 |
 |
 |
 |
 |
 |
 |
 |
Checkpoint One
-Signature Loans and Car Title Loans-
Making loans in Utah for over 37 years.
Headquarters
324 N Main
Tooele, UT 84074
ph: 435-882-5560
alt: 435-833-9376
324 N Main
Tooele, UT 84074
ph: 435-882-5560
alt: 435-833-9376
Customer Notice:
Signature loans and Car Title loans are
designed to be used for short-term financial
needs only, not as a long-term financial
solution. Customers with credit difficulties
should seek credit counseling.
Signature loans and Car Title loans are
designed to be used for short-term financial
needs only, not as a long-term financial
solution. Customers with credit difficulties
should seek credit counseling.
Frequently Asked Questions
I currently have a Signature loan with you, can I get another?
When you first set up your account at one of our offices, we will let you know what your credit limit is. You are welcome
to borrow up to that limit. We don't have a minimum loan amount, so you can borrow only as much as you need at a
time, and have multiple loans at the same time.
to borrow up to that limit. We don't have a minimum loan amount, so you can borrow only as much as you need at a
time, and have multiple loans at the same time.
If I make a loan with Checkpoint One and pay it off early, will I be charged less?
Yes. Checkpoint One only charges for the number of days you use on a loan. Even if you use 2 days of a 30 day loan,
you will only be charged for 2 days at the same rate the loan was written for.
you will only be charged for 2 days at the same rate the loan was written for.
Can I have a Signature loan and a title loan out at the same time?
Yes. You can have both signature and title loans out at the same time, however you will be limited to a maximum loan
amount of 50% of your gross monthly income between both loans.
amount of 50% of your gross monthly income between both loans.
Can I pay to extend my signature or title loan with a check or with my debit or credit card?
Yes. Checkpoint One does allow you to pay an extension fee for a signature or title loan with a personal check or using
your credit or debit card. We do not allow you to pay towards your principle balance using credit or debit cards though.
your credit or debit card. We do not allow you to pay towards your principle balance using credit or debit cards though.
What if I take out a Signature loan and then change my mind?
If you make a Signature loan with us and have second thoughts, you may rescind the loan at no charge to you by 5:00
PM the following day.
PM the following day.
My account was set up in your Vernal office. If I am in St. George and need a loan, will I be able to
make a loan in your St. George office?
make a loan in your St. George office?
Yes. Once you have set up an account with one of our offices, you can make a loan in any of our locations. You will
however need to inform the office where you wish to make the loan where our account was established before they can
make you a loan.
however need to inform the office where you wish to make the loan where our account was established before they can
make you a loan.
My loan comes due before my payday. Can you wait a few extra days till I get paid?
Yes. If you ever need a few extra days to come in to pay for your loan, that can be done with a simple request by phone
from you. We do charge a late fee though if you are more than 10 days late.
from you. We do charge a late fee though if you are more than 10 days late.
What do I need to get a Signature loan from Checkpoint One?
In order to get a signature loan, you must first set up an account with us. In order to be eligible to set up an account, we
have a few basic requirements:
If you wish, you may call any of our offices and we can ask you a few questions and generally tell you over the phone if
you'll be qualified to make a loan with us and how much you will be able to borrow.
have a few basic requirements:
- You need to have a full time job or some other reliable source of income such as social security or retirement
- In most cases you will need to have an active checking or savings account on a bank that has a branch in the
local area. If you don't have an active checking or savings account, we may still be able to give you a loan, but
the amount we can loan you will be limited. - You can not currently be in an active bankruptcy.
- You must live in the general area near one of our locations.
If you wish, you may call any of our offices and we can ask you a few questions and generally tell you over the phone if
you'll be qualified to make a loan with us and how much you will be able to borrow.
Do I need a checking or savings account to make a Signature loan with Checkpoint One?
In most cases you will need to have an active checking or savings account on a bank that has a branch in the local area.
If you don't have an active checking or savings account, we may still be able to give you a loan, but the amount we can
loan you will be limited.
If you don't have an active checking or savings account, we may still be able to give you a loan, but the amount we can
loan you will be limited.
Do you make loans on vehicles older than 10 years old?
will almost always be the deciding factor of how much we will be able to loan against it.Yes. Checkpoint One does not
have a cut off date for loaning on vehicles. The condition of your vehicle and its mileage
have a cut off date for loaning on vehicles. The condition of your vehicle and its mileage