Home Page Apply Now! How It Works About Us Frequently Asked Questions Contact Us Affiliates Fee Schedule
 Yes     No
     Have you been at your current job for at least 90 days?
     Do you have a current checking or savings account for at least 90 days?
     Do you earn at least $800 per month?
First Name   Last Name   Email

How It Works


How a Reality Check Loans Cash Advance Works
Reality Check Loans makes the lending process as simple as possible for our clients. In order to receive your payday loan (also referred to as a pay day loan or cash advance) all you need to do is:
  • Read and complete our online application form (remember, there's never an application fee). It’s important that you answer each required question accurately to expedite the approval process.
  • Your loan representative may contact you within a few minutes to confirm your details and complete the processing of your application.
  • Once approved, your payday loan is directly deposited into your bank account within one business day. Loans issued Monday-Thursday may arrive within 24 hours while loans issued Friday-Sunday will arrive the next business day.
  • On your due date, the loan amount plus the loan fee will be automatically withdrawn from your account.
Requirements For A Payday Loan
Qualifying is easy. There are no credit checks and you just need to meet the following minimum requirements:
  • Currently have a job (or receive regular income)
  • Make at least $1500 per month
  • Are 18 years of age or older and a U.S. citizen Have a checking account
  • Other requirements may apply
  • Even bankruptcy, bounced-checks, charge-offs and other credit problems don’t prevent you from receiving the cash advance you need.
Payment Options
There are three payment options available for you:
  1. You may pay the payday loan in full on the maturity date listed in your loan agreement.
  2. You may pay the finance fee and a portion of the principle on or before the maturity date.
  3. You may pay only the finance fee on the maturity date.
Under Utah law, your loan may not be rolled over beyond twelve (12) weeks after the day on which the deferred deposit loan is executed

Apply Now!
Applying and qualifying for your payday loan is fast and easy. Select the Apply Now option, follow the required steps, and you’ll have cash in your account overnight.