Finder makes money from featured partners, but editorial opinions are our own.

6 loans like Check ‘n Go

Compare Canadian lenders similar to Check ‘n Go that offer pay advance, payday or installment loans.

Promoted

Bree Early Pay

Bree Early Pay logo
  • Access up to $250
  • No interest or required fees
  • No credit check required
Go to site

Check ‘n Go is an established, US-based lender that offers payday and installment loans. US residents can apply online or in person and if approved, could have the funds the same day.

But like other payday loan lenders, its APRs can exceed 500%. Our list of sites like Check ‘n Go offers Canadian alternatives with features like Interac e-Transfer, fast loan turnarounds, potentially lower fees and automated, online applications.

Is Check ‘n Go in Canada?

No, Check ‘n Go is not available in Canada. In order to apply for a Check ‘n Go loan, customers need to provide a valid US Government-issued photo ID and possibly a Social Security number, which means Canadians won’t be able to apply.

6 loans like Check ‘n Go in Canada

Check out these 6 Check ‘n Go alternatives you can apply for in Canada.

  • Alternative for fast pay advance: Nyble
  • Alternative for overdraft protection: KOHO
  • Alternative for installment loans: LoansLoans.ca
  • Alternative for fast payday loans: iCash
  • Alternative for emergency loans: GoDay
  • Alternative for in-store payday lender: Cash Money

Alternative for fast pay advances: Nyble

Nyble Credit Line
Not yet rated
Go to site Read review

Nyble Credit Line

$30 – $150
Loan amount
Starting at 0%
APR
30 days, extendable
Term
Apply online for an interest-free line of credit of up to $150 to cover small expenses and build your credit. Get funds in 1-3 business days with a free account. For $11.99 per month, get access to premium services, including funding in 1-30 minutes, a free Equifax credit report and identity theft protection.
  • No credit check required
  • No application fee
  • No late payment fee
  • More affordable than payday loans
  • $11.99 per month for fast transfers, full credit report and other premium perks
  • Small loan amounts only
Loan amount $30 – $150
APR Starting at 0%
Term 30 days, extendable
Fees No interest or fees to access credit line, optional $11.99/month membership to get premium services such as instant funding
Turnaround time 1-30 minutes with a paid membership or 1-3 business days with a free membership.

Alternative for overdraft protection: Koho

KOHO Cover
Not yet rated
Go to site
$20 – $250
Loan amount
Starting at 0%
APR
Flexible
Term
Get a zero-interest cash advance ranging from $20 to $250 when you pay a subscription fee starting at $2/month. You'll need a KOHO account to access this service.
  • No late fees
  • 0% interest
  • No impact on credit score
  • Free financial coaching service
  • KOHO savings account required
Loan amount $20 – $250
APR Starting at 0%
Term Flexible
Fees subscription fee starting at $2/month
Turnaround time Immediately
Serviced provinces All provinces and territories

Alternative for installment loans: LoansLoans.ca

LoansLoans.ca Installment Loan
Finder Score:
★★★★★
Go to site
$500 – $1,000
Loan amount
28% – 32%
APR
3 months
Term
Like Check 'n Go, LoansLoans.ca offers fast installment loans, but with no credit check. NCR Financial, the company that operates LoansLoans.ca, has been in business for over 15 years and is registered in Quebec.
  • Apply online and get approval within one hour
  • Interest rates can reach as high as 32%
  • Services: All of Canada (except Manitoba)
  • Small loan amounts between $500 and $1,000
  • The broker fee can be as high as $300
Loan amount $500 – $1,000
APR 28% – 32%
Term 3 months
Min. credit score 300
Fees Late payment fee (2.66% per month), $45 NSF fee, broker fee
Origination fee $300
Turnaround time Receive funds in less than 24 hours
Serviced provinces All of Canada (except Manitoba)
⚠️ Warning: Be cautious with payday loans
High-cost payday loans are unsustainable for borrowing over a continued period of time and are expensive as a means of longer-term borrowing. View payday costs and regulations by province here. If you're experiencing financial hardship call Credit Counselling Canada for free financial counselling (Monday-Friday 8:00am-5:00pm at +1 866-398-5999). You may also want to consider payday loan alternatives.

Alternative for fast payday loans: iCash

iCash Payday Loan

$100 – $1,500
Loan amount
7 – 62 days
Loan Term
2 minutes
Min. Turnaround Time
iCash provides quick payday loans, similar to what Check 'n Go offers, while accepting non-employment income. You can get e-Transfer funding in as little as 2 minutes after approval.
  • 4.7/5 stars based on over 2,300 Trustpilot reviews
  • Get money within an hour
  • Get funded 24/7
  • Payday loans are expensive
  • Short repayment terms
  • Only available in AB, BC, MB, NB, NS, ON, PEI
Loan amount $100 – $1,500
APR Varies by province
Term 7 - 62 days
Min. Turnaround time As little as 2 minutes with INTERAC e-Transfer®
How to apply Online
In Store
Credit Check Yes

Alternative for emergency loans: GoDay

GoDay Payday Loan

$100 – $1,500
Loan amount
1 – 62 days
Loan Term
2 minutes
Min. Turnaround Time
GoDay offers payday loans you can apply for and get approved for within minutes. Once approved, loan funds can be transferred within minutes. Like Check 'n Go, GoDay offers payday loans, allowing you to borrow up to $1,500 between paycheques.
  • 4.5/5 stars based on over 2,400 Trustpilot reviews
  • Get loan funds via e-transfer
  • Apply and get funding 24/7
  • Very expensive APR
  • Can easily trap customers in a cycle of debt
  • Only available in AB, BC, MB, NB, NS, ON, PEI, SK
Loan amount $100 – $1,500
APR Varies by province
Term Up to 62 days
Min. Turnaround time As little as 2 minutes with INTERAC e-Transfer®
How to apply Online
In Store
Credit Check Yes

Alternative for in-store payday lenders: Cash Money

Cash Money Payday Loan

$100 – $1,500
Loan amount
5 – 40 days
Loan Term
15 minutes
Min. Turnaround Time
Through its payday loans, Cash Money offers similar loan amounts and interest rates compared to Check 'n Go. Get instant approval and funding in as little as 15 minutes when you apply with Cash Money.
  • Instant decisions
  • Fast access to funds
  • Established lender with A+ Better Business Bureau rating
  • Not available in all provinces
  • High cost of borrowing
Loan amount $100 – $1,500
APR Varies by province
Term 5 - 40 days
Min. Turnaround time As little as 15 minutes with INTERAC e-Transfer®
How to apply Online
In Store
Credit Check Yes
Maximum borrowing costs of payday loans per province
Always refer to your contract for exact repayment amounts and costs.
Province Max. cost of borrowing a $100 payday loan Cooling off period to cancel loan Max. penalty for returned cheque or pre-authorized debit
Alberta $15 2 business days $25
British Columbia $15 2 business days $20
Manitoba $17 48 hours excluding Sundays and holidays $20
New Brunswick $15 48 hours excluding Sundays and holidays $20
Newfoundland and Labrador $14 2 business days $20
Nova Scotia $15 Next business day (2 days for online loans) $40 (default penalty)
Ontario $15 2 business days $25
Prince Edward Island $15 2 business days N/A
Quebec Limit of 35% AIR N/A N/A
Saskatchewan $17 Next business day $25

How Check ‘n Go compares

Check ‘n Go charges high APRs which can reach 500% or more, making this and other lenders that offer payday loans best used only for infrequent emergency situations. Here are Check ‘n Go’s main pros and cons.

Pros

  • Easy application process
  • Same-day funding available
  • Bad credit is OK

Cons

  • More expensive than a personal loan or pay advance app
  • Mixed customer reviews

You can see how other top payday loan providers compare to Check ‘n Go in our full guide to the best payday loans in Canada here. Or, you can explore cheaper, smaller loan options by checking out our guide to pay advances.

How to decide which Check ‘n Go alternative is right for you

Because Check ‘n Go isn’t available in Canada, it’s important to decide which Canadian alternative lender is the right fit for your needs. Firstly, you’ll need to decide what type of loan to apply for based on how much money you need.

If you only need a small loan to tie you over until the next payday, a 0% interest pay advance from an app like Nyble might be your cheapest option. If you need to borrow a larger amount and you have bad credit, consider an installment loan from a lender like LoansLoans.ca.

Because they’re one of the most expensive loan options on the market, and can easily trap borrowers in a cycle of debt, it’s usually best to only use payday loans as a last resort. If you do opt for a payday loan, consider reputable lenders like GoDay and iCash, which offer online applications for up to $1,500 with funding turnaround within minutes of applying.

More guides on Finder

Ask a Question

You must be logged in to post a comment.

Go to site