Editor's choice: OppLoans Installment Loans
- Easy online application
- Quick approval
- Long repayment terms
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Compare sites like Check ‘n Go
8 alternatives to Check 'n Go — including lenders with physical locations.
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.
8 sites like Check ‘n Go
PROMOTED
OppLoans Installment Loans
4.4 / 5 ★★★★★
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.
- Not available in: Colorado, Connecticut, Illinois, Iowa, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Dakota, Vermont, West Virginia
Pros
- APR capped at 160%
- Reports to credit bureaus
- Upfront about costs
Cons
- No physical locations
- Strict bank account requirements
| Loan amount | $500 - $4,000 |
|---|---|
| Interest rate type | Fixed |
| Loan Term | 6 to 18 months |
| Turnaround time | 1 business day |
| Loan amount | $500 - $4,000 |
|---|---|
| Turnaround time | 1 business day |
| Online application | Yes |
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.
- Only available in: California, Louisiana, Mississippi, Missouri, Tennessee, Texas, Wisconsin
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 type | Variable |
| Loan Term | 7-30 days |
| Turnaround time | As soon as the next business day |
| Loan amount | $100 - $250 |
|---|---|
| Turnaround time | As soon as the next business day |
| Online application | Yes |
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.
- Available in: Alabama, Alaska, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
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 amount | Varies by state |
|---|---|
| Interest rate type | Fixed |
| Loan Term | Varies by state |
| Turnaround time | 1 to 2 business days |
| Loan amount | Varies by state |
|---|---|
| Turnaround time | 1 to 2 business days |
| Online application | Yes |
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.
- Available in: Alabama, Alaska, Colorado, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Wisconsin, Wyoming
Pros
- Loans as small as $50
- Offers online title loans in some states
Cons
- Faced previous lawsuits
- Not transparent about costs
| Loan amount | Up to $1,000 |
|---|---|
| Interest rate type | Fixed |
| Loan Term | Varies |
| Loan amount | Up to $1,000 |
|---|
ACE Cash Express Short-term Loans
3.6 / 5 ★★★★★
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.
- Only available in: California, Delaware, Florida, Idaho, Kansas, Louisiana, Minnesota, Missouri, New Mexico, Ohio, Texas
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 type | Fixed |
| Loan Term | Varies by state |
| Turnaround time | As fast as same business day |
| Loan amount | $100 - $5,000 |
|---|---|
| Turnaround time | As fast as same business day |
| Online application | Yes |
CashNetUSA Loan
3.6 / 5 ★★★★★
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.
- Available in: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
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 type | Fixed |
| Loan Term | Varies by state |
| Turnaround time | As fast as same business day |
| Loan amount | $100 - $1,800 |
|---|---|
| Turnaround time | As fast as same business day |
| Online application | Yes |
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%.
- Available in: Alabama, Alaska, California, Colorado, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, North Dakota, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
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 amount | Depends on state of residency |
|---|---|
| Interest rate type | Variable |
| Loan Term | Varies by state |
| Turnaround time | Same business day to 1 business days |
| Loan amount | Depends on state of residency |
|---|---|
| Turnaround time | Same business day to 1 business days |
| Online application | Yes |
CashUSA Installment Loans
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.
- Not available in: New York
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 type | Fixed |
| Loan Term | 90 days to 72 months |
| Turnaround time | As fast as same business day |
| Loan amount | $500 - $10,000 |
|---|---|
| Turnaround time | As fast as same business day |
Compare more payday loans like Check ‘n Go
Browse more providers that offer payday loans and installment loans.
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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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