Check N Go Review – The Pros Overshadow The Cons

Check N Go Review – The Pros Overshadow The Cons

(5 customer reviews)
Loan Ammount
Installment loan - up to $5,000, Payday loan - up to $500
Loan term
From 14 to 35 days for payday loans, From 3 to 18 months for installment loans
Min. credit score
500 FICO® score
Est. APR
Add to compare
8.6/10 (Expert Score)
Product is rated as #5 in category Reviews on Payday Loans

Check N Go offers both online and in-store loans for people dealing with monetary emergencies. Eligible customers receive money quickly and can spend the funds without any restrictions. Yet, APRs tend to be huge, and the company charges additional fees like one-time costs and late payments penalties.

One of the most significant upsides of Cash N Check is that even bad credit scores get considered. Being approved for a loan with a 500 FICO score is not typical with other online direct lenders. Furthermore, repayment terms don’t differ much from the average, and that’s your next payday. In case you take out an installment loan, this period may extend to 18 months.

However, bearing in mind the high-interest rate, think twice about whether such a financial endeavor is worth the high cost. Note that most expenses depend on the state, so make sure you always read the fine print in detail.

Customer Experience
  • Transparent rates and fees
  • Bad credit scores accepted
  • Fast access to cash
  • Helpful customer service
  • High APRs
  • Credit checks performed
  • Short repayment period for payday loans
  • Not available nationwide
Editorial Note: This content is not provided or commissioned by any financial institution. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the financial institution.

Company (Lender) Loan Amount Loan term Min. credit score Est. APR Funds available in
checkngo Payday loan – up to $500
Installment loan – up to $5,000
From 14 to 35 days for payday loans
From 3 to 18 months for installment loans
500 FICO® score 390% 24 hours


We provide an exclusive insight into the way Check N Go operates and the loans they offer. Before anything, this lender is a well-established and trusted company present on the lending market for many years. Check N Go online financial services and products are versatile, and the company gradually opens branches in even more states. Their pallet of products includes payday, installment, cash advances, and check cashing.

Potential customers should expect to be greeted by professional and helpful customer service every time they decide to apply. You can apply for a Check N Go loan on their website or the nearest store. We highly urge you to meticulously examine everything you sign as some terms might not be so acceptable.

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What is Check N Go, and is it legitimate?


Check N Go has been successfully operating and offering loan products for over 25 years. They promise to help when you need money to bridge the gap until your next paycheck. The company is also an ideal stop for any customer who seeks fast cash to resolve an emergency.

Moving on, in our detailed review, you’ll find the answer to the question, “how does Check N Go work.” Though opinions on the matter of their loans are somehow parted, positive reviews seem to prevail. Most negative comments are related to high-interest rates, loan denial, and customer service.

The rates and terms of Check n Go online loans vary by state, but the average APR we found was 390%. We have concluded that this direct lender is transparent in displaying information to clients on their website. If you have further inquiries, customer support operates via email and phone. You can also visit one of their branches to make sure you’re applying for the right loan and know what you’re getting into.

Legitimacy is a powerful feature of Check N Go. They operate at over 1,000 locations US-wide and offer a wide range of loan products. Above all, thousands of verified clients who have reviewed the company offer indisputable evidence that this lender is legit and reliable.

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What financial services does Check N Go provide?

This direct lender takes pride in several financial solutions for people with bad and poor credit scores. Consider it an advantage that not all products involve interest-accruing. However, all products include an extra cost for the service, either in the form of a fee or interest.

  1. Payday loans. Consider taking out a short-term payday loan if you need fast cash until your next salary. Such loans must get repaid within a short period and include a flat fee. Payday loans are useful for settling your bills without the need to accrue credit card charges. Expect the money on your bank account the following business day.
  2. Installment loans. Provided that you qualify, you’ll receive the money with a fixed payment schedule. Amounts could reach $5,000 both if you apply on their website or in-store. You may be able to repay an installment loan from Check N Go with a due date of up to 18 months.
  3. Check cashing. These are many convenient locations around the United States that allow people cash checks. Before you use the service, the company will disclose the one-time, flat fee you get charged for the product. Most often, such a payment would cost you less than the average bank overdraft fees.
  4. Cash advances. These short-term, unsecured loans can reach $1,500, and those are funds from your next paycheck. Use the approved cash advance money for any matter you may need. You’re also supposed to pay back the full amount of the advance with your next payday, plus a flat fee.
  5. Prepaid master cards. Prepaid credit cards allow you extra funds for urgent needs. Paychecks get deposited fast when linked to your bank account, but this involves an initial and deposit fee. Nevertheless, if you go with prepaid debit cards, you don’t run the risk of overdrafts related to traditional credit cards. Such cards won’t hurt your credit score and prevent holders from identity thefts by giving them the chance to spend safely.
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How to apply for a loan?

If Check N Go offers their services in your residence place, you may be able to apply both online and in-store. Before you receive approval, you’ll need to insert personal information and data related to your source of income. Provide an active checking account and a social security number, too.

If your application is successful, you’ll get a loan offer, as well as payment due dates and amounts to review. Provided that you undertake the terms and conditions and accept the loan, you may have to attach some additional documents. Depending on where you apply from, the application process ends by signing the contract and receiving the money the next business day.

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How much can you get from Check N Go?

Even though loan amounts are somehow limited compared to other established lenders online, they can soothe minor urgent needs. The loan amount also depends on several factors, like your income and credit balance. Typically, an average payday loan with Check N Go amounts to $500 and can reach your pocket within hours.

Conversely, the maximum amount of an installment loan is $5,000, but it can significantly vary depending on your living place. Currently, installment loans are available in Alabama, Delaware, Idaho, Illinois, Missouri, New Mexico, South Carolina, Texas, Utah, and Wisconsin.

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Am I eligible to apply?

Your eligibility will vary depending on the state you reside in and the specific payday lender. The general eligibility criteria with N Go Check you would most likely have to meet are as follows:

  • Valid ID (e.g., a driver’s license).
  • Verifiable source of income. Proof of income can include a recent pay stub, a pension statement, or an SSI award letter.
  • Beneficiary income is excluded.
  • Active checking account.
  • Active phone number.

Note that you may get asked to provide additional information like a social security number for verification purposes.

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How long does Check N Go need to verify your application and transfer funds?

Check N Go Loans are one of the most reliable and fastest in the direct lending industry. Note that the sooner you gather your documents and apply, the quicker can the company process your application. Once it goes through, the approved loan amount would reach your bank account electronically without any hassle. Sometimes, when it comes to a payday loan or a cash advance, transfers can instantly be executed.

Funds get scheduled and deposited as soon as the following business day if the company verifies your information before 8:00 p.m. EST. Otherwise, if you apply late before a banking holiday or on a banking holiday when banks don’t operate, expect a little delay. In short, your loan gets originated the next business day, and you’ll receive the money on the second business day after applying.

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Is Check N Go right for you?

We’re speaking of a lending company that claims to put its customers’ interests and rights first. They’ve been proudly serving US citizens for over 20 years at nearly 1,000 branches across the States. The loan products they offer mostly target troubled borrowers with not-so-perfect credit scores who have issues funding themselves elsewhere.

All in all, in case you in a financial mess that cannot get solved otherwise, don’t hesitate to take out a loan. Still, if you have an alternative source of cash, avoid Go Check N to spare yourself the exorbitant costs. Fees and interest can reach obscene amounts, so consider such loans as a last resort solution to save your account.

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Verified Clients’ Comments

Check N Go has an excellent rating on TrustPilot of about 4.5. Still, we could notice occasional dissatisfied customers. The following are random Check N Go reviews from verified TrustPilot clients:

They are awesome I would refer everyone to them easy in and out very respectful Richard is awesome I will definitely be staying with u guys.
Sheanna Colter


“Check n go works well! Yes, it can be pricey, but when you need funds, their services are fast and easy. I’ve used them twice (installments) paid them off within the 30 days, and interest reduced significantly.”

“Paid over $6000 on a $2700 loan. Was late 10 days because of the virus and was charged $200. I’m glad I paid it off. Never again.”
Mr. Williams

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Final Word

Running into an unexpected situation like a medical emergency or a car repair can happen to anyone. Money shortage urges many to opt for a short-term payday or installment loans offered by Check N Go. Consider this a viable option if traditional banks and lenders reject you because you seem a high-risk prospect. Alternatively, check some of the other lenders that have the best loans for bad credit.

Anyway, with the potential for triple-digit interest rates and ancillary fees, always think twice before applying. Unless you’re confident that you can pay back the loan very soon or with your next payment, give it up. You don’t want to get involved in an endless cycle of debt for unurgent matters.

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Does Check N Go run your credit?

Check N Go runs credit checks to establish your financial position and credit balance. They obtain credit information from Experian, which a global service that provides detailed credit data. Check N Go perform such checks to determine your creditworthiness and your FICO score. Note that if your score is lower than 500, you may be subject to rejection. However, this threshold is subject to frequent changes, so check it regularly.

How long does Check N Go take to deposit?

The sooner you arrange your documents and apply, the faster can the company process your application. When it goes through, the loan amount will reach your bank account electronically. Funds get deposited as soon as the following banking day if the lender verifies your information before 8:00 p.m. Conversely, if you apply late or on a banking holiday when banks don’t operate, the loan gets originated the next business day.

What happens if you don’t pay Check N Go?

If your payday or installment loan is due, CheckNGo will attempt to withdraw your checking account funds. If they’re unable to act accordingly, the company has rights reserved to send your payment into the hands of collections. The good news is that this lender doesn’t charge additional fees, but some states charge a returned check fee. Not paying your loan for over 30 days means the entire balance would default and go to collections.

Can you have two Check N Go loans?

There is no way you can get approved for two parallel loans at the same time. Meaning, you must go with renewing the first loan, i.e., refinancing. In a word, you take a second loan more extensive than the first with all accompanying fees due to the prior loan. You can use the second loan to pay down the principal of the previous one and the current fees.

Terms: Check N Go Review – The Pros Overshadow The Cons

Loan amount Installment loan - up to $5,000, Payday loan - up to $500
Loan term From 14 to 35 days for payday loans, From 3 to 18 months for installment loans
Min. credit score 500 FICO® score
Est. APR 390%

Photos: Check N Go Review – The Pros Overshadow The Cons

5 reviews for Check N Go Review – The Pros Overshadow The Cons

3.6 out of 5
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  1. Alexander R

    They charge too much even if you are late for one day. Their fees are enormous and I mean it. I am very disappointed with their service.

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  2. Rachel R

    They are fast, effective and I got the money within one day. Excellent service all stars.

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  3. Raymond C

    I got approved very fast and I needed a quick cash till my next paycheck. I had to pay huge amount in fees but it was an emergency.

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  4. Catherine P

    Luckily I paid in on time. Their fees for late payment are very high really. It was a small amount and I will consider should I try them again if I am in emergency.

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  5. Patrick C

    I am very satisfied with their service. My credit score is not great so I should opt for solutions like Check N Go. Their service is fine.

    Helpful(0) Unhelpful(0)You have already voted this

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