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Check ‘n Go Review: Payday Loans Review in (2022)

Check ‘n Go was established in Covington, Kentucky, in 1994 to serve the needs of people who require money in a matter of minutes. Check ‘n Go promises to assist you regardless of whether you require money to tide you over until your next paycheck. One of the company’s slogans is that it is a one-stop shop for all of your urgent cash needs.

Remember that some states do not permit payday loans, so you may not be able to take advantage of these services depending on where you live. To find a comprehensive list of the most up-to-date information, go to the company’s official website.

What services does Check ‘n Go offer?

Cashing checks

You can cash checks in seconds at convenient locations around the United States. You only have to pay a one-time fixed cost that is stated before using the service. Cashing a check is less expensive than paying a bank’s normal overdraft fee in many circumstances.

Ohio, Florida, Kansas, Kentucky, Michigan, Missouri, Tennessee, and Texas are the only states where this service is now offered. According to Check ‘n Go’s website, more states will be offering this service in the near future.

Cash advances

Is there a short-term budget crunch? A cash advance is a small, unsecured loan of up to $1,500 that allows you to take money out of your next paycheck. Check ‘n Go tells you how much money you can obtain after applying online. You can utilize the funds to pay off whatever you need once accepted. Clients pay Check ‘n Go the full amount plus a fee when the cash advance is due, which is usually the next payday.

Installment loans

This loan form allows you to borrow more money over time while keeping your payments consistent. Check ‘n Go gives you a few alternatives for how much you can borrow, how much you’ll have to pay, and how many payments you’ll have to make. They could deposit the money into your account the next day.

Payday loans

These loans give you the funds you require to get you through till your next payday. They can help you avoid overdraft fees and credit card costs and make sure you pay your bills on time. Check ‘n Go could deposit the money into your account the next day.

Eligibility Requirements for a Check ‘n Go loan

In some states, Check’ n Go loans are not available. However, if they’re available in your area, you can apply in person or online.

If you apply online, Check’ n Go will ask you for some basic personal information. You’ll receive a loan offer with payment due dates to consider if you’re approved. Supporting papers, such as pay stubs, can be uploaded straight to your online application. The final documents can be read and signed through the internet. What you’ll need to apply for a Check n Go loan is listed below.

  • Email address
  • Mailing address
  • Full name
  • Driver’s license or state ID number
  • Date of birth
  • Verifiable income from approved sources
  • An active checking account that allows direct deposit
  • Social Security number

What will happen if I fail to repay my Check ‘n Go loan?

Installment loans

The remaining balance will default after 30 days without payment, interest will stop accruing, and Check ‘n Go will transfer the whole balance to collections.

Payday loans

If the company cannot withdraw funds from the borrower’s checking account, the payment will be referred to collections. In some states, a returned check fee may be assessed; however, Check ‘n Go will not charge any additional fees.

Who can benefit from a Check ‘n Go loan?

If you’re facing an emergency financial need, a Check ‘n Go installment loan may be an alternative for you, especially if you’re credit isn’t as good. A good example is auto repair. However, your interest rate is likely to be substantial.

If you’re looking for loans to consolidate debt but aren’t available, you’re not in the right place. Their installment loans feature probably higher APRs than your credit card’s APRs, making them more costly than paying your current debt repayments.

If you choose to take out a loan from Check ‘n Go, make extra efforts to pay off the loan earlier rather than later to avoid paying interest. There’s no mention of a penalty for prepayment to pay the loan off early on the website. However, it’s recommended to contact them ahead of time to determine whether they have this fee.

What are the APRs for Check ‘n Go loans?

Check ‘n Go says the minimum FICO credit score for evaluation is 500 on a scale of 300 to 850 points, so you don’t need strong credit to be eligible for an installment loan.

Although Check ‘n Go’s installment loans are touted as a better alternative to payday loans, their interest rates are comparable to payday loans’ notoriously high rates.

The maximum APRs we discovered were 260 percent in South Carolina, 360 percent in Delaware, and 370 percent in Missouri. Check ‘n Go loan rates and conditions vary by state, but the maximum APRs we found were 260 percent in South Carolina, 360 percent in Delaware, and 370 percent in Missouri. With the possibility of a triple-digit interest rate, you’ll want to think about whether a loan is worth the hefty cost.


  • Member of Community Financial Services Association (CFSA)
  • They can help where banks won’t lend you
  • Quick access to money


  • High-interest rates
Jason Rathman
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