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.

  • APR
    456.25% - 1520.83%
  • Loan Amount
    $100 - $865
  • No Credit Check
  • Lend To Military?
  • Funding Time
    Next business day
  • Max Loan Term (days)
  • No Other Outstanding Loans
  • Direct Deposit
  • Instant Decision
  • Online Application
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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

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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

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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..

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

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I have used the service a couple of times and did not have a problem. They were very courteous and helpful. I did actually READ all of the paperwork, and the staff also explained it. Since I realize that places like these are only a TEMPORARY solution, and I knew I had no DOUBT that I could pay the loan as required, I had a very positive experience.

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I went to Check N Go on recommendation from a friend, as I stood in Line and witness both employees treating your potential and repeat customers like they were low life vagrants. They have no respect and treat everyone as if they are beneath them and losers. I then went to the window and they told me the largest check loan they do is 300 regardless if you have good credit. The girl was very unfriendly and did not offer any other options. This is your business working with people ... in financial emergency situations, treat everyone with respect not like the are a low life piece of trash and you could care less if you capture their business. I then left and went to a competitor and was given a 1200.00 loan within minutes and treated with the utmost respect and as if they wanted me as a longterm borrower. The owner of the location in Kearns needs to clean house and teach his employees how to treat everyone with respect. I have owned a large collection agency in the past and my first rule is treat everyone with respect and kindness and you will always get a payment. Treat them like dirt and they will pay someone else when they are in financial difficulty. More Less

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Check 'n Go is one of the many branches of Axcess Financial Services. I've relied on them intermittently over the years when money was tight. I'm fairly (sadly) familiar with how payday loans work and I understand that the consumer pays a huge amount of interest in return for the convenience of having cash available quickly, especially consumers with poor credit. But the rest of convenience is supposed to be that it doesn't require a credit check.

I could understand why they would check my credit if I was seeking an ... installment loan, but in the last year and a half, I've only relied on Check 'n Go for payday loans. When checking my credit records today I discovered that Check 'n Go, or Axcess Financial Services, has performed a hard check on my credit every time I've turned to them for a payday loan. This translates to a ding on my credit and makes me look like I'm desperate for credit. This is simply unacceptable and I will no longer rely on them for this particular service. More Less

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My experience at check n go has been great due to the great, friendly customer service and financial products that they offer. The staff there is very helpful and always willing to help. from my personal loans, to check cashing, and western union services, i always make check n go my one stop store every two weeks. Thank you check n go!!!

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I like the friendly courteous and helpfulness of the person that helped me with getting the loan I needed. I would recommend Check N Go to my family and friends. Thanks for all your help.

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I have used them for over a year. They were always very nice/helpful. And I could live with the monthly charges. Once a year I guess they make you update your info... pain in the butt... but sounds feasible. First issue I have ever had where they took out 2 payments, instead of one, I am overdrawn... worse... I can not pay my son's rent so he will move out. I have no doubt they will take care of this situation. If not my bank has a vigorous fraud unit. ... I have liked them for a long time. More Less

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i just got a loan there today even after reading that reivew while getting there phone number. i dont know who helped me the manager or what but her name was manda she wasnt mean to me at all or hateful. it did take a while to get the loan she was helping other people and she was the only person there i think i didnt see anyone else.it probably wouldnt have taken as long if she wasnt talking to the people so much and laughing and things like that. ... i would recommend them it wasnt bad at all seeing as i was embarressess to have to get a loan but i was made comfortable. More Less

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