Features

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
  • Immigration Status Considered
  • Military Status
  • Supported Income Types
  • Max Loan Term (days)
    31
  • No Credit Check
  • Funding Time
    Next business day
  • Loan Fee
    $25 - $134.07
  • Direct Deposit
  • Instant Decision
  • Online Application
SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Reviews

Write a Review

Sort by:

  • Rating
  • Date
  • Most Useful

0 votes

I JUST DID AN APPLICATION ON LINE, THEY MAKE IT SOUNDS SO SIMPLE GOT DENIED ON THE SPOT.


0 votes

Be ware and do not do business with Check n Go! I was approved for 5,000 and told I could refinance at any time without paying it off to reduce the payments based on the balance when I refinance. I waited until I had paid my 6th payment and then was told I would need to pay 1/3 of the balance before a refinance could be done. Also, after the 10 th payment I learned my balance was only 4900.00...they are hardly putting any of my outrageous ... twice monthly payments to principal. The only way to get out of this loan is to pay it off!!! More Less


0 votes

I had 3 loans all paid off early and on my last one I ran into trouble. They treated me like a criminal and gave me no options to help get my account current or work out some plan. She yelled at me that I owed the money, and this was five days before Christmas.I might understand if i was a repeat customer that never paid, but I wasn't. Then they went sneakily into my account and posted 3 checks for $200 each, after I specifically asked them to ... not take more money than the payment I was about to make. They took the money I had for Christmas presents. I was crying and no mercy. They will harass you and go into your account to get their money no matter what and no matter how they do it. DONT GO HERE. More Less


0 votes

i got a consolidated loan from them about a month ago, i would shop around or find another avenue, i am stuck and hvae no way out of this hole i have dug myself in...interest is high and they do not do monthly loans..


0 votes

SAVE YOUR TIME AND CREDIT DONOT GO HERE!!!!! I GOT A PAYDAY LOAN FOR 300 IYS ONLY BEEN 2WEEKS AND OTS ALREADY AT 400 PLEASE DONT B A SORE LOSER AND LISTEN NO CHECK N GO!!!


0 votes

Check N Go charge to much interest on a small loan. Rip off !


New Review for Check 'n Go

Rate your experience:

Cancel