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Check ‘n Go payday loans review

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Check 'n Go Payday Loans
Min. Amount
Max. Amount
Turnaround time
As soon as the same day


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.


  • Easy application process
  • Quick access to funds
  • Use funds for any purpose
  • Bad credit is OK

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question


Product details

Product Name Check 'n Go Payday Loans
Min. Amount $100
Max. Amount $1,500
Loan Term Varies upon state
Loan Security Unsecured
Turnaround Time As soon as the same day
Costs Depends on state law
Requirements You must be 18, a permanent resident, have an active checking account and a regular source of income

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.

Compare alternatives to Check ‘n Go

Choose your state of residence to see the providers in your area. Explore your options by loan amount, turnaround time or requirements. Select the Go to site button for more information about a particular provider.

Name Product Filter Values Loan amount Turnaround time Requirements
Finder Score: 4.7 / 5: ★★★★★
Up to $750 per pay period, but only $100 per day
1 to 3 business days or instant for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Chime SpotMe®
Finder Score: 4.2 / 5: ★★★★★
Chime SpotMe®
Up to $200
Qualifying $200 direct deposits into Chime checking account each month. Chime debit or Credit Builder card.
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Finder Score: 4.1 / 5: ★★★★★
Up to $250
3 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Not rated yet
Based on the amount of accrued PTO
Up to 5 business days for approval and 5 business days for funding, or instant for a fee
18 years of age, W-2 employee, US citizen or permanent resident, employer must carry over PTO and payout upon termination
Tap your unused PTO for a cash advance so you can access that money early. Available in : CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Up to 3 business days or instant for a fee
At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.
Finder Score: 4.2 / 5: ★★★★★
$50 to $250
2 to 3 business days or instant with a Premium subscription or for a fee.
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $8.99 membership fee.
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
Go to site

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?

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?

Funds are usually deposited into your bank account on the next business day. Though it ultimately depends on your bank.
Repayments depend 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?

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June 21, 2019

How long does it take to get approved


Bella Finder

June 23, 2019

Hi Kaela,

Thanks for your inquiry.

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.

I hope this helps.

Kind regards,


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April 23, 2019

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?


Jhez Finder

April 23, 2019

Hello Jammenica,

Thank you for your comment.

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.



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July 06, 2018

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


Joanne Finder

July 06, 2018

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,


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May 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?


haroldjacob Finder

June 21, 2017

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.



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