6 loans like Check ‘n Go

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 emergency loans: GoDay
• Alternative for fast payday loans: iCASH
• Alternative for in-store payday lender: Cash Money

Alternative for fast pay advances: Nyble

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Nyble Credit Line

$30 – $150
Loan amount

Starting at 0%
APR

Flexible
Term

• Info
• Features
• Details

The Nyble pay advance app lets you borrow between $30 and $150 interest-free and with no credit check, making it much cheaper than Check 'n Go. Get your funds within 3 business days or pay a small fee to get it within 30 minutes.

• Your limit can increase up to $500 for repeat borrowers
• No credit check required
• More affordable than payday loans

• Membership fee of $4.99 - $7.99 per month to keep the app active
• Small loan amounts only
• Fee charged for fast money transfers

Loan amount	$30 – $150
APR	Starting at 0%
Term	Flexible
Interest Rate Type	Fixed
Fees	$4.99 - $7.99/month membership fee
Origination Fee	$2.99 - $5.99
Turnaround Time	Within 30 minutes if you pay a fee of $2.99 - $5.99 or within 3 business days if you don't want to pay a fee.

Alternative for overdraft protection: Koho

Go to site

$0 – $250
Loan amount

Starting at 0%
APR

Flexible
Term

• Info
• Pros + Cons
• Details

Get overdraft protection of up to $50 with zero interest, which can increase to up to $250 as you continue to pay a $5/month subscription fee. 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	$0 – $250
APR	Starting at 0%
Term	Flexible
Interest Rate Type	Fixed
Fees	$5/month subscription fee
Turnaround Time	Immediately
Serviced Provinces	All provinces and territories

Alternative for installment loans: LoansLoans.ca

Go to site

$500 – $1,000
Loan amount

28% – 32%
APR

3 months
Term

• Info
• Pros + Cons
• Details

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
Interest Rate Type	Fixed
Min. Credit Score	300
Fees	Late payment fee (2.66% per month), $45 NSF fee, broker fee up to $300
Origination Fee	$300
Turnaround Time	Receive funds in less than 24 hours
Serviced Provinces	All of Canada (except Manitoba)

Alternative for emergency loans: GoDay

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GoDay Payday Loan

$100 – $1,500
Loan amount

1 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Features
• Details

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 fast payday loans: iCASH

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iCASH Payday Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Features
• Details

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 in-store payday lenders: Cash Money

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Cash Money Payday Loan

$100 – $1,500
Loan amount

5 – 40 days
Loan Term

15 minutes
Min. Turnaround Time

• Info
• Features
• Details

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

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.

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.