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LAST UPDATED: April 17th, 2023

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: 
















New Mexico



Rhode Island





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: 













North Dakota





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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.  

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Eddie Rios Ogden, UT

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.

3 years ago