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Check 'n Go is a direct payday loan lender. As well as online and store payday loans, Check ‘n Go also offers cash advances, installment loans, check cashing, and prepaid cards. This review will focus on the rates and terms of Check ‘n Go’s payday loans.
Check 'n Go has its headquarters in Cincinnati, Ohio, and has an A+ rating with the BBB.

How Does Check 'n Go Work?

Borrowers can apply for payday loans online or visit one of Check ‘n Go’s stores. In both cases, borrowers must complete an application form and provide documentation as evidence. If you apply online, it will take 24 hours to process and, at least, one business day for the funds to be deposited. Applications are not processed on Saturday or Sunday. Therefore, if you apply for an online loan on Saturday, the cash will not arrive in your bank account until Tuesday.

What Are Check 'n Go’s Interest Rates?

Check ‘n Go charges a fixed finance charge for every payday loan or cash advance it provides, regardless of the length of the term. Equivalent APR rates for these finance charges ranges from 285.16% to 1,520.83%. Fees vary from state to state. For instance, in Utah, a $500 payday loan has a $125 finance charge whether you repay the loan within six days or 32 days. If you repay the $500 payday loan within six days, your APR would be 1,520.83%, but if you repay it within 32 days, the APR would be 285.16%.

How Much Money Can I Borrow from Check ‘n Go?

Online payday loans range from $100 to $600 depending on your state. Borrowers who go to a Check ‘n Go store can qualify for larger loans. For instance, in Illinois, Check ‘n Go provides payday loans of up to $865. Larger installment loans are also available.

Which States Does Check 'n Go Operate In?

Check ‘n Go offers online payday loans in Alabama, California, Florida, Hawaii, Illinois, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, North Dakota, Ohio, Oklahoma, South Dakota, Texas, and Utah. Check ‘n Go provides other products in additional states.

What Is Check'n Go Application Process Like?

To qualify for a Check n’ Go online payday loan you need an active checking account, a steady source of income (no minimum) and telephone number and a valid email address. The application form requests your full name, address, Social Security Number, date of birth, whether you rent or own your home, your gross pay per paycheck, and your employment. You also need to provide your banking information, such as your bank account number and routing number. The interest rates are similar to those offered by most payday lenders. 

In some states, Check ‘n Go’s requires borrowers to send additional documents by fax or online. These documents include the most recent paystub, a recent bank statement, proof the previous Check ‘n Go loan was cleared from your account, and proof of identity.

How Is Check ‘n Go Better Than Other Lenders?

Check ‘n Go is a direct lender, so you don’t have to worry about your information being sent to a bunch of partner lenders. Customers can receive a variety of credit services, and choose whether to purchase online or at a store. There are no hidden fees and loans are deposited fast.

  • Credit Score Range
    300 - 650
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Loan Fee
    $25 - $134.07
  • Funding Time Range (in days)
    1 - 3
  • No Credit Check
  • Direct Deposit
  • Instant Decision
  • Online Application
  • Loan Amount
    $100 - $865
  • Loan Term (Days)
    Up to 31
  • APR
    456.25% - 1520.83%
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