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Check n Go Payday Loan Reviews

check n go reviewsCheck ‘n Go, a payday loan company and lender, offers more than just quick cash. In fact, online and at locations nationwide, borrowers can take advantage of their installments loans, title loans and check cashing services.

Since opening it’s doors in 1994, Check ‘n Go has been focused on solving problems that most banks ignore. What does that mean for you?

Unlike a bank, Check ‘n Go offers financial solutions to people like you that need short-term loans and cash advances. Banks, on the other hand, cannot provide the small loans that most families need to make it to their next paycheck. This is where a payday loan company like Check ‘n Go can help.

Types of Loans Available from Check ‘n Go:

  • Payday Loans
  • Installment Loans
  • Cash Advance
  • Check Cashing
  • Title Loans

How Do I Get a Check ‘n Go Payday Loan?

how do payday loans workApplying for a payday loan is simple, but there are a few requirements that must be met first. While every state has their own payday loan requirements, the list below is a general overview of what to expect when stepping into a Check ‘n Go location.

For starters, you must have an active checking account and a regular, verifiable source of income. What does this mean? Well, you will need to show your most recent pay stub or a bank statement. In addition, you must be at least 18 years of age and have a driver’s license or a government photo ID.

You must meet the following requirements to become eligible to receive a Payday loan from Check ‘n Go:

  • Have an active checking account
  • Have a regular, verifiable source of income
  • Provide a working phone number
  • Must be a US citizen or permanent resident
  • Must be at least 18 years of age
  • Most have recent pay stub or bank statement
  • Must have a checkbook
  • Provide driver’s license or Government ID

If you’re looking for a payday loan the amount you can qualify for will depend on where you live. California residents are only eligible to receive $255, while those in Alabama can get up to $500.

When a few hundred dollars isn’t enough to get you to payday, an installment loan or title loan is another option. Check ‘n Go offers installment loans up to $1,500. And if this isn’t enough either, you may want to consider an unsecured personal loan from a peer to peer lending site.

How Much Does a Check ‘n Go Payday Loan Cost?

payday loan feesPayday loans are expensive short-term loans, but frequently they are more cost effective than the alternative overdraft charges, late fees and NSF charges.

As with loan amounts, payday loan fees also vary by state. But to give you a general idea, a 14-day payday loan in California will cost you around $17.64 per $100 borrowed.

Finance “gurus” are always eager to point out that this adds up to an APR of 459%! While they’re right that payday loans are expensive, a $17 charge for a payday loan is less than a $35 overdraft charge. And if you mistakenly made multiple purchases after your account was empty, you could face multiple $35 charges!

Where is Check ‘n Go Available?

Check ‘n Go loans are available online, over the phone and at check cashing locations and payday loan stores in almost all 50 states.

Considering the number of Check ‘n Go locations nationwide, you may have one in your city. However, they also offer loans online and over the phone. Online payday loans are only available in select states. Please see the list below to see if cash advance loans are legal in your state.

Check ‘n Go online payday loans are offered in the following states:

  • Alabama
  • California
  • Florida
  • Idaho
  • Hawaii
  • Illinois
  • Indiana
  • Kansas
  • Mississippi
  • Maine
  • Michigan
  • Missouri
  • Nevada
  • North Dakota
  • Ohio
  • Oklahoma
  • South Dakota
  • Texas
  • Utah

If you state is not listed above, you may want to consider an alternative such as peer to peer lending or unsecured personal loans.

Check ‘n Go Complaints and Reviews

In the payday loan industry it is rare for a lender to be involved in the loan process from start to finish. Instead, most online payday loan websites match borrowers with lending companies and receive a commission for their referral. Check ‘n Go on the other hand prides themselves on being one of the only lenders that is in contact with borrowers from beginning to end.

Due to their unique structure, Check ‘n Go can provide fast payment solutions and superior customer service.

Feel free to share your experience with Check ‘n Go with our community.