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Small cash loans go with some fundamental factors which can be required to complete. The terms and conditions will be: 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: Summing up, your best option is to go with a faxless, hassle-free, no credit check direct lender.