Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Check `n Go Review

Advertiser Disclosure

About Company

Check`n Go, a financial services provider with over 25 years of experience, has been a reliable resource for millions facing unforeseen financial challenges. With a significant footprint of 600+ physical locations and online services, the company has issued over 46 million loans, including payday loans and installment loans, making it a go-to choice for those in need of quick financial assistance in the same business day.

As a trusted partner, Check'n Go understands the difficulties individuals with poor credit face when unexpected expenses arise, be it essential home repairs or mounting bills. The company is committed to providing support, ensuring that bad credit doesn't hinder access to crucial financial resources.

In addition to payday and installment loans, Check`n Go offers check cashing services, providing a comprehensive suite of financial solutions. The company emphasizes its dedication to security, implementing strict protocols to safeguard sensitive information online and in real-world transactions, offering peace of mind to those navigating financial challenges.

Beyond its core services, Check'n Go actively contributes to communities through outreach programs, food bank donations, and initiatives supporting child well-being. While customers can follow these community efforts on social media, it's essential to consider both the benefits and limitations, especially for those with bad credit, when exploring the available financial options offered by Check'n Go.

Check `n Go

Key Features

  1. Comprehensive Loan Offerings. Check`n Go provides a range of financial solutions, including payday loans and installment loans, catering to individuals in need of quick assistance during unexpected financial challenges.

  2. Extensive Presence. With a substantial footprint of over 600 physical locations and an online platform, Check`n Go offers widespread accessibility for customers seeking various financial services, such as check cashing.

  3. Inclusive Approach to Poor Credit. Recognizing the difficulties faced by individuals with poor credit, Check`n Go positions itself as a trusted partner committed to supporting those with less-than-perfect credit histories.

  4. Security Protocols. Emphasizing the importance of security, Check`n Go implements strict protocols to protect sensitive information, both online and in real-world transactions, ensuring the privacy and financial stability of its customers.

  5. Community Engagement. Beyond its core services, Check`n Go actively engages with communities through outreach programs, food bank donations, and initiatives supporting child well-being, showcasing a commitment to making a positive impact beyond financial assistance.

Pros and Cons

Pros

Quick Access to Funds. Check`n Go provides a swift and efficient process for obtaining payday loans and installment loans (including online installment loans), offering customers quick access to the funds they need during unexpected financial challenges.

Diverse Financial Services. The company offers a comprehensive suite of financial services, including payday loans, installment loans, and check cashing, providing customers with a range of options to address various financial needs in one place.

Inclusive Approach to Poor Credit. Check`n Go takes an inclusive approach, accommodating individuals with poor credit. This allows those facing credit challenges to access essential financial resources and support.

Widespread Accessibility. With over 600 physical locations and an online platform, Check`n Go ensures widespread accessibility, making it convenient for customers to access financial services and support, whether in-person or through digital channels.

Community Engagement and Social Impact. The company actively engages with communities through outreach programs, food bank donations, and initiatives supporting child well-being. Choosing Check`n Go allows customers to support a company that contributes positively to the communities it serves.

Cons

High Interest Rates and Fees. One notable drawback of using Check`n Go is the potential for higher interest rates and fees associated with their payday loans and installment loans. Borrowers should carefully review and understand the cost implications before committing to a loan.

Limited Loan Amounts for Some. While Check`n Go offers various loan types, the maximum loan amounts may be limited for certain individuals, depending on factors such as income and state regulations. This limitation could be a constraint for those with higher financial needs.

Short-Term Nature of Loans. The nature of payday loans and some installment loans provided by Check`n Go is inherently short-term. This may pose challenges for individuals requiring more extended repayment periods, potentially leading to financial strain upon repayment.

Dependence on Creditworthiness. Despite an inclusive approach to poor credit, individuals with extremely poor credit may still face challenges in securing favorable terms. The company's lending decisions are influenced by creditworthiness, impacting the terms and conditions offered to borrowers.

Potential for Debt Cycle. Borrowers should be cautious about the risk of entering a debt cycle, especially with payday loans. The short-term and high-interest nature of these loans may lead some individuals into a cycle of borrowing to cover previous debts, potentially exacerbating financial challenges.

Reliability

ChecknGo stands out as a reliable financial assistance provider, drawing on over 25 years of experience and a robust track record reflected in the excellent Trustpilot reviews, totaling 7,199 as of the latest available information. The consistently positive feedback on Trustpilot underscores the company's commitment to customer satisfaction, highlighting its reliability in delivering financial solutions tailored to the needs of over 46 million individuals. The widespread acclaim on Trustpilot reflects the trust and confidence customers place in Check n Go, reinforcing its reputation as a dependable partner for those navigating unforeseen financial challenges.

How to apply for a Check `n Go loan?

Apply for a Loan

  1. Visit the ChecknGo Website. Start by visiting the official Check n Go website. Navigate to the loans section to explore the types of loans offered and the specific requirements.

  2. Select Your State. Check`n Go operates in different states, and the available loan products may vary. Select your state to view the relevant loan options and terms applicable to your location.

  3. Choose the Loan Type. Depending on your needs, choose the type of loan you want to apply for. Check`n Go offers various short-term loans, payday loans, installment loans, and other financial products.

  4. Online Application. Complete the online application form. You will typically be asked to provide personal information, employment details, and financial information. Make sure to provide accurate and up-to-date information.

  5. Document Verification. Check`n Go may require documentation to verify the information provided in your application. This could include proof of income, identification, and other relevant documents. Be prepared to submit these documents as part of the application process.

  6. Review and Accept Terms. Carefully review the terms and conditions of the loan, including the interest rates, fees, and repayment terms. Make sure you understand the terms before proceeding.

  7. Approval and Funding. After submitting your application and documents, Check`n Go will review your information. If approved, funds may be deposited directly into your bank account. The time it takes for approval and funding can vary.

Conditions and Requirements

Conditions

  1. Repayment Flexibility. Check`n Go offers repayment flexibility, allowing borrowers to adjust their repayment schedules based on their financial circumstances. This feature provides added convenience for individuals facing fluctuating income or unexpected expenses during the loan term.

  2. Early Repayment Options. Borrowers with Check`n Go have the option to repay their loans ahead of schedule without incurring additional fees. This condition allows customers to save on interest costs by settling their obligations earlier than the agreed-upon term.

  3. Renewal and Extension Policies. Check`n Go provides clear policies regarding loan renewals and extensions. Understanding these conditions is crucial for borrowers who may need more time to repay or require additional funds. Clear terms help borrowers make informed decisions without surprises.

  4. Discounts for Timely Repayments. To incentivize timely repayments, Check`n Go may offer discounts or preferential terms for borrowers who consistently meet their payment deadlines. This condition rewards responsible financial behavior and helps borrowers save on overall loan costs.

  5. Loyalty Programs. Check`n Go may introduce loyalty programs where repeat customers or those with a positive repayment history can access special benefits, such as lower interest rates, higher loan amounts, or exclusive promotions. Loyalty programs aim to foster long-term relationships with customers who demonstrate financial responsibility.

Requirements

The specific requirements for Check`n Go loans may vary based on the type of loan and your location. However, common requirements for many short-term loans and installment loans typically include:

  1. Age Verification. Applicants are usually required to be at least 18 years old. In some states, the minimum age may be higher.

  2. Proof of Identity. A government-issued photo ID, such as a driver's license or passport, is typically required to verify your identity.

  3. Proof of Income. Lenders often require proof of a steady income. This could include recent pay stubs, bank statements, or other documentation demonstrating your ability to repay the loan.

  4. Bank Account. You may need an active checking account. This is often where the loan funds will be deposited, and it's also the account from which repayments may be withdrawn.

  5. Contact Information. Provide accurate contact information, including your phone number and email address, so that the lender can reach you if necessary.

  6. Residential Address. You will need to provide proof of your current address, such as a utility bill or lease agreement.

  7. Social Security Number. Lenders typically require your Social Security number for identity verification and to check your credit history.

  8. Employment Information. Details about your employment, including the name and contact information of your employer, may be necessary.

  9. Credit Check. While some short-term lenders don't require a good credit score, they may still perform a credit check. A less-than-perfect credit history may not necessarily disqualify you.

  10. Loan-Specific Documentation. Depending on the type of loan, additional documentation may be required. For example, if you're applying for installment loans, you might need to provide more detailed financial information.

Ways to receive the money

  1. Direct Deposit to Bank Account. The primary and most common method is direct deposit into the borrower's active checking account. This provides a quick and convenient way for individuals to access the loan amount and is also the account from which repayments may be withdrawn.

  2. Prepaid Debit Card (Varies by Location). In some cases and depending on your location, certain short-term loan providers may offer the option of receiving funds on a prepaid debit card. This could be an alternative for individuals who don't have a traditional bank account.

  3. Cash Pickup (Varies by Location). Depending on the specific services offered in your area, there might be options for cash pickup at designated locations. However, this is less common and varies based on regional regulations and policies.

  4. Check (Less Common). While less common, some lenders may provide the option of issuing a check for the loan amount. This method, however, might be less practical for immediate access to funds compared to direct deposit.

Products

Check `n Go offers a range of financial products designed to provide short-term assistance to individuals facing unexpected financial challenges. Their product offerings typically include payday loans, installment loans, and cash advances.

  1. Payday Loans. Payday loans from Check `n Go are designed to provide individuals with quick access to funds, with repayment typically due on the borrower's next payday. These loans can be helpful for addressing immediate financial needs.

  2. Installment Loans. Check `n Go also provides installment loans, allowing borrowers to repay the loan amount over a series of scheduled payments. This offers greater flexibility for those who need a longer repayment period.

  3. Cash Advances. Cash advances are another product offered by Check `n Go, allowing customers to receive a short-term loan against their credit card or line of credit. This can be a convenient option for those in need of immediate cash.

Other Personal Loans

Loans like Check `n Go

OppLoans

Apply for a Loan

OppLoans is a notable financial service provider that offers consumer loans varying from $500 to $4,000. They expedite the funding process to ensure that approved applicants receive the necessary funds promptly, which is advantageous for those dealing with immediate financial concerns. OppLoans offers adaptable repayment conditions, giving customers the choice between 9, 12, and 18-month loan terms. This adaptability allows borrowers to opt for a repayment plan that matches their financial ability, ensuring a seamless and manageable loan journey.

Opploans

Rise Credit

Apply for a Loan

RISE Credit is a reliable online lender that provides loans up to $5,000. They have a streamlined application procedure, allowing borrowers to have funds transferred to their accounts as early as the next business day. They present the flexibility of choosing a payment schedule that fits with the financial preferences of the customers, although some state-based restrictions might apply. A notable feature of RISE Credit is its 5-Day Risk-Free Guarantee, which permits borrowers to revoke their loan and return the principal with zero fees or interest within the given period. Additionally, RISE Credit grants customers complimentary access to their credit score and credit monitoring alerts through Credit Score Plus, offering valuable financial insight.

Rise Credit

OneMain Financial

Apply for a Loan

OneMain Financial stands as a distinguished and enduring lender, offering personal loans that range between $1,500 to $20,000. Boasting a century’s worth of experience in the financial sector, they have garnered the trust of a vast customer base. Their loan terms include fixed rates and fixed payments, offering a predictable and manageable repayment scenario to borrowers. OneMain Financial emphasizes personalized service, ensuring that the distinct needs of each customer are addressed. With a widespread network of approximately 1,400 branches, they provide easy access and convenience for individuals in search of financial aid.

OneMain Financial

Universal Credit

Apply for a Loan

Universal Credit requires applicants to have a minimum credit score of 560, thus excluding those with no credit history. It is appealing for its credit-enhancement features, making it suitable for individuals with fair or poor credit looking to better their scores. Providing larger loan amounts than Oportun and next-day funding upon approval, it emerges as a solid choice for significant, urgent financial needs. Universal Credit extends its loan services across all 50 states and Washington, D.C., offering a wide geographical coverage.

Universal Credit

Editorial Opinion

Check`n Go occupies a notable space in the financial assistance landscape, offering short-term loans to individuals facing unexpected challenges. While the company provides a vital service by extending support to those in need, it's crucial for potential borrowers to approach such financial solutions with caution. The convenience of quick access to funds comes with the trade-off of relatively higher interest rates and fees, a common characteristic of short-term lending.

Moreover, the company's commitment to security, community outreach, and a diverse array of financial products is commendable. However, the editorial opinion emphasizes the importance of responsible borrowing. Borrowers should carefully assess their financial capacity, thoroughly understand the terms and conditions, and explore alternatives before opting for short-term loans. Ultimately, while Check `n Go serves a purpose in addressing immediate financial needs, an informed and measured approach to borrowing remains essential for individuals to navigate their financial journey successfully.

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Sources

FAQ

How Do You Qualify For a Check `n Go Loan?

To qualify for a Check'nGo loan, individuals typically need to meet certain eligibility criteria. This often includes being at least 18 years old, providing proof of a steady income, having an active checking account, and presenting a government-issued ID for identity verification. The specific requirements may vary depending on the type of loan and state regulations. It's advisable to check directly with Check'nGo or refer to their website for the most accurate and up-to-date information on eligibility criteria and application requirements.

How Much Can You Borrow From Check'nGo?

The amount you can borrow from Check'nGo depends on various factors, including the type of loan, state regulations, and your individual financial circumstances. Payday loans from Check'nGo often have varying limits based on state laws, and they can range from as low as $100 to a few thousand dollars. Installment loans may offer higher borrowing limits, depending on the state and the specific terms of the loan. To determine the maximum loan amount available to you, it's essential to check with Check `n Go directly or visit their website. Loan limits can vary by location, and the company will assess your eligibility based on factors such as your income, creditworthiness, and the type of loan you are applying for. Always review the terms and conditions of the loan, including interest rates and fees, before proceeding with the application.

Does Check `n Go Approve Everyone?

Check `n Go does not approve everyone for loans. While the company aims to provide financial assistance to individuals, approval is subject to meeting specific eligibility criteria. To qualify for a loan, applicants typically need to be at least 18 years old, have a steady source of income, possess an active checking account, and provide a government-issued ID for identity verification. The approval process also considers individual financial circumstances, state regulations, and the type of loan being applied for. It's crucial to note that approval is not guaranteed, and Check'nGo evaluates each application based on the provided information. Credit history may not be the sole determining factor, making it accessible to individuals with less-than-perfect credit. For the most accurate information on eligibility and approval, it is recommended to check directly with Check'nGo or refer to their website.

Is Check `n Go a Legitimate Company?

Yes, Check'nGo is considered a legitimate company that provides financial services, including short-term loans, installment loans, and other related products. The company has been in operation for over 25 years, offering financial assistance to individuals facing unexpected challenges. Check'nGo has a widespread presence with numerous physical locations and an online platform.

It's important to note that while Check'nGo is a legitimate business, individuals should carefully review the terms and conditions of any loan agreement, including interest rates and fees, before entering into a financial arrangement. Like any financial institution, Check'nGo operates within the regulations of the states it serves, and its legitimacy is supported by adherence to applicable laws and industry standards.

Is Check `n Go a good lender?

Determining whether Check'nGo is a good lender depends on individual needs, financial circumstances, and the terms of the specific loan. Check'nGo is a well-established financial services provider with over 25 years of experience, and it has served millions of customers. The company offers a variety of short-term loans, installment loans, and other financial products to assist individuals facing unforeseen challenges.

However, it's crucial for borrowers to carefully evaluate the terms and conditions of any loan agreement, including interest rates and fees. While Check`nGo provides convenient access to funds, the trade-off can be higher interest rates, especially for short-term loans.

Company documents

Terms and Conditions
Privacy Policy

We'll handle it. TOGETHER.

© Check `n Go
Offers
Check `n Go
Installment Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
up to $5,000
Term
i

Loan term for the financial product

up to 60 months
Check `n Go
Payday Loan / Cash Advance
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$200 - $1,500
Term
i

Loan term for the financial product

up to 45 days
Similars products
Finanso
Personal Loans
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
2000.00 – 100000.00 $
Rate
i

Interest rate

6.34 – 35.89 %
Term
i

Loan term for the financial product

2 months – 72 months
Apply
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
100.00 – 4000.00 $
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.93
(20 Ratings)
Recommended FinScore™
0
300
650
1000
450.00 – 12000.00 $
Rate
i

Interest rate

27.50 – 81.29 %
Term
i

Loan term for the financial product

6 months – 1399 days
Apply
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.25
(20 Ratings)
Recommended FinScore™
0
300
650
1000
to 1500.00 $
Rate
i

Interest rate

to 160.00 %
Calculate loan payments in Check `n Go

Check `n Go calculator will allow you to calculate an approximate payment schedule for the loan

Check `n Go calculator
Interest rates are given in accordance with the rates of the Check `n Go of 19.07.2024
Loan amount
i

Enter the desired loan amount

USD
USD
200 $
1500 $
Loan term
i

Specify the loan term for the calculation

days
months
1
45
State
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
Check `n Go reviews 2024
Leave feedback
Similar companies
NaviRefi
123 S Justison St, Wilmington, DE 19801-5360
+1 (844) 381-6621
HESAA
PO Box 545, Trenton, NJ 08625-0545
+1 (609) 584-4480
RISLA
935 Jefferson Blvd, Suite 3000, Warwick, RI 02886
+1 (800) 758-7562
VSAC
10 East Allen Street, Winooski, VT 05404
+1 (800) 642-3177
Funding U
309 East Paces Ferry Rd. NE Suite 400, Atlanta, GA 30305