Check n Go Loans Review

Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
review-contactContact information:
  • Monday through Friday from 10 am to 6 pm
  • Sun
  • Mon
  • Tue
  • Wed
  • Thu
  • Fri
  • Sat
girl money money money

Life throws us financial curveballs, which may require us to get a loan. Traditional bank loans can be hard to obtain if you don’t have good credit. That’s where lending companies come in handy. Check n Go Loans is a short-term solution to getting funds in your bank. They focus on being able to help browsers whose credit has taken a dip. To ensure that you get the money you need in a time of crisis.

Each lending company has its own terms and conditions. Plus, not all of them have decent rates. We’ve taken a closer look into whether or not Check n Go Loans is worth signing a contract with.

Payday Loans

A payday loan covers small financial issues that may arise. They have high-interest rates but can get you funds within a few days. The repayment schedule is usually on your next paycheck or within three months.

When should you use a payday loan? If you feel you have an expense that needs to be paid fast, you may need a payday loan. You should only consider this option if you can pay the loan plus interest back in a short amount of time.

Installment Loans

On the other hand, installment loans are similar to payday loans. Instead of paying the loan and interest on your next paycheck, they extend the payment up to a year. This allows you to have enough time to pay off the loan without pitching in a chunk of money from your paycheck.

An installment loan is a good option if you don’t have the extra income for quick repayment. Although the interest rates are generally higher and do build up over time. Carefully consider which type of loan would be ideal for your situation.

What Is the Borrowing Process Like for Check N Go?

The lending process requires that you either walk-in to a physical store or apply online. Filling out the application only takes a few minutes and requires some documents/personal information. Walk-ins can get you cash the same day if you bring all the necessary information.

To apply, head to the Check n Go Loans website and click “apply now.” Once you’re done filling out the application, you will have to wait for a representative to contact you. Once they approve/deny your application, you can choose whether to resubmit or accept the terms.

After signing a contract, you’ll be able to get your funds the same day. Funds will be deposited into your banking account and available within 24 hours. You may use the funds for whatever you like.

What Are the Limits to How Much You Can Be Lended From Check n Go?

Loans from Check n Go range in quantity. Because the company operates in 28 different states, the maximum amount ranges. Other factors that affect the maximum amount is your income, past loan history, and bankruptcy. Luckily, Check n Go Loans doesn’t check your credit.

The maximum amount you can be approved for is $1,000. But, if you find yourself in the position where you don’t need to take out that much money, feel free to switch to less. Additionally, Check n Go Loans can be returned within a specific period.

Are There Any Extra Fees or Rates at Check n Go?

Check n Go provides loans with annual interest rates (APR) of 132% to 652%. What impacts these percentages is how large of a loan you’re taking out. If your loan is larger in size, you’ll be subjected to more fees. However, APR rates also change per eligible state. This means there is some variation.

As for other fees, Check n Go has a finance fee. Their finance fee ranges from $11.20 to $25.00. Aside from that, they also have a convenience fee for their installment loans. This fee covers the cost of reviewing your application. The amount you can expect to be charged is $4.95.

Nonpayment and Late Payment Process at Check n Go

Every state has its own laws regarding late payments. In most cases, Check n Go will not require you to pay any added fees for making a late payment. However, if 30-days have passed and you haven’t paid yet, it will be sent to collections.

That’s why it’s essential to communicate with your loan company if you think you’ll miss a payment. Talking with them can help you avoid added interest or a drop in your credit. They won’t make any reports unless your account is deemed delinquent and sent to collections.


h3>Does Check N Go Loans Have Good Reviews?

Yes, Check n Go is officially licensed to provide loans in 28 states. They have over 280 physical locations and offer services in most states. Even if you don’t have a physical store near you, you can still help you as long as you live in an eligible state.

Check N Go Loans Application Process

Creating an account and submitting an application is relatively easy. To create an account, start by heading to the Check n Go Loans website. From there, you will see a button that states, “apply now.” Click that button and then do the following steps;

  1. Creating an account – Start by creating an account by inputting information into the selected fields. They will require that you provide your state of residence, full name, and your email address. From there, continue to make an account.
  2. Select Your Loan Amount – Select the amount you want to borrow and your loan type. Look over the above amounts and ensure that it’s the funding you need. Once done, submit and move onto their eSign agreements.
  3. eSign Documents – if you’re living in a state that doesn’t require faxing, you will be asked to eSign a few agreements. These mainly go over the terms and conditions of working with Check n Go as your lender.
  4. Complete – review all the information above and make sure it’s correct. After that, submit your application and wait to hear back from them. Within 48 hours, you’ll get an approval/rejection notice on your application. If accepted, you will sign again, and they will deposit funds into your bank account.
money money money money
Borrower requirements
  • Age 18years or older
  • Have regular income
  • US citizen or permanent resident
  • Have a valid bank account
Obtaining methods
  • Bank account
  • Credit or Debit card
issued loans
satisfied customers
instant approval
Recommended lenders

Are There Any Check n Go Requirements That I Should Be Aware Of?

To even qualify for a loan, you must meet the minimum requirements. Requirements just ensure that you can be eligible for a loan. If you don’t meet the requirements, your application will be immediately rejected;

  • Be at least 18 years of age
  • Be able to demonstrate a verifiable source of income
  • Be able to verify identity through government-issued ID
  • No other loans on the platform
  • Valid bank account with a history
  • Meet your statewide lender requirements (changes with every state)
  • A minimum credit score of 300

What States Is Check N Go Loans Available In?

Check n Go Loans can lend in 28 states. However, not all types of loans will be available. You’ll have to check and see if you can get an installment loan or not. Here’s a list of the following states that are eligible for loans;

  • Alabama
  • California
  • Delaware
  • Illinois
  • Florida
  • Idaho
  • Iowa
  • Indiana
  • Michigan
  • Kansas
  • Kentucky
  • Mississippi
  • Missouri
  • Nevada
  • New Mexico
  • Oklahoma
  • Ohio
  • South Carolina
  • Rhode Island
  • Tennessee
  • Texas
  • Wisconsin
  • Utah
  • North Dakota
  • Maine
  • Nebraska
  • Hawaii
Advantages of Check n Go Loans
  • Easy Application ;
  • Quick Approval ;
  • Fast Funding;
  • Widespread;
Disadvantages of Check n Go Loans
  • Faxing;
  • Only Some States Offer Installments;
  • Extra fees ;
  • Short payday repayment ;

Tutorial on How to Get a Loan From Check N Go Online

To get a loan from Check n Go online, you will need to meet the minimum requirements, live in an eligible state, and fill out an online application. Some states require that you fax your documents and paperwork into a physical store location.

If this is the case, you won’t be able to submit an application online. However, Check n Go Loans has been expanding their reach, so most locations are switching to faxless loan processes.

Tutorial on How to Get a Loan From Check N Go in Person

Walk-ins require that you bring all documentation with you. If you’re going to do a walk-in, you must bring all the necessary physical documents to get approved. Some of these documents may include;

  • ID (drivers license, state ID, passport, etc.)
  • Proof of income (pay stubs, bank statements, certified documents, etc.)
  • SSN (social security number)
  • Updated contact info (phone, mailing address, email address, etc.)
  • Employer info (work phone number, place of employment, etc.)

Check N Go Loan Hours of Operation and Contact Info

Check n Go’s physical stores tend to have the hours of operation between Monday through Friday from 10 am until 6 pm. They are closed on weekends and holidays.

If there is an urgent matter, you need to discuss with a Check n Go representative head to their customer support page. You can see different contact details here. Just remember, they don’t operate on weekends, so you’ll have to call during weekdays.

Our Conclusions

What do we think of Check n Go? After reviewing several user reviews and checking with businesses such as the Better Business Bureau, we’ve concluded that they are an excellent company to work with. Of course, customer service varied from location to location. Some borrowers did not enjoy their walk-in experience. However, that can’t be said for each location.

We highly recommend doing your own research if you’re planning on applying with Check n Go. This will give you a better idea of if Check n Go Loans is a suitable company for you. Plus, you’ll get more information about your local branch.

Overall, we think that they are an excellent company to work with. Their APR rates aren’t easy to find online. However, they tend to be in the low to medium range via interest. The biggest downside we ran into is that they do charge a lot of extra fees. This can add up over time, especially if you don’t have the funds to apply.

( 25 votes, average: 8 out of 10)