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Compare sites like Check ‘n Go

8 alternatives to Check 'n Go — including lenders with physical locations.

Editor's choice: Fast5kLoans Short-term Loans Connection Service

Fast5kLoans Short-term Loans Connection Service logo
  • Wide range of loan amounts
  • Variety of loan terms
  • Quick process
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Check ‘n Go is an established lender that offers payday loans and installment loans. It allows you to apply online or at one of its store locations, and if approved, you could have your funds the same day.

But like many lenders, it isn’t upfront about its costs. These lenders offer similar services, including their own pros and cons if you’re thinking about borrowing.

OppLoans Installment Loans

4.4 / 5 ★★★★★

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on OppLoans's secure site
OppLoans may only offer installment loans, but it has some of the most competitive interest rates on the market, ranging from 59% to 160%. But it doesn't have physical locations like Check 'n Go, so if you want in-person service, it won't be your best bet. Important: Opploans is NOT available in AS, AR, CA, CO, CT, IL, IA, MD, MA, NH, NJ, NY, NC, ND, PA, VT, VA, WV
Pros
  • APR capped at 160%
  • Reports to credit bureaus
  • Upfront about costs
Cons
  • No physical locations
  • Strict bank account requirements
Loan amount$500 - $5,000
Interest rate typeFixed
Loan Term9 to 24 months
Turnaround time1 business day

LendUp Payday Loans

LendUp built itself on helping borrowers improve their credit scores and giving access to better terms. But its limited state availability can be a problem — and not every state offers credit reporting. Still, its small loans make it a decent choice if you only need to cover a small expense.
Pros
  • Reports to credit bureaus
  • Better terms for repeat borrowers
  • Credit education resources
Cons
  • Small maximum loan amount of $250
  • May not report to credit bureaus
  • Potential APR of more than 1,000%
Loan amount$100 - $250
Interest rate typeVariable
Loan Term7-30 days
Turnaround timeAs soon as the next business day

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

Check Into Cash offers both payday loans and installment loans — and it's a good choice if you want an alternative to Check 'n Go. It receives plenty of positive ratings on Trustpilot, and it's relatively upfront about its costs. But you'll need to be at least 21 to borrow.
Pros
  • Loans as small as $50
  • Same-day funding available
  • Positive Trustpilot ratings
Cons
  • APR can run over 300%
  • Must be at least 21
Loan amountVaries by state
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

Advance America

Advance America offers payday loans, installment loans and title loans. All have relatively competitive interest rates — and you may be able to borrow as little as $50 in some states. But it's not transparent about costs and has faced some lawsuits in the past.
Pros
  • Loans as small as $50
  • Offers online title loans in some states
Cons
  • Faced previous lawsuits
  • Not transparent about costs
Loan amountUp to $1,000
Interest rate typeFixed
Loan TermVaries

ACE Cash Express Short-term Loans

3.6 / 5 ★★★★★

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on ACE Cash Express's secure site
ACE Cash Express has over 950 store locations, which allows you to apply online and pick up your cash the same day. Like Check 'n Go, it also offers prepaid debit cards. But it isn't upfront about its costs and has received quite a few complaints on its BBB page.
Pros
  • 72-hour return period
  • Same-day funding available
  • Prepaid debit cards offered
Cons
  • High volume of BBB complaints
  • Not transparent about costs
Loan amount$100 - $5,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

CashNetUSA Loan

3.6 / 5 ★★★★★

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on CashNetUSA's secure site
CashNetUSA is one of the few lenders that offers lines of credit in addition to payday loans and installment loans. But availability varies by state. And while it's upfront about its costs, there are a number of BBB complaints against it.
Pros
  • Same-day funding available
  • Upfront about costs
  • Coupon codes available
Cons
  • High volume of BBB complaints
  • APRs of over 200%
Loan amount$100 - $1,800
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

Check City Payday Loan

4.3 / 5 ★★★★★

Like Check 'n Go, Check City has storefront locations and offers both payday and installment loans. However, it only has stores in four states — which means same-day funding and other services are limited. Fortunately, depending on your state and exact loan terms, you could see interest rates as low as 150%.
Pros
  • Upfront about costs
  • Can apply over the phone
  • Transparent about licensing and state laws
Cons
  • APR typically over 200%
  • In-store financing only in four states
Loan amountDepends on state of residency
Interest rate typeVariable
Loan TermVaries by state
Turnaround timeSame business day to 1 business days

CashUSA Installment Loans

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on CashUSA.com's secure site
Unlike Check 'n Go, CashUSA is a connection service that works with borrowers with bad credit. The lenders in its network won't charge you an interest rate over 35.99%. But your information could be used for marketing — and there's no guarantee you'll be connected.
Pros
  • APR capped at 35.99%
  • Loans up to $10,000
Cons
  • Monthly income of at least $1,000 required
  • Shortest term is 90 days
Loan amount$500 - $10,000
Interest rate typeFixed
Loan Term90 days to 72 months
Turnaround timeAs fast as same business day

Compare more payday loans like Check ‘n Go

Browse more providers that offer payday loans and installment loans.

Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
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.
LendYou Short-term Loans
$100 to $2,500
Same business day to 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.
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Compare up to 4 providers

How does Check ‘n Go compare?

To get the full scope of it, read our Check ‘n Go review. To get you started, here are some of Check ‘n Go’s main benefits and drawbacks:

Pros

  • Prepaid debit cards offered
  • Online and in-store loans
  • Same-day funding available

Cons

  • Low maximum loan amount of $1,500
  • High volume of complaints on BBB page
  • Not upfront about costs

Not sure about any of the providers we’ve talked about? Check out our full guide to payday loans.

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