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7 loans like Check ‘n Go

Compare more lenders that offer payday and installment loans – with potentially lower APRs.

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Kellye Guinan

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Kat Aoki
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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 upfront about its APRs – which can exceed 600%. Our list of sites like Check ‘n Go offers fresh alternatives to help you save money.

7 sites like Check ‘n Go

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

Our 7 top picks for loans like Check ‘n Go

Alternative for personal loans: Avant

Avant personal loans

3.45 / 5 ★★★★★

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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 4.75%, 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.

  • Not available in: Colorado, Hawaii, Iowa, Nevada, New York, Vermont, West Virginia
Pros
  • Bad credit OK
  • Self-employed income accepted
  • Preapproval won't impact your credit
Cons
  • Limited number of states
  • Administrative fee of 4.75%
  • Recently settled lawsuit with the FTC
Loan amount$2,000 to $35,000
APR9.95% to 35.99%
Interest Rate TypeFixed
Minimum credit score580
Turnaround TimeAs soon as the next business day
Maximum Loan Term5 years
Minimum Loan Term1 year

Alternative for 0% interest cash advances: Brigit

Brigit

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Brigit is a financial app that offers up to $250 for no interest payday cash advances. To get this service, you need to sign up for Brigit's paid plan, which costs $9.99 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.

  • Available in all states
Pros
  • No minimum credit score required
  • Credit builder program included in monthly fee
  • Offers up to $1 million in identity theft protection
Cons
  • $9.99 monthly subscription fee
  • Advances are limited to $250 per pay period
  • Cash advance amounts are based on your bank balances
Loan amountUp to $250
Interest rate typeFixed
Loan TermVaries
Turnaround time1 to 3 days or same-day in some circumstances

Alternative for building credit: OppLoans

OppLoans Installment Loans

4.4 / 5 ★★★★★

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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 typically range from 59% to 160%. 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.

  • Not available in: Colorado, Connecticut, Hawaii, Illinois, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, Pennsylvania, South Dakota, Vermont, West Virginia
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
Loan amount$500 - $4,000
Interest rate typeFixed
Loan Term9 to 18 months
Turnaround time1 business day

Alternative for a line of credit: CashNetUSA

CashNetUSA Loan

3.6 / 5 ★★★★★

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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 149% to 299%, 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 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
  • Upfront 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
Loan amount$100 - $3,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

Alternative for in-store pickup: Check Into Cash

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

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Check Into Cash is a licensed payday lender that specializes in quick emergency funding. It offers in-store loans as low as $50 and in some states, as much as $1,000. You'll pay $15 to $30 per $100 borrowed, which means you're paying high APRs between 400% and 1,000%.

But the expense may be worth the convenience of being able to get cash same day. It's available in over 25 states, with over 650-plus store locations. It also offers a range of services, including cash advances, title loans, check cashing, Western Union and bill pay services.

  • 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
  • Same-day funding available
  • Borrow as little as $50
  • Positive Trustpilot ratings
Cons
  • Must be at least 21
  • APRs can exceed 400%
  • Mixed customer reviews
Loan amount$50 - $1,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

Alternative for multiple loan types: Advance America

Advance America

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Advance America offers payday loans, installment loans and title loans under one roof. While its short term loans aren't cheap – APRs can top out at over 600% — it's upfront about its fees and costs online so you know exactly what your loan is going to cost you.

Its loan amounts vary by state. To get a loan, either apply online or in person at 1,400 locations. While the company gets good customer reviews online, it's faced 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
  • Payday loans as small as $50
  • Offers online title loans in some states
  • Online calculator breaks down loan costs
Cons
  • APRs run high
  • Faced previous lawsuits
  • Not available in all states
Loan amount$50 - $1,000
Interest rate typeFixed
Loan TermVaries

Alternative for low rates: Oportun

Oportun Installment Loans

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Oportun offers installment loans to people with a thin credit history. Its loans start at $300 and top out at $12,000 – or $20,000 if you use your car title to secure the loan. Its maximum APR is 35.99% – much lower than Check n' Go's APRs.

To apply, you just need an ID, proof of income and an address. If approved, funds are available in one to three business days. Oportun reports loan repayments to Experian and Transunion, which can help build your credit. To get prequalified for a loan, visit a local branch, go online or call.

  • Only available in: Arizona, California, Florida, New Jersey, Texas
Pros
  • Bilingual support
  • No bank account required
  • All credit scores welcome
Cons
  • Only available in AZ, CA, FL, NJ, and TX
  • Repeat borrowing encouraged
  • Frequent repayments required
Loan amount$300 - $12,000
Interest rate typeFixed
Loan Term7 to 42 months

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.

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

Payday and installment loans, while convenient, 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.

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