borrowers.
• ACE Cash Express: Retail and online short-term lender (payday, installment, title loans) plus check cashing, bill pay, and prepaid cards—nearly identical service mix to Check City, operating across many overlapping states.

Regional players

• Moneytree: Payday, installment, and title lender concentrated in the Western U.S. (notably Washington, Idaho, Nevada, Colorado, Utah). Strongly comparable product offering with a more regional physical footprint than Check City.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/checkcity
• Facebookfacebook.com/CheckCity
• Instagraminstagram.com/checkcity
• TikToktiktok.com/@checkcity
• Pinterestpinterest.com/checkcity
• Xx.com/checkcity
• LinkedInlinkedin.com/company/check-city

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Check City