6 Loans Like Check ‘n Go: Better Options for Fast Cash in 2026

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

But like other payday loan lenders, it isn’t up front about its APRs — which can exceed 600%. Our list of sites like Check ‘n Go offers fresh alternatives to help you save money.

6 sites like Check ‘n Go

• Alternative for freelancers: Cleo
• Alternative for personal loans: Avant
• Alternative for 0% interest cash advances: Brigit
• Alternative for building credit: OppLoans
• Alternative for a line of credit: CashNetUSA
• Alternative for instant paycheck advances: B9

Alternative for freelancers

Cleo

8.2 Great

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Cleo can save you money over Cash 'N Go, with cash advances from $20 to $250 with no required credit check or interest charged on the loan. But more importantly, Cleo appeals to freelance workers specifically by not asking for employer verification or timesheets. Advances are easier to navigate through the app with a $5.99 subscription, but you can apply through customer service for free, without one.

Cleo also allows you to take a new advance just 24-hours after paying off your previous advance. And you can reschedule your payment one time, if your finances don't allow you to pay back the money at the agreed upon time.

Loan Amount	$20 - $250
Turnaround time	3 to 4 days or instant for a fee.
Costs	$5.99 monthly membership fee to access cash advances

• Available in all states

• Why we like it

  Cleo can save you money over Cash 'N Go, with cash advances from $20 to $250 with no required credit check or interest charged on the loan. But more importantly, Cleo appeals to freelance workers specifically by not asking for employer verification or timesheets. Advances are easier to navigate through the app with a $5.99 subscription, but you can apply through customer service for free, without one.

  Cleo also allows you to take a new advance just 24-hours after paying off your previous advance. And you can reschedule your payment one time, if your finances don't allow you to pay back the money at the agreed upon time.

• Pros and cons

  Pros

  • New advance available 24 hours after payoff
  • One-time due date extension
  • Budgeting and saving tools through app
  • Build credit with Credit Builder subscription

  Cons

  • $5.99 to $14.99 monthly subscription fee
  • Non-subscribers must contact customer service to apply for cash advances
  • $3.99 express fee for same-day funding

• More details

  Loan amount	$20 to $250
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

Loan Amount	$20 - $250
Turnaround time	3 to 4 days or instant for a fee.
Costs	$5.99 monthly membership fee to access cash advances

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Alternative for personal loans

Avant personal loans

6.8 Standard

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Avant is an online lender that offers personal loans from $2,000 to $35,000. There's no minimum credit score to apply and Avant looks at factors like your income and debt repayment history when making a decision — which means even bad credit borrowers may be eligible for a loan.

Avant's APRs start at 9.95% and top out at 35.99% — much lower than Check 'n Go's. However, Avant charges an administrative fee of up to 9.99%, which gets deducted from your total loan amount. But if you qualify, a personal loan from Avant can be much cheaper than a payday loan.

Min. credit score	550
APR	9.95% to 35.99%
Loan amount	$2,000 to $35,000

• Not available in: Iowa, Kentucky, Massachusetts, Michigan, Montana, Virginia, West Virginia

• Why we like it

  Avant is an online lender that offers personal loans from $2,000 to $35,000. There's no minimum credit score to apply and Avant looks at factors like your income and debt repayment history when making a decision — which means even bad credit borrowers may be eligible for a loan.

  Avant's APRs start at 9.95% and top out at 35.99% — much lower than Check 'n Go's. However, Avant charges an administrative fee of up to 9.99%, which gets deducted from your total loan amount. But if you qualify, a personal loan from Avant can be much cheaper than a payday loan.

• Pros and cons

  Pros

  • Bad credit OK
  • Self-employed income accepted
  • Preapproval won't impact your credit

  Cons

  • Limited number of states
  • Administrative fee of 9.99%
  • Recently settled lawsuit with the FTC

• More details

  Loan amount	$2,000 to $35,000
  APR	9.95% to 35.99%
  Interest Rate Type	Fixed
  Min. credit score	550
  Turnaround Time	As soon as the next business day
  Loan Term	24 to 60 months

• Partner terms and conditions

  Personal loans from $2,000–$35,000. If approved, the actual loan amount, term, and APR that a customer qualifies for may vary based on credit determination and other factors. Avant branded credit products are issued by WebBank, member FDIC.

Min. credit score	550
APR	9.95% to 35.99%
Loan amount	$2,000 to $35,000

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Alternative for 0% interest cash advances

Brigit

8.4 Great

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Brigit is a financial app that offers up to $500 for no-interest payday cash advances. To get this service, you must sign up for Brigit's paid plan costing $8.99 to $14.99 a month. But if you have an eligible linked debit card, same-day advances are free.

While advance amounts are limited, you never pay interest on the amounts you borrow like you do with Check 'n Go. And it can help you avoid fees: Brigit has a service to monitor your bank account and send an advance automatically if you're at risk of an overdraft.

Loan Amount	$50 - $500
Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.
Costs	Brigit Plus: $8.99/month; Brigit Premium: $14.99/month

• Available in all states

• Why we like it

  Brigit is a financial app that offers up to $500 for no-interest payday cash advances. To get this service, you must sign up for Brigit's paid plan costing $8.99 to $14.99 a month. But if you have an eligible linked debit card, same-day advances are free.

  While advance amounts are limited, you never pay interest on the amounts you borrow like you do with Check 'n Go. And it can help you avoid fees: Brigit has a service to monitor your bank account and send an advance automatically if you're at risk of an overdraft.

• Pros and cons

  Pros

  • No minimum credit score required
  • Credit builder program included in monthly fee
  • Offers up to $1 million in identity theft protection

  Cons

  • $8.99 to $14.99 monthly subscription fee
  • Advances are limited to $500 per pay period
  • Cash advance amounts are based on your bank balances

• More details

  Loan amount	$50 to $500
  Loan Term	Until your next payday, but can extend
  Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.

• Partner terms and conditions

  ME: $25-$250 only

Loan Amount	$50 - $500
Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.
Costs	Brigit Plus: $8.99/month; Brigit Premium: $14.99/month

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Alternative for building credit

OppLoans Installment Loans

9.4 Excellent

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OppLoans is a highly rated direct online lender that offers short-term loans ranging from $500 to a maximum of $5,000. Borrowers with any type of credit history are welcome to apply and the minimum income required is $1,500 in most states.

OppLoans APRs run at 195%. While still high, this is lower than Check 'n Go's APRs. And if your loan is approved, you could receive your funds as soon as the next business day. You also have five days to cancel the loan if you change your mind.

Loan Amount	$500 - $5,000
APR	129% - 195% APR
Turnaround time	As soon as the same business day
Online application	Yes

• Not available in: Colorado, Connecticut, District of Columbia, Georgia, Iowa, Maryland, Massachusetts, New York, Oregon, South Dakota, Vermont, West Virginia

• Why we like it

  OppLoans is a highly rated direct online lender that offers short-term loans ranging from $500 to a maximum of $5,000. Borrowers with any type of credit history are welcome to apply and the minimum income required is $1,500 in most states.

  OppLoans APRs run at 195%. While still high, this is lower than Check 'n Go's APRs. And if your loan is approved, you could receive your funds as soon as the next business day. You also have five days to cancel the loan if you change your mind.

• Pros and cons

  Pros

  • Good customer reviews
  • Reports payments to all three major credit bureaus
  • May be able to change payment due date

  Cons

  • Terms are typically nine months
  • Minimum monthly income varies by state
  • Must receive income through direct deposit

• More details

  Loan amount	$500 - $5,000
  Interest rate type	Fixed
  APR	129% - 195% APR
  Loan Term	9 to 18 months
  Turnaround time	As soon as the same business day

• Partner terms and conditions

  The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.

Loan Amount	$500 - $5,000
APR	129% - 195% APR
Turnaround time	As soon as the same business day
Online application	Yes

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Alternative for a line of credit

CashNetUSA Loan

7.2 Great

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CashNetUSA is one of the few lenders that offers lines of credit in addition to payday and installment loans. While fees and terms vary by state, its APRs are typically between 229% to 315%, with a high of 579% in Texas. It also charges a 15% transaction fee on each draw in some states.

CashNewUSA isn't available nationwide, but you can visit its website to see state availability, loan amounts, fees and APRs at a glance. Most loan amounts are between $100 and $3,000. And while the company is up front about its costs, there are a number of complaints against it with the Better Business Bureau (BBB).

Loan Amount	$100 - $3,000
APR	229% to 325%
Turnaround time	Funding possible as soon as the same day
Online application	Yes

• Only available in: Alabama, Delaware, Idaho, Illinois, Kansas, Louisiana, Mississippi, Missouri, South Carolina, Tennessee, Texas, Utah, Wisconsin

• Why we like it

  CashNetUSA is one of the few lenders that offers lines of credit in addition to payday and installment loans. While fees and terms vary by state, its APRs are typically between 229% to 315%, with a high of 579% in Texas. It also charges a 15% transaction fee on each draw in some states.

  CashNewUSA isn't available nationwide, but you can visit its website to see state availability, loan amounts, fees and APRs at a glance. Most loan amounts are between $100 and $3,000. And while the company is up front about its costs, there are a number of complaints against it with the Better Business Bureau (BBB).

• Pros and cons

  Pros

  • Up front about costs
  • Same-day funding available
  • Coupon codes available

  Cons

  • Loan costs vary by state
  • High volume of BBB complaints
  • APRs can reach 579% in some states

• More details

  Loan amount	$100 - $3,000
  Interest rate type	Fixed
  APR	229% to 325%
  Loan Term	Varies by state
  Turnaround time	Funding possible as soon as the same day

Loan Amount	$100 - $3,000
APR	229% to 325%
Turnaround time	Funding possible as soon as the same day
Online application	Yes

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Alternative for instant advances

B9 pay advance app

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B9 is a cash advance app that offers cash advances of up to $1,000 with no extra fee for instant funding. This can be a particularly good option for nonresidents, since you can qualify with an ITIN. B9 also offers customer service in English and Spanish. However, you'll have to sign up for a membership plan to access this advance, which runs on the high side for a cash advance app. The basic plan costs $9.99 and only offers advances as high as $100.

For a $1,000 advance, you'll need to sign up for the premium plan, which runs at $19.99 per month. On top of this you must set up a direct deposit of at least $500 into a B9 checking account to use any of B9's services.

But with the premium membership you'll be eligible to receive an advance of up to 100% of your paycheck — higher than what most cash advance apps offer.

Loan Amount	$10 - $1,000
Turnaround time	Instant
Costs	Basic: $5.99/month. Premium: $19.99/month (or as little as $7.99/month if paid annually). Optional fees apply for instant external transfers (e.g., to Cash App or Venmo) — not included in membership price.

• Not available in: District of Columbia

• Why we like it

  B9 is a cash advance app that offers cash advances of up to $1,000 with no extra fee for instant funding. This can be a particularly good option for nonresidents, since you can qualify with an ITIN. B9 also offers customer service in English and Spanish. However, you'll have to sign up for a membership plan to access this advance, which runs on the high side for a cash advance app. The basic plan costs $9.99 and only offers advances as high as $100.

  For a $1,000 advance, you'll need to sign up for the premium plan, which runs at $19.99 per month. On top of this you must set up a direct deposit of at least $500 into a B9 checking account to use any of B9's services.

  But with the premium membership you'll be eligible to receive an advance of up to 100% of your paycheck — higher than what most cash advance apps offer.

• Pros and cons

  Pros

  • No fee for instant funding
  • No SSN required
  • Bilingual customer service

  Cons

  • $11.99 or $19.99 monthly fees
  • Requires direct deposit into B9 account

• More details

  Loan amount	Basic: up to $250/pay period. Premium: up to $1,000/pay period. New users typically start between $10 to $50.
  Loan Term	Not Stated
  Turnaround time	Instant

Loan Amount	$10 - $1,000
Turnaround time	Instant
Costs	Basic: $5.99/month. Premium: $19.99/month (or as little as $7.99/month if paid annually). Optional fees apply for instant external transfers (e.g., to Cash App or Venmo) — not included in membership price.

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How Check ‘n Go compares

Check ‘n Go charges high APRs which reach 600% or more, making this lender best for infrequent emergency situations only. Here are the main pros and cons of this lender.

Alternatives to payday and installment loans

While convenient, payday and installment loans may not be the best option if you’re looking to save money on interest and get out of debt.
Be aware:

• A typical $375 payday loan attracts $520 in fees due to repeat borrowing.
• The APR on a payday loan can hit over 1,000% in states with no protections against predatory short-term lenders.
• While payday loans are designed for emergency expenses, about 70% of borrowers use them to pay for everyday expenses.
• Most payday loan borrowers stay in debt for at least 11 months.

Cash advance apps don’t charge interest and personal loans may be a more affordable option to high interest payday loans. Compare the top cash advance apps and personal loan providers for bad credit to see if these alternatives can save you money.

To make sure you get accurate and helpful information, this guide has been edited by Melanie Huddart as part of our fact-checking process.

Written by

Anna Serio

Editor

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Anna Serio was a lead editor at Finder, specializing in consumer and business financing. A trusted lending expert and former certified commercial loan officer, Anna's written and edited more than 1,000 articles on Finder to help Americans strengthen their financial literacy. Her expertise and analysis on personal, student, business and car loans has been featured in publications like Business Insider, CNBC and Nasdaq, and has appeared on NBC and KADN. Anna holds an MA in Middle Eastern studies from the American University of Beirut and a BA in Creative Writing from Macaulay Honors College at Hunter College, CUNY. See full bio

Anna's expertise

Anna has written 117 Finder guides across topics including:

• Personal, business, student and car loans
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