Check ’n Go Loans Review
10 Min Read
Reviewed by Latoria Williams - In a nutshell
- Check ’n Go product details
- Who does Check ’n Go loans suit?
- Am I eligible?
- How does a Check ’n Go loan process work?
- Is Check ’n Go legit?
- What do customers say about check ’n go?
- Loans like Check ’n Go: alternative options to consider
- How to avoid payday loan scams
- Final thoughts
- FAQ
In a Nutshell
Check ’n Go is a financial service company that has been offering payday and installment loans for over 25 years. It provides financial assistance in hours with no minimum credit score requirements to help hard-working people handle their emergencies. Check ’n Go operates online and in-store, depending on where you live. However, the company’s products are not available in all states and come with high interest rates.
Pros:
- Funding within 1 business day
- Clear loan terms
- No prepayment penalties
- Credit monitoring services for installment loans
- Loans are available with bad credit
Cons:
- High APRs
- Extra fees may apply
- Small loan amounts
- Limited operational availability
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Check ’n Go Product Details
Check ’n Go specializes in payday and installment loans. Apart from financing options, the company also offers prepaid debit cards. However, Check ’n Go products are not available in all states. The lender provides both online and in-store services in Alabama, Idaho, Michigan, Missouri, Oklahoma, South Carolina, Texas, Utah, and Wisconsin, and only offers online loan options in California, Florida, Indiana, and Kansas.
Rates, Terms & Fees
Check ’n Go interest rates, terms, and fees vary by state and loan product:
| Feature | Payday Loans | Installment Loans |
|---|---|---|
| Repayment Term | 7 – 31 days | Up to 8 months |
| Min. Amount | $100 | $1,000 |
| Max. Amount | $825 (depends on the state) | $5,000 |
| Max. APR | 460.03% (vary by state) | 165% – 360% (vary by state) |
| Fees | No origination fees
Late fees may apply, depending on the state |
No origination fees
Dishonored item fees of $35 Late fees of 5% of the delinquent payment if it’s at least 10 days past due |
| Collateral | None required | None required |
| Funding | Within one business day. Funding within 30 minutes is possible if you hold an eligible Visa debit card | Within one business day. Funding within 30 minutes is possible if you hold an eligible Visa debit card |
Who Does Check ’n Go Loans Suit?
Check ’n Go borrowing options may suit people with limited credit histories and those who need money fast. Customers often use the company’s loans for car repairs, debt consolidation, medical expenses, emergency costs, and daily needs. However, high APRs, extra fees, and short repayment terms can make Check ’n Go products difficult to repay. Before applying, ensure you fully understand the terms and have a clear repayment plan.
Am I Eligible?
Loans offered by Check ’n Go come with simple eligibility criteria. To qualify, you need to meet the following requirements:
- Reach at least the age of 18
- Be a US permanent resident
- Have a bank account active for at least 30 days
- Have a verifiable source of a steady monthly income
- Provide official documentation of Social Security Number (AL, IN, OK only)
How Does a Check ’n Go Loan Process Work?
Once you’re ready to get started, you need to complete a few simple steps:
- Fill out an application form. You can do it online or at a store, depending on where you live.
- Wait for approval. The underwriting process typically doesn’t involve a hard credit check. However, Check ’n Go says it may review your information via national databases that contain info from major credit bureaus.
- Accept the terms. If approved, you will get a loan agreement that outlines all the loan conditions. Read the documents carefully, make sure you understand the terms, and sign the contract.
- Receive the funds. Qualified in-store applicants can get the money on the same day. Online approvals are funded within one business day. Money deposits within 30 minutes are possible for borrowers who use an eligible Visa debit card.
Is Check ’n Go Legit?
Yes, Check ’n Go is a legit company that follows federal and state lending rules and regulations. However, the company is known for offering high-cost payday and installment loans that result in significant overpayment and debt cycles. Check ’n Go has also faced many customer complaints and a class-action lawsuit regarding allegedly illegal lending practices it conducted in North Carolina in 2005.
What Do Customers Say About Check ’n Go?
Check ’n Go has mixed reviews across multiple platforms. Here’s a quick overview of the company’s ratings:
| Platform | Rating (out of 5) | Number of Reviews (as of September 2025) |
|---|---|---|
 |
4.5 | 9,836 |
 |
1.0 | 7 |
 |
2.8 | 108 |
 |
2.5 | 227 |
 |
3.2 | 19 |
Among the advantages, customers typically mention an easy application process, transparent loan terms, convenient locations, and free credit monitoring with TransUnion’s CreditView Dashboard available in their Pocket360 account.
However, former borrowers also say the company has poor customer service and charges high interest rates. Some customers mention they received persistent calls offering new loans and faced credit consequences as the company has reported late payments on loans that were repaid early.
Loans Like Check ’n Go: Alternative Options to Consider
If you’re not sure whether Check ’n Go products meet your needs, consider alternative solutions. Here’s how the company compares to other services:
| Company | Loan Amounts | APRs | Repayment Terms | Minimum Credit Score | Funding Times | Loan Availability |
|---|---|---|---|---|---|---|
| Check ’n Go | $100 – $5,000 | 286.79% – 460.03% | 7 days – 8 months | None | Instant, same-day, or next-day funding | 14 states |
| ACE Cash Express | $100 – $5,000 | 122.40% – 769.10% | 14 – 180 days | None | Instant, same-day, or next-day funding | 11 states |
| Moneytree | $100 – $5,000 | 363.48% – 482.32% | 14 days – 12 months | None | Instant, same-day, or next-day funding | 5 states |
| Spotloan | Up to $800 (up to $1,500 for repeated borrowers) | 99.00% – 490.00% | Up to 10 months | None | Up to 2 business days | 39 states |
How to Avoid Payday Loan Scams
Even when you deal with a legitimate lender, keep in mind that not all offers you receive are safe. Scammers often send phishing emails on behalf of a trusted company to steal your sensitive data or ask for upfront payments. Avoid emails from generic accounts or domains that don’t match the company name. Never pay any fees in advance and report any suspicious offers or online ads to your local authorities.
Final Thoughts
Check ’n Go is a legitimate financial service company that provides online and in-store services to residents of 14 states. Although it provides fast financial assistance to borrowers with limited credit, Check ’n Go loans have mixed reviews due to their high interest rates. Use the company’s products cautiously and consider safer alternatives first.
FAQ
What is Check ’n Go?
Check ’n Go is a trusted lending company that was founded in 1994. It specializes in short-term loans for people with bad or no credit. The service has more than 600 stores across the country and offers a convenient application process with minimum paperwork and fast funding times. However, it also charges high APRs.
Does Check ’n Go check credit?
Check ’n Go says it can verify application information by using national databases that may provide information from one or more national credit bureaus. The company may take the information received into consideration in the approval process.
How fast will I receive my loan?
The company offers funding in as little as 30 minutes to approved applicants who hold eligible Visa debit cards. In-store borrowers can receive the money on the same day. People who apply online and get the funds via ACH transfers typically get the money on the next banking day.
In what states does Check ’n Go offer online loans?
Check ’n Go provides online payday and/or installment loans in Alabama, California, Delaware, Florida, Idaho, Indiana, Kansas, Michigan, Missouri, Oklahoma, South Carolina, Texas, Utah, and Wisconsin.
Can I repay my loan early without penalties?
Yes, Check ’n Go allows for early repayment with no penalties for both payday and installment loans.
What if I can’t repay my loan on time?
When it comes to a payday loan, the company may send your account to collections if your bank account balance is insufficient to cover the loan payment on the due date. A returned check fee may also apply in some states. In the event of an installment loan payment, a returned check fee plus a late payment fee may be charged, depending on your state. Additional interest will accrue on the missed payment until it is satisfied.
Does Check ’n Go report late payments to credit bureaus?
If Check ’n Go can’t withdraw a payday loan amount from your bank account on a maturity date due to insufficient funds, it may send your debt to collections. This way, collectors can report to major credit bureaus.
What is the maximum loan amount I can get?
The maximum amount you can borrow with a Check ’n Go payday loan is $825. Installment loans offer higher borrowing limits that reach $5,000. The exact amount depends on your state and is subject to approval based on your income and credit.
How can I contact Check ’n Go customer service?
You can contact Check ‘n Go representatives by calling 888-372-9329 (Feedback Hotline) or 800-561-2274 (Retail Support).
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