Check 'n Go Payday Loans Review (2020) | Credit Raters
Last updated: 7th Feb 2020

Check ‘n Go Payday Loan Review



Check ‘n Go

Check ‘n Go started operations as the pioneer payday lender in the state of Kentucky back in 1994. The lender now has around 1,000 branches around the country, in addition to the provision of online loan services.

Two types of loans are being offered by Check ‘n Go: payday loans and instalment loans. Check cashing facility is also available to Check ‘n Go customers, and the lender also provides the Netspend Prepaid Mastercard.

The following review highlights all you need to know before applying for a loan with Check ‘n Go, including a walkthrough for its application process. 

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How Much Do Check ‘n Go Loans Cost?


The cost you would have to bear for taking out a loan with Check ‘n Go depends on two key factors: the type of loan, and the state where you hold residence. Every state has its own set loan terms and rates, and it would be wise to check the rates applicable in your state before filing the loan application.

The following table illustrates the rates applicable in the state of California.

Loan Product

Amount Borrowed

Repayment Period

Total Repaid

Instalment Loan (online)


274 days


Instalment Loan (retail)


274 days


Payday Loan (online)


30 days


Key Features Of Check ‘n Go Loans


Check ‘n Go is offering both online and retail store services in 18 states, while 4 states have an online-only facility and 6 states have a retail store-only facility. Once approval is given, online customers can expect to receive the loan amount by the following business day, while retail customers may receive it before they even exit the store.



Advanced online security

Possibly a higher APR compared to other loan options

Both online and retail outlet options available

Available in only a limited number of states

Fast application processing times

An upper cap on the loan amount that can be borrowed

Considers applications from those with a poor credit history



Yes, Check ‘n Go does approve loan applications from applicants who have a poor credit history, provided they are able to prove sufficient regular income in the form of payslips or any other proof of income, and also have a working checking account. Since payday loans are short term and also capped at a small amount, the risk for the lender is minimal and hence borrowers with bad credit do qualify for such loans.

When a payday loan becomes due, Check ‘n Go automatically collects the amount from your checking account. However, in case the checking account has insufficient funds, then Check ‘n Go will forward the debt to collectors, without any additional charge on your debt. However, charges may accrue for the returned check in some states.

Yes, since instalment loans hold a higher value compared to payday loans, Check ‘n Go does conduct a credit check to ensure the borrower holds the capacity to repay the loan in due time. The lender’s website specifies the minimum acceptable FICO score to be above 500.

Eligibility Criteria


The following eligibility criteria must be met in order to qualify for a loan with Check ‘n Go. Applicants must:

  • Be over the age of 18
  • Prove sufficient regular income
  • Hold a valid ID
  • Not have any other outstanding loans with Check ‘n Go
  • Hold an operational bank account in their own name
  • Meet all guidelines as specified under state law
  • Hold the minimum credit score as required by the lender.

State Availability


Check ‘n Go provides loans in 28 states of the US, many of which have both retail outlets as well as online loan services. Not all products offered by the lender are available in every state, hence it is advisable that applicants first check on the Check ‘n Go website whether the credit product required by them is being offered in their state before starting the loan application.

Customer support


Check ‘n Go provides customer support in a number of ways. First, customer support is available at the retail outlets that the lender is operating around the country. Second, customers may reach out to a support representative over the phone by dialling 1-800-561-2274. Any online customer support can be accessed through the lender’s website between 8AM to 8PM on weekdays, and between 9AM to 2PM on Saturday. Online customer support is not available on Sunday. All of these times are mentioned in Eastern Standard Time (EST).

On Trustpilot, Check ‘n Go has received an overall rating of 4.7 out of 5, based on over 3,000 customer reviews.

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Application Process and Login Check n Go


The application process can be initiated in-store or online. If you choose to apply in-store, then a Check ‘n Go representative will guide you through the application process. For those who wish to apply online, here are the steps.

The online application form can be accessed by logging on to the lender’s website at On the following window, click on the Apply Now button and this will take you to the application form.

Step 1

The online application form is self-explanatory and requires applicants to provide their basic information including full name, date of birth, address, contact information including email address and mobile phone number, ID information, and Social Security Number. After this, the form requires applicants to submit their income information, including the source of income, the start date of their employment, the frequency with which they receive their paycheck, and the total amount received.

Step 2

After providing all the required information, applicants are required to select the loan amount they require and the type of loan they need, and then electronically sign the form before submitting it for review.

Step 3

Check n Go – Conclusion


So that’s all with Check n Go Loans Review of 2020. Check ‘n Go can prove to be a very valuable credit option for people looking for a quick and short-term fix to their credit needs, as the company is offering a fast payday loan service. Also, various other credit facilities, such as instalment loans, cash advances, and prepaid debit cards, are also being provided by Check ‘n Go, which makes it a good one-stop credit solution for many people.

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