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Aliyyah Camp is a publisher helping folks compare personal, student, car and business loans. Prior to joining Finder, she ran her own personal finance blog and wrote for numerous finance sites. Aliyyah earned a BA in communication from the University of Pennsylvania. She regularly attends industry conferences to stay in the know about market changes that can affect consumers. When she's not helping people with their personal finances, you can find her at the movies or going for a run outdoors.
If you’re considering a payday loan for an unexpected bill or emergency, Check ‘n Go might be a way to get the money you need quickly. It has a number of short-term services, but with high costs and mixed reviews, it pays to compare your options before you decide.
What is Check ‘n Go?
Check ‘n Go is a short-term lender that offers a number of services, including:
Payday loans. Check ‘n Go offers payday loans and cash advances. The exact amount you can borrow and the fees Check ‘n Go charges depend on your state’s laws.
Prepaid debit cards. If you need more flexibility with your loan, Check ‘n Go also offers prepaid debit cards through Mastercard. Like payday loans and cash advances, the amount you qualify for will depend on your state and financial situation.
Not all services are available in every state. Confirm Check ‘n Go offers the option you’re looking for before you apply.
How do Check ‘n Go loans compare?
Updated September 15th, 2019
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What are the benefits of taking out a payday loan with Check ‘n Go?
Easy application process. You can submit an online application in a matter of minutes or apply at a Check ‘n Go store.
Quick access to funds. If you apply at a storefront, you can have your money within a few hours after approval. If you apply online, funds are typically transferred into your bank account as soon as the next business day.
Use funds for any purpose. As long as you use the money for legitimate purposes, you are free to spend it any way you want.
Bad credit is OK. You can apply for a Check ‘n Go payday loan even if you have bad credit. What matters most is your ability to repay.
What to watch out for
Mixed reviews. Although its Trustpilot rating is high, borrowers on the Better Business Bureau (BBB) website have filed a number of complaints.
High costs. Check ‘n Go is generally upfront about its prices, but that doesn’t mean it’s cheap. All short-term loan options come with expensive fees that can make them hard to afford, and Check ‘n Go is no exception.
Not available in every state. Although Check ‘n Go services multiple states, not every option will be available. Check its website to be sure you’re able to borrow the type of loan you’re looking for. Otherwise, consider your other options.
Beware of possible scams
Although Check ‘n Go is a legit short-term loan company, that doesn’t mean every offer you get is legit. Some scammers have been sending out faked offers in order to get borrowers’ personal information.
These scams ask for payment before a loan can be disbursed. This is a classic tactic. No real company, including Check ‘n Go, will ever ask for you to pay them. Instead, it will have an origination and application fee that is paid after you get your loan.
If a lender tries to get you to pay it before you’ve gotten your funds, cease contact and report it to your local authorities.
Is it safe to apply with Check ‘n Go?
Yes. Check ‘n Go is not only a founding member of the Community Financial Services Association (CFSA), but it also has a secure website with industry-standard encryption to keep your personal information safe.
You can easily view its in-store and online privacy policies to see how your information is used and how you can limited certain types of sharing. And if you have any questions, Check ‘n Go has a customer service line you can call to be sure you’ll be protected when you apply.
What does the Internet say about Check ‘n Go?
Check ‘n Go has a generally positive rating. On Trustpilot, over 80% of its reviews rate it as “excellent,” with many former borrowers stating that is has good customer service and quick turnaround – two points Check ‘n Go prides itself on.
On the Better Business Bureau (BBB) website, it doesn’t fare quite as well. While it has an A+ rating, it isn’t accredited and has almost 200 complaints. Its reviews are also limited. There are only a handful, and the majority are from 2017.
Even with good ratings, it’s important to visit a branch or call customer service before you borrow. This way, you can gauge how it treats its borrowers and determine if your branch is one you want to do business with.
Am I eligible?
Check ‘n Go requires that its borrowers meet the some basic eligibility criteria:
You must have an active bank account
You must have a regular source of income
You must be a US citizen or permanent resident
You must be at least 18 years old (varies by state)
How do I apply?
When you’re ready to fill out Check ‘n Go’s application, you’ll need to provide the following information about yourself:
Your name and contact details
Details from a valid form of ID
Proof of income
Your checking account details
Once you have this information, the application process is three simple steps.
Apply. The online application only takes a few minutes to complete, and you won’t have to worry about faxing documents if you qualify for the faxless option.
Collect your funds. If your application is approved, money can be deposited into your bank account as soon as the next business day.
Repay. On your next payday, the loan amount and financing fees will be electronically withdrawn from your bank account.
Where is Check ‘n Go available?
You can find Check ‘n Go stores in the following states, but not every product will be offered. Before you apply, make sure that the product you want is available in your state.
Alabama
California
Delaware
Florida
Hawaii
Idaho
Illinois
Indiana
Kansas
Kentucky
Maine
Michigan
Mississippi
Missouri
Nebraska
Nevada
New Mexico
North Dakota
Ohio
Oklahoma
Rhode Island
South Carolina
Tennessee
Texas
Utah
Wisconsin
Wyoming
I go the loan. Now what?
It depends on your state and how much you want to borrow. In general, a payday loan through Check ‘n Go works like any other – you repay both the principal (the amount you borrow) and all the associated costs (interest and financing fees).
Because fees vary from state to state, you’ll need to select yours drop-down menu on Check ‘n Go’s website to learn about the fees for your payday loan and the maximum amount you can borrow.
In accordance with state laws, other fees and charges may also apply, such rollover fees and collection fees. If you default, you may have to pay court fees and attorney costs.
Bottom line
Check ‘n Go has been around since 1994 and is an established name in the short-term lending industry. While it might not have the lowest costs out there, it does make information about fees easily available.
Still, you should compare your short-term loan options before you make a final decision. This way, you’ll know exactly what you’ll qualify for and be able to find the best lender for your needs. If Check ‘n Go isn’t the right lender for you, compare other short-term loans like Check ‘n Go for alternatives.
Are payday loans available in my state?
Frequently asked questions
A payday loan is a short-term personal loan (typically $500 or less) that usually must be repaid within two weeks to a month. The repayment date is determined by your pay schedule. Because payday loans come with steep finance charges, it isn’t a long-term solution, but a temporary fix to an unexpected financial situation. Rules and regulations for payday loans vary from state to state.
If you apply online, Check ‘n Go will withdraw the funds from your bank account on the due date. If you apply in-store, you’ll have to provide a post-dated check at the time of application. You can repay the loan ahead of time by paying cash at a Check ‘n Go in return for the post-dated check, but keep in mind they may charge prepayment fees.
It depends on the laws of your state.
Yes. You will be charged a financing fee for taking out a payday loan.
Yes. You can use your Social Security benefits or disability payments as acceptable sources of income in your payday application.
Funds are usually deposited into your bank account on the next business day. It ultimately depends on your bank.
Check ‘n Go requires applicants to have operational checking or savings accounts so it can transfer funds electronically.
While not all lenders report to the big three credit agencies that handle credit, some might choose to report late or missing payments. This is at the discretion of the lender.
The best solution is to contact your loan provider and inform them. Usually, the lender will be willing to extend the payment deadline and find ways to help you through difficult financial times.
If they’re able to verify your account and originate your loan before 8:00 pm (E.T) you will be scheduled to receive your funds the following banking business day. Please note that Check ‘n Go is unable to process loans on days when banks are closed.
What if somebody stole your bank account number and PIN, and you get a new account with a new PIN, do they go behind your back and take your money without your permission?
Yes, if someone has your bank account details and PIN, it’s possible that this person can withdraw your money without your permission. So it’s best that you contact your bank for security purposes and let them know about someone that possibly has your PIN, so they can help you change your security PIN. You can also change your PIN by going to the ATM or doing an online banking.
For this lender, you can use your Social Security benefits or disability payments as acceptable sources of income in your payday loan application. Also, you can apply for a Check ‘n Go payday loan even if you have bad credit. What matters most is your ability to repay. To get additional details on the eligibility requirements, please review the lender’s criteria discussed on this page above.
This page will allow you to compare options with other lenders. Just enter the state you’re in and click on the blue “show me my options” button.
Regarding this matter, it would be nice to coordinate directly with your lender to clarify the information. They have the direct access with your account to check the necessary information.
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