Check 'n Go was founded in 1994 and serves as a payday loan lender to consumers who need cash to solve short-term financial issues. In addition to payday loans Check 'n go offers additional alternative financial services including installment loans, cash advances, prepaid debit cards, and check casing.   

Check 'n Go offers in-store payday loans in Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Utah, and Wisconsin. 

They offer online payday loan services in Alabama, California, Florida, Hawaii, Illinois, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, North Dakota, Ohio, Oklahoma, Texas, and Utah. 

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The Good

  • Easy Application Process
  • Fast Approval
  • Quick Funding

Easy Application Process

Requirements for both in-store and online loan applications include a verifiable form of income, a valid bank account number with your name on it, a valid form of identification, a working phone number, no outstanding payday loans with Check 'n Go, the ability to meet all the guidelines for your state of residence, and being at least 18 years old. The in-store application process can take a total of 15 minutes if you have everything with you.  

Fast Approval

After you have filled out your application, Check 'n Go reviews your loan for approval within minutes. After approval, you will receive the APR, loan fee, and term date, then be asked to write a post-dated check to the store for the total amount. In return, Check 'n Go will give you cash to walk out the door with. For online applications, you fill out the online form, read the documents and loan agreement, and find out if you've been approved within minutes of submission. In some cases, you may have to fax verification documents to Check 'n Go. However, qualified applicants may be eligible for a Faxless Loan option, which means being able to bypass the last step in the online loan process.  

Quick Funding

Approval of online loans take only a few minutes and the money can be deposited into your bank account, usually on the next business day. Loans submitted and finalized before 8:00pm are typically funded the next business day, while loans finalized after 8:00pm show up two business days later. Check 'n Go also counts Fridays to count towards weekdays - unlike Check City, which categorizes Friday loans as weekend applications so the funds are not available until Monday. This means that borrowers who apply with Check 'n Go on a Friday may still have access to the funds before the weekend.  

The Bad

  • Faxless Loan Applications
  • Possible Additional Fees
  • Website is Difficult to Navigate

Faxless Loan Applications

Check 'n Go offers a faxless loan application for qualified customers. The problem with this option is that people don't know if they qualify for faxless approval until after applying online. After you go through the steps of filling out the online application, the system may notify you that you are required to fax verification of a pay stub and/or bank statement from the past 30 days. If you don't have nearby access to a fax machine, you'll need to borrow one or visit a local store and pay a fee to have a fax sent on your behalf. This may create extra hassle, slow down the approval process and force you to incur extra costs.  

Possible Additional Fees

There can be fees added onto your loan for a returned or late payment, or for verification and processing expenses. Not all states allow you to sign up for an Extended Payment Plan if you can't repay your loan initially. For states that don't allow it, there is an additional $15.00 added onto your loan. If you default on your loan and you live in a state that does not allow you to sign up for an Extended Payment Plan, your loan can be sent to collections, which will have a negative impact on your credit score. 

Website is Difficult to Navigate

Check 'n Go's website is difficult to navigate and does not include details about repayment plans, payment methods or borrower rights and responsibilities. The Payday Loans FAQ page does not list any specific information about payday loans and instead directs borrowers to other FAQ pages. This will make it difficult for borrowers who are unfamiliar with payday loans to understand the process and their full commitment to terms, interest rates, fees and contracts. Want to know which payday loan company is top rated? Click Here

The Bottom Line

Check 'n Go offers multiple short-term credit services for customers in a financial jam. The application process may require applicants to fax documents, which can increase both hassle and cost to the borrower. In addition, it may slow down the time it takes to get approved and receive funds. Check 'n Go's website contains little educational information for borrowers who are unfamiliar with payday loans. However, Check 'n Go does offer somewhat lower APRs in comparison to other payday lenders and may fund loans on Fridays, which many other lenders won't do. In-store applications may be the cheaper, easier way to apply.  

Check 'n Go has a few key factors that they leave unknown. A major one is debt payoff options. This makes it difficult for customers to find the best lender for their needs. The borrower's responsibilities should be clear and visible so they can know what they are getting into. With this lack of information, it makes it difficult to recommend this company at this time. Look for payday loan companies that offer clear information about repayment terms and low interest rates.  

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User Reviews


8 Reviews

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Thomas Hullinger
August 29th, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

They gave me more money than I thought I could get and then made the payback process reasonable and I was able to get out of debt quicker.

Troy Siren
July 5th, 2018 Gilbert, AZ

Super easy and convenient for when I needed some cash in a pinch.

Susan butler
January 10th, 2017

Was given a payday loan and my payment was due 3rd Wednesday of month and they sent it in 2 weeks earlier than due date. Not once but twice. Now they have overdraft my account for 75.00. They said they would contact the district manager to call me and three weeks later I have yet to receive a call. I will never in my life time go back here or refer anyone here. Rudest people working

Hard Worker
January 24th, 2017

Applying for a loan with Check n Go was quick. But after the process and being approved. I asked about the interest rate % and the Rep couldn't tell me. Which I later found out to be 139.71% after several requests for the info from the same Rep. And was also told that they help with your credit rating. I can say that I am NOT a happy customer & will never do business with this company. After borrowing $3000 installment loan to remodel my bath. I have made 18 pymts at $3582 (no pymts missed) with $1696 to go. I am paying them back a total of $6000. So please find out about the interest rate first. And read the reviews with Consumer Affairs. They may have been in business for 22 yrs, but they are robbing hard working, honest people blind. I do believe with the way this company has been handling how they operate it puts a bad taste in the Commissioner & City officials mouth. This is why they want payday loan centers shut down. Taking advantage of customers is what it seems like they specialize in doing. They need to train the Reps to have direct info when asked any question in regards to their account or info about the company.

November 11th, 2016


Ernest Carter
September 2nd, 2016 Florissant, MO

Refinance with 2 months left on original loan !!!!! Biggest mistake i ever made!!!!!! Blood suckers !!!!!

July 6th, 2015 Katy, TX

The worst service slowest service rudest people.incompetent and filthy languages.customer service sucks.

June 4th, 2015 Murrieta, CA

I applied on 05/30/15. And I still have not received my loan. I have submitted all documents. Terrible service. Will never go here again.