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.
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
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
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
APR
0%
Loan amount
Up 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
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
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
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
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
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.
Brigit is a financial app that offers up to $250 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 monthly membership fee 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 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Brigit is a financial app that offers up to $250 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 monthly membership fee 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
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 membership fee monthly subscription fee
Advances are limited to $250 per pay period
Cash advance amounts are based on your bank balances
Loan amount
$50 to $250
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.
Loan amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
OppLoans is a highly rated direct online lender that offers short-term loans ranging from $500 to a maximum of $4,000. 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 - $4,000
Turnaround time
As soon as the same business day
Online application
Yes
Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, Washington, West Virginia
OppLoans is a highly rated direct online lender that offers short-term loans ranging from $500 to a maximum of $4,000. 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
Good customer reviews
Reports payments to all three major credit bureaus
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
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
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).
MoneyLion is a financial services app that offers paycheck advances of up to $500. On top of that, regular users can qualify for even more funds — as much as $700 — if they sign up for MoneyLion's Credit Builder service. Advances as large as $1,000 are also available to users who switch their direct deposits to a MoneyLion's RoarMoney account.
But like with other cash advance apps, it can take three to eight weeks to be eligible for a the full $500 advance. New users can only get an advance of up to $50 if your account shows regular direct deposits.
While the standard advance is free, MoneyLion charges a fee of up to $0.50 to $9.00 for instant funding, depending on the advance amount and whether you're using a MoneyLion account. Otherwise, you'll receive the funds within one to five business days.
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Costs
Free
Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
MoneyLion is a financial services app that offers paycheck advances of up to $500. On top of that, regular users can qualify for even more funds — as much as $700 — if they sign up for MoneyLion's Credit Builder service. Advances as large as $1,000 are also available to users who switch their direct deposits to a MoneyLion's RoarMoney account.
But like with other cash advance apps, it can take three to eight weeks to be eligible for a the full $500 advance. New users can only get an advance of up to $50 if your account shows regular direct deposits.
While the standard advance is free, MoneyLion charges a fee of up to $0.50 to $9.00 for instant funding, depending on the advance amount and whether you're using a MoneyLion account. Otherwise, you'll receive the funds within one to five business days.
Pros
High advances for a cash advance app
No fee for standard advance
Cons
$500 not immediately available
Instant advance fee up to $9
Loan amount
Up to $500 or $1,000 with RoarMoney account
Loan Term
Due by your next pay date
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
B9 is a cash advance app that offers cash advances of up to $500 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 $500 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
$30 - $500
Turnaround time
Instant
Available in all states
B9 is a cash advance app that offers cash advances of up to $500 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 $500 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.
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.
Pros
Easy application process
Same-day funding available
Bad credit is OK
Cons
More expensive than a personal loan or cash app
Mixed customer reviews
Not transparent about rates and fees
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.
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 157 Finder guides across topics including:
Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio
Kat's expertise
Kat has written 157 Finder guides across topics including:
From pay advance apps to payday loans, you have a few options to choose from.
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