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Check ’n Go review

Check 'n Go offers short-term loan options online, over the telephone and via 1,000 physical storefronts nationwide.

Check 'n Go review
(Image: © Check 'n Go)

Our Verdict

Check 'n Go has an impressive offering - a good online portal and over 1000 physical stores - but its rates are average, and its additional fees are often hidden.

For

  • Over 1,000 physical storefronts nationwide
  • Interest rates that fall well within the industry averages
  • Good evaluations from official bodies, including CFSA

Against

  • No late-fees are listed, so check on application

Check ’n Go has been around in the loan industry for around 25 years and is well established across the country. It has a large number of physical storefronts, which many customers prefer, and its interest rates fall in line with the industry averages for payday loans. If you want to see how Check ‘n Go compares to other lenders take a look at our round-up of the best payday loans online.

Check ’n Go review: Cost of loans

  • Rates of interest depend on individual’s specific financial circumstances
  • Late fees and the like are not outlined on the website

Rates of interest are variable down to the individual’s specific financial circumstances and geographic location. For our purposes, we took a quote for a married, 45-year old man with two children and a low credit rating. We sought to borrow $500 for a total period of one month. The total repayment quoted was $625, equaling a total charge of $125, this being equivalent to an Annual Percentage Rate (APR) of 399%. This is about an average rate for the industry for a first-time borrower. 

Late fees and the like are not outlined on the website and are given to individual loan applicants, the only charges publicly available is a charge of $4.95 for making a payment over the telephone with a debit card. 

To qualify for a Check ’n Go payday loan, customers must have a Social Security number, some proof of identity and of regular income as well as a checking account. Customers must also reside in one of the states where Check ’n Go operate. 

Check ’n Go review: Loan products

  • One-month loans between $300 and $3,000 for first time customers
  • People with low credit scores are still considered favorably                                                                                                                      

Check ’n Go offers one-month loans between $300 and $3,000 for first time customers. Check ’n Go will run a credit score check on all applications to make sure that the customer can afford the repayments and they do ask for proof of income, though people with low credit scores are still considered favorably. 

Some customers may also qualify for l larger loan that can be paid back in installments. The company also offers cash advances, prepaid debit cards, installment loans and check cashing services. 

Check ’n Go review: Payment times and Quote process

  • Decision can usually be delivered within a matter of minutes
  • Online applications usually receive funds next business day

Check ’n Go has a very clear and straightforward quote process, and whether customers are applying online, over the phone or in store, the decision can usually be delivered within a matter of minutes.

Customers that apply for a payday loan in store can usually receive their funds (if approved) within a few hours of the initial application. Customers who apply online or over the telephone will usually receive the money in their checking accounts the next business day, again subject to approval.  

Check ’n Go: Usability and user reviews

  • Not currently accredited with the Better Business Bureau
  • High Trustpilot score

Check ’n Go is not currently accredited with the Better Business Bureau though the institution currently award it an excellent A+ rating. Trustpilot, another service that evaluates the viability and reviews of companies, gives CashNetUSA a good score, too, rating them at 4.7

Its membership of the Community Financial Services Association (CFSA) also stands it in relatively good stead ethically. Its rates are not especially visible online, though the terms are clearly laid out and it has a notable amount of online resources for customers looking to take better control of their money (modules are listed under a website section called Finance 101). The quote process is straightforward and just requires some basic personal information in the first instance. 

Should you choose Check ’n Go?

Check 'n Go is a company that's easy to recommend, but tough to describe as 'the best' at any specific thing. Interest rates are about industry average and, while the company is well established and trustworthy, it doesn't offer anything that rival lenders can't match or better. It has 1000 physical stores, which is ideal for anyone uncomfortable applying for a loan online, but many of its competitors - like Check Into Cash - also offer similar advantages. Its customers are satisfied with the service they got, so you'll see good ratings at places like Trustpilot, but you should remember that this is a payday loan lender and there are better options for borrowing available.

A note on PayDay loans

Payday loans should really only be considered as a last option when it comes to borrowing money. Anyone with reasonable credit should consider other options, and anyone with bad credit should look to repair that credit before taking out a high interest payday loan. We strongly recommend you look at the following guides before making a final decision on your loan.