See Rates and Fees for specific information and requirements. 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. Check City does not usually utilize traditional credit checks as part of the payday loan approval process. Payday Loans are also commonly referred to as Cash Advances, Payday Advances, Payday Advance Loans, and Fast Cash Loans. If you need a larger title loan amount or a longer repayment plan, ask about the Installment Title Loan. It's generally a smaller loan option with a smaller term so you can get the funds you need quickly, pay the loan off, and be done with the loan quickly too.Īlongside this traditional title loan option, Check City offers even more options and loan flexibility. Installment Title Loan OptionĪ typical title loan comes with a 30-day term. Start your title loan application online today and then visit a Check City store at your convenience to complete the application and get the money you need. Start Application OnlineĬheck City makes applying for a loan remarkably easy by allowing customers to start their title loan applications online. This lien will stay on the vehicle title during the entire duration of the loan, but that's it!Ĭheck City doesn't keep your vehicle during the life of the loan, Check City only uses a lien on your vehicle's title so you can keep driving your car. When you apply for a Check City Title Loan you give Check City a lien on your vehicle. Check City wants to help you get the funds you need, when you need them, in the securest and quickest form possible. Keep DrivingĬheck City doesn't want your car. This makes the loan more secure and often grants customers easier access to the funds they need. Title loans are a type of secure loan because they back the loan funds up with your vehicle title as collateral. Secure loans can help customers get better rates because they are backing up their loan with collateral.
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In general, so long as the title is free and clear we can use it to help you get the loan you need. You can use the title for cars, motorcycles, ATVs, UTVs, toy haulers, RVs, campers, snowmobiles, boats, and trailers. Check City Title Loans give customers lots of options for what titles they can use to get a loan. Loans are issued and serviced by Bank of Orrick, Member FDIC.Check City lets our customers use all kinds of titles for their title loans. Helix by Bank of Orrick is a brand of Bank of Orrick. We verify applicant information through national databases, and we may pull your credit in order to determine your eligibility and ability to repay.Īvailability of loans are subject to change at any time at the sole discretion of Bank of Orrick. You acknowledge that by completing and submitting the website application that you are applying for a loan. Bank of Orrick reviews your information in real-time to determine whether your information meets its lending criteria. We will consider these additional accounts to be part of the application process. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.Īs part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA).
If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. Our fees are disclosed in your loan agreement. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. Please note: Helix by Bank of Orrick loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. This is an expensive form of borrowing and it is not intended to be a long term financial solution.
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