Check 'n Go payday loans review March 2019 | finder.com

Check ‘n Go payday loans review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

With more than just payday loans, this lender may be able to meet your needs.

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.
  • Installment loans. You can borrow between $200 to $3,000 with an installment loan from Check ‘n Go. And if you need a little more, Check ‘n Go also offers the Choice Loan, which allows you to borrow up to $5,000.
  • 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?

Rates last updated March 25th, 2019
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$5,000
1 business day
Must have direct deposit and meet minimum income requirements
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
$2,600
1–2 days
Must have an active checking account, regular source of income and email address.
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
$10,000
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
ACE Cash Express Short-term Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see more details for your state.
$250
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.

Compare up to 4 providers

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.

  1. 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.
  2. Collect your funds. If your application is approved, money can be deposited into your bank account as soon as the next business day.
  3. 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?

Check ‘n Go has both online and store locations 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

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

4 Responses

  1. Default Gravatar
    MaryJuly 6, 2018

    I have poor credit but get social security where should I apply

    • finder Customer Care
      JoanneJuly 6, 2018Staff

      Hi Mary,

      Thanks for reaching out.

      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.

      Hope this helps,
      Joanne

  2. Default Gravatar
    RachelMay 29, 2017

    If I got approved for a loan on Sunday, but Monday was a holiday, when will I receive my funds in my account?

    • finder Customer Care
      HaroldJune 21, 2017Staff

      Hi Rachel,

      Thank you for your inquiry.

      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.

      I hope this information has helped.

      Cheers,
      Harold

Go to site