error This company may not service all states.

Check 'n Go was founded in 1994 and serves as a payday loan lender to consumers with bad credit who need immediate cash to solve short-term personal finance problems. 

In addition to payday loans (also known as cash advances), Check 'n go offers additional alternative financial services including the following: 

  • Installment loans, also known as personal loans
  • Prepaid debit cardsCheck cashing

In the short-term lending industry minimum and maximum loan amounts, rates, and terms are different for each state. 

Payday and installment loan lenders are strictly regulated, and each state has its own rules. 

Check 'n Go offers in-store short-term loan service in more than 20 states: 

Alabama

California

Delaware

Florida

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Michigan

Mississippi

Missouri

Nebraska

Nevada

New Mexico

Ohio

Oklahoma

Rhode Island

Tennessee

Texas

Utah 

Wisconsin

Many customers also have the option of applying for a loan online. Depending on local laws, either online payday loans or online installment loans are available in the following states: 

Alabama

California

Florida

Hawaii

Illinois

Indiana

Kansas

Maine

Michigan

Mississippi

Missouri

Nevada

North Dakota

Ohio

Oklahoma

Texas

Utah

View Best Payday Loans

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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
  • at least 18 years old 

The in-store application process can take a consumer a total of 15 minutes if they have everything they need to apply.  

Fast Approval

After consumers have filled out their payday loan application, Check 'n Go reviews it for approval within minutes. 

After approval, customers will receive the APR, loan fee, and term date, then be asked to write a post-dated check to the store for the total money amount. In return, Check 'n Go will give customers cash to walk out the door with. 

In states where they are allowed to apply online, a customer can fill out the online form, read the documents and loan agreement, and find out if they are approved within minutes of submission. 

In some cases, customers 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 takes only a few minutes and the money can be deposited into a customer's checking account, usually by the next business day.

Loans submitted and finalized before 8:00 pm are typically funded the next business day, while loans finalized after 8:00 pm show up two business days later. 

Check 'n Go also counts Fridays towards weekdays — unlike payday lender Check City, which categorizes Friday loans as weekend applications so the funds are not available until Monday. 

This means that borrowers who apply for a short-term loan 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 a customer won't know if they qualify for faxless approval until after applying online. 

After customers go through the steps of filling out the online application, the system may notify them,that they are required to fax verification of a pay stub and/or bank statement from the past 30 days. 

Borrowers who don't have nearby access to a fax machine will need to borrow one or visit a local store and pay a transaction fee to have a fax sent on their behalf. 

This process can create extra hassle, slow down the approval process, and force borrowers to incur extra costs. 

Possible Additional Fees

There can be fees added onto the customer's loan for returned or late payments, or for verification and processing expenses. 

Not all states allow consumers to sign up for an Extended Payment Plan if they can't repay their loan initially. 

For states that don't allow it, there is an additional $15.00 added to the loan. 

If the customer defaults on their loan and they live in a state that does not allow them to sign up for an Extended Payment Plan, their loan can be sent to collections if they fail to make payments, which will ultimately have a negative impact on their credit score and appear on their credit report. 

Website is Difficult to Navigate

Check 'n Go's website is difficult to navigate and does not include details about lender 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 makes 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. 

The Bottom Line

Check 'n Go offers multiple short-term loan credit services for customers in a financial jam. 

The lender's 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 fulfill money orders on Fridays, which many other lenders won't do. In-store applications may be the cheaper, easier way to apply.  

Check 'n Go leaves a few key questions unanswered. A major one is debt pay-off options. This makes it difficult for customers to find the best lender for their needs. 

The consumer's personal finance responsibilities should be clear and visible so they can know what they are getting into before they borrow. 

This lack of information makes it difficult to recommend this payday loan service provider at this time. We suggest that you look for payday loan companies that offer clear information about repayment terms and low interest rates.  

View Best Payday Loans

User Reviews

Star Rating

1.7
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14 Reviews

Review Breakdown

5 star
7%
4 star
14%
3 star
0%
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1 star
79%

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Jeri M

June 25th, 2020 El Cajon, CA DETAILS arrow_drop_down
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I recently lost my job due to Covid and they are unwilling to work with me on payments. I even offered to split my payments up into two for the month and still unwilling to work with me.

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Eddie Rios

February 13th, 2020 Ogden, UT DETAILS arrow_drop_down
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Check 'n Go has helped us in the past with great rates, easy loan terms and friendly staff. They certainly help in an emergency. The can be trusted to solve many financial issues with good loans.

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Vudunurse

September 20th, 2019 Cincinnati, OH DETAILS arrow_drop_down
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I needed to borrow 200.00 dollars for 7 days. The employee was very personable until I asked about the interest rates. She pushed me to sign paperwork until I absolutely insisted on clarification. When I called, before going to the location, I was told interest rates were lowered from what they used to be...in the state of Ohio, which sounded good. However, the employee stated she could not discuss loan terms until I came in. But it turned out to be too good to be true. The actual interest rate was identified as being under 26% BUT the HOOK was you have to pay $150 for a credit line that is opened and stays open for a year, plus $10 for a credit report. So then I understood why a rush to sign paperwork before talking about the actual cost of credit. RIDICULOUS! I looked at the employee and courteously told her she could have saved wasted time had she been forthcoming. Its no deal, even though they offer to take the $150 out monthly over a year. The personable employee now had the look of SATAN! I refused the loan and walked out. Borrower beware!

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Deejones33

September 6th, 2019 Modesto, CA

I was approved for an installment loan online and was told it would take the next day for it to be credited into my account. However I waited 5 days to call them just to find out i wasn't approved. Although I had already signed an agreement and had my payment days set up to pay back weekly. They gave me no reason why I was denied after being approved. If I could give them a 0 I would. Not worth it.

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Katie

August 20th, 2019 Katy, TX

Got approved online, went into store and gave them the requested info:check stub, bank statement, references, ID and pick up the cash like the email confirmation said to do. Then store manager says, we cannot give you the cash. No explanation given, even though I asked why. Then customer service numbers did not even have any record of my application. Next I was informed it was the stores responsibility to inform me of why I was not approved. Called the store back and manager says we cannot tell you why. Then I tried to log into the account I have online for this place, and all of a sudden, it says "error." And will not open any page or my profile, but the home page website is still running fine. I believe I was approved, and the manager is taking the cash for himself and I will have a bad mark on my credit for this place later on. If I was approved online, I should have been able to walk in and get the cash- easy. But that was not the case. They played me big time. Either he took the money for himself and is walking around town with my thousand bucks, or he stole my identification and is going to use it elsewhere. I am extremely disappointed and fuming after this incident. They have to be a scam.

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Tina

June 19th, 2019 Hartsville, SC DETAILS arrow_drop_down
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Ive had the hardest time when it came to paying them off it's like they was trying to hold my account longer I will never use them again the location is in Darlington sc and one of the young ladies was rude

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Thomas Hullinger

August 29th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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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.

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Troy Siren

July 4th, 2018 Gilbert, AZ

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

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Susan butler

January 8th, 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

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Hard Worker

December 15th, 2016

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.

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MERRY

October 12th, 2016

WORST COMPANY EVER. EVEN A "0" IS TO MUCH TO GIVE THEM. IF I COULD GIVE THEM A NEGATIVE I WOULD.

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Ernest Carter

September 2nd, 2016 Florissant, MO

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

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Raymond

July 3rd, 2015 Katy, TX

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

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tasha

June 3rd, 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.

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