Payday Loans

Availability of Payday Loans

Check `n Go offers payday loans online.

Governing Law

The loan agreement is governed by the California Deferred Deposit Transaction Law. Lender is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. Questions or complaints should be directed to the California Department of Financial Protection and Innovation.

Maximum Loan Amount

The maximum loan amount for California residents is $255.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 10 days and the maximum loan term is 31 days.

Only one loan is permitted at Check `n Go.

Extensions

Check ‘n Go allows customers to request an extended payment plan after the rescission period and before their due date if they are unable to pay off the loan.

Finance Schedule

Online Finance Schedule

1. FINANCE CHARGES
Check ‘n Go (“we,” “our,” or “us”) provides deferred deposit transactions. Deferred deposit transactions are subject to a finance charge based on the amount you borrow, the “amount financed.” The larger your amount financed is, the larger the finance charge will be. We offer deferred deposit transactions in $5 amount-financed increments ranging from $50 to $255. The amount you owe equals the sum of the amount financed and the finance charge. For example, if you obtain a $255 deferred deposit transaction, then the finance charge is $45 and the amount you owe would be $300 (i.e., $255 + $45).
2. RETURNED ITEM FEE
If your bank (the “paying bank”) returns a debit entry to your bank account, then you must pay an additional returned item fee of $15. We charge you only one returned item fee per deferred deposit transaction no matter how many times the paying bank returns an item.
3. CRIMINAL LAWS RELATING TO RETURNED PAYMENT ITEMS
You are not culpable under criminal laws relating to returned payment items if you default on this transaction. Consequently, we may not use or threaten to use criminal process (e.g., criminal returned item laws) to collect a defaulted transaction.

4. THE DEPARTMENT OF BUSINESS OVERSIGHT’S TOLL-FREE PHONE NUMBER FOR CONSUMER COMPLAINTS
The California Department of Financial Protection and Innovation supervises us under the Deferred Deposit Transaction Law, §§ 23000 – 23106 of the California Financial Code. You may register a consumer complaint or concern about us by calling the Department’s toll-free phone number:

1-866-275-2677
(1-866-ASK-CORP)

5. COLLATERAL SECURING THE TRANSACTION
Except to the extent the federal Truth-In-Lending Act considers your written ACH authorization “security” for the deferred deposit transaction, we take no collateral to secure the transaction. For example, we do not take a security interest in any real estate or personal property item.

6. CIVIL LAWS RELATING TO RETURNED PAYMENT ITEMS
This transaction is being made pursuant to section 23035 of the Financial Code and is not subject to section 1719 of the Civil Code. You are not liable under civil laws relating to returned payment items if you default on this transaction. For example, you are not liable for treble (triple) damages, collection fees, or any other fees other than the $15 returned item fee that we charge per transaction (if applicable). Consequently, we may not use or threaten to use civil returned item laws to collect a defaulted transaction.

Installment Loans

Availability of Installment Loans

Check `n Go offers installment loans online and in stores.

Governing Law

The loan agreement will be governed by the applicable laws of Delaware. Questions or complaints should be directed to your state’s regulatory agency.

Delaware licensed lender by the Delaware State Banker Commission.

Maximum Loan Amount

The maximum online loan amount for Delaware residents is $5000.

Fax of Pay Stub

Delaware requires that all Delaware customers have their most recent pay stub on file with Check `n Go when receiving an installment loan. For online customers, please fax or e-mail Check `n Go your latest pay stub when applying to ensure timely processing of your loan.

Loan Terms

Only one loan is permitted at Check `n Go, whether online or at a store.

Finance Schedule

Online Finance Schedule

Payday Loans

Availability of Payday Loans

Check `n Go offers payday loans both online and in stores.

Governing Law

The loan agreement will be governed by the applicable laws of Florida. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Maximum Loan Amount

The maximum loan amount for Florida residents is $500.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 10 days and the maximum loan term is 31 days. For a Check `n Go store location the minimum loan term is 7 days and the maximum loan term is 31 days.

Only one loan is permitted at Check `n Go, whether online or at a store.

There is a mandatory 24 hour cooling off period between loans.

Finance Schedule

Online Finance Schedule

Retail Finance Schedule

Payday Loans

Availability of Payday Loans

Check `n Go offers Payday Loan online to residents of Hawaii.

Governing Law

The loan agreement will be governed by Chapter 480F of the Hawaii Revised Statutes. Questions of complaints should be directed to the Hawaii Department of Commerce and Consumer Affairs.

Maximum Loan Amount

The maximum loan amount for Hawaii residents is $510.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 10 days and the maximum loan term is 32 days.

Only one loan is permitted at Check `n Go.

Extensions

The state of Hawaii does not allow extensions. Therefore loans in the state of Hawaii must be paid off on their due date.

Finance Schedule

Online Finance Schedule

Installment Loans

Availability of Installment Loans

Check `n Go offers installment loans online and in stores.

Governing Law

The loan agreement will be governed by the Idaho Credit Code. Questions or complaints should be directed to the Idaho Department of Finance.

Maximum Loan Amount

The maximum online loan amount for Idaho residents is $5000.

Fax of Pay Stub

Idaho requires that all Idaho customers have their most recent pay stub on file with Check `n Go when receiving an installment loan. For online customers, please fax or e-mail Check `n Go your latest pay stub when applying to ensure timely processing of your loan.

Loan Terms

Only one loan is permitted at Check `n Go, whether online or at a store.

Payday Loans

Availability of Payday Loans

Check `n Go offers payday loans in stores

Governing Law

The loan agreement will be governed by the applicable laws of Illinois. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Maximum Loan Amount

Need cash advances in Illinois? An Illinois loan from Check ’n Go can get you the money you need in a hurry, whatever your emergency. In Illinois, payday loans are available for up to $865 with a 35-day term limit.

Documentation

Illinois regulation states that all Illinois customers have their most recent pay stub on file with Check ’n Go when receiving a payday loan. When applying for a payday loan at a store location, please take the above documentation with you.

Payday Loan Terms

Only one loan is permitted at Check `n Go, whether online or at a store.

Illinois state law mandates a 7 day cooling off period after a customer has been in a payday loan product for 45 consecutive days.

Illinois state law mandates a 14 day cooling off period after a customer has paid an extended payment plan and any transaction that was outstanding during the extended payment plan period.

Extensions

Extended Payment Plan

A customer who has an outstanding payday transaction for 35 or more consecutive days may request an extended payment plan

Finance Schedule

Retail Finance Schedule

Payday Loans

Availability of Payday Loans

Check `n Go offers payday loans both online and in stores

Governing Law

The loan agreement will be governed by the applicable laws of Indiana. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Maximum Loan Amount

The maximum loan amount offered by Check ‘n Go to Indiana residents is 20% of their gross monthly income or $605, whichever is less.

Documentation

• Fax of Pay Stub
  Indiana regulation requires all Indiana customers have their most recent pay stub on file with Check ‘n Go when receiving a payday loan. For online customers, please fax or e-mail Check ‘n Go your latest pay stub when applying to ensure timely processing of your loan. If you receive income by means other than an employer, please fax or e-mail other proof of your Social Security, disability, and child support or alimony payments. All materials may be sent via fax to (800) 723-7032 or via email to customerservice@www.checkngo.com. When applying for a payday loan at a store location, please take the above documentation with you.
• Social Security Number
  Check ‘n Go requires all Indiana customers provide documented proof of their social security number. See the SSN Disclosure document, located in the Additional Disclosures section below, for a list of acceptable documents.

Payday Loan Terms

Check ‘n Go offers a minimum loan term of 14 days and a maximum loan term of 35 days for online and in-store loans.

Only one loan is permitted at Check ‘n Go, whether online or at a store.

Indiana state law mandates a 7 day cooling off period following the pay off of the 5th consecutive payday loan transaction (not including the initial transaction). Consecutive payday loan transactions may be made with any one or more state licensed lenders.

Extensions

The state of Indiana allows for extended payment plans after an initial loan followed by three consecutive small loans. The lender shall disclose a written description of the extended payment plan option, and the borrower shall be able to request the extended payment plan at any time during the third or subsequent consecutive small loan. The extended payment plan must allow for a minimum of four equal installments over a period of not less than 60 days. The lender may not assess any fee or charge for the extended payment plan.

Finance Schedule

Online Finance Schedule

Retail Finance Schedule

Payday Loans

Availability of Payday Loans

Check `n Go offers Payday Loans at a store location near you. Check `n Go currently does not offer Iowa residents an online Payday Loan product.

Governing Law

The loan agreement will be governed by the Iowa Delayed Deposit Services Licensing Act. Questions or complaints should be directed to the Iowa Division of Banking.

Maximum Loan Amount

The maximum loan amount for Iowa residents is $445.

Payday Loan Terms

For a Check `n Go store location the minimum loan term is 5 days and the maximum loan term is 31 days.

Only one loan is permitted at Check `n Go.

Extensions

The state of Iowa does not allow extensions. Therefore loans in the state of Iowa must be paid off on their due date.

Finance Schedule

Retail Finance Schedule

Payday Loans

Availability of Payday Loans

Check `n Go offers Payday Loans online and in stores.

Governing Law

The loan agreement will be governed by the Kansas Consumer Credit Code. questions or complains should be direct to the Office of the State Bank Commissioner of Kansas.

Maximum Loan Amount

The maximum loan amount for Kansas residents is $500.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 14 days and the maximum loan term is 30 days.

For a Check `n Go store location the minimum loan term is 10 days and the maximum loan term is 30 days.

Only one loan is permitted at Check `n Go, whether online or at a store.

Extensions

The state of Kansas does not allow extensions. Therefore loans in the state of Kansas must be paid off on their due date.

Finance Schedule

Online Finance Schedule

Retail Finance Schedule

Payday Loans

Availability of Payday Loans

Check `n Go offers Payday Loans in stores. Check `n Go currently does not offer Kentucky residents an online Payday Loan product.

Governing Law

The loan agreement will be governed by the applicable laws of Kentucky. Questions or complaints should be directed to your state’s regulatory agency.

Maximum Loan Amount

The maximum loan amount for Kentucky residents is $500.

Payday Loan Terms

For a Check `n Go store location the minimum loan term is 14 days and the maximum loan term is 35 days.

Only one loan is permitted at Check `n Go.

Extensions

The state of Kentucky does not allow extensions. Therefore loans in the state of Kentucky must be paid off on their due date.

Finance Schedule

Retail Finance Schedule

Payday Loans

Availability of Payday Loans

Check `n Go offers Payday Loan online to residents of Maine.

Governing Law

The loan agreement will be governed by the applicable laws of Maine. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Maximum Loan Amount

The maximum loan amount for Maine residents is $250.

Payday Loan Terms

Check ´n Go offers a minimum loan term of 10 days and a maximum loan term of 40 days for online loans in Maine.

Only one loan at a time is permitted at Check ´n Go.

Extensions

Extensions are not currently offered in Maine.

Finance Schedule

Online Finance Schedule

Payday Loans

Availability of Payday Loans

Check `n Go offers payday loans both online and at a store location near you.

Governing Law

The loan agreement will be governed by the applicable laws of Michigan. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Maximum Loan Amount

The maximum loan amount for Michigan residents is $600.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 10 days and the maximum loan term is 31 days. For a Check `n Go store location the minimum loan term is 7 days and the maximum loan term is 30 days.

Only one loan is permitted at Check `n Go, whether online or at a store.

Finance Schedule

Online Finance Schedule

Retail Finance Schedule

Payday Loans

Availability of Payday Loans

Check `n Go offers payday loans both online and in stores.

Governing Law

The loan agreement will be governed by the applicable laws of Mississippi. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Maximum Loan Amount

The maximum loan amount for Mississippi residents is $410.

Payday Loan Terms

For a Check `n Go store location the minimum loan term is 5 days and the maximum loan term is 30 days.

Only one loan is permitted at Check `n Go.

Finance Schedule

Online Finance Schedule

Retail Finance Schedule

Installment Loans

Availability of Installment Loans

Check `n Go offers installment loans online and in stores.

Governing Law

The loan agreement will be governed by the Missouri Consumer Credit Laws. Questions or complaints should be directed to the Missouri Division of Finance.

Maximum Loan Amount

The maximum online loan amount for Missouri residents is $5000.

Fax of Pay Stub

Missouri requires that all Missouri customers have their most recent pay stub on file with Check `n Go when receiving an installment loan. For online customers, please fax or e-mail Check `n Go your latest pay stub when applying to ensure timely processing of your loan.

Loan Terms

Only one online loan is permitted at Check `n Go, whether online or at a store.

Payday Loans

Governing Law

The loan agreement will be governed by the Missouri Consumer Credit Laws. Questions or complaints should be directed to the Missouri Division of Finance.

Maximum Loan Amount

The maximum loan amount for Missouri residents is $500.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 14 days and the maximum loan term is 31 days. For a Check `n Go store location the minimum loan term is 14 days and the maximum loan term is 31 days.

Only one online loan is permitted at Check `n Go.

Extensions

You may extend your loan up to a maximum of 2 times by paying down your principal balance by a minimum of $25 AND paying the loan fee before the full amount must be satisfied. After paying the original loan fee, you will be contracted for an additional loan, for which you will be charged an additional loan fee. For an online loan you can request an extension by logging into your account or by calling customer service. For a store loan you must contact the store where your loan was originated.

Finance Schedule

Online Finance Schedule

Payday Loans

Availability of Payday Loans

Check `n Go offers Payday Loans online and in stores.

Governing Law

The loan agreement will be governed by Chapter 604A of the Nevada Revised Statutes. Questions or complaints should be directed to the Nevada Commissioner of Financial Institutions.

Maximum Loan Amount

The maximum loan amount for Nevada residents will be 25% of gross monthly income or $1,000.00, whichever is less.

Fax of Pay Stub

Nevada regulation states that all Nevada customers have their most recent pay stub on file with Check `n Go when receiving a payday loan. For online customers, please fax or e-mail Check `n Go your latest pay stub when applying to ensure timely processing of your loan. If you receive income by means other than an employer, please fax or e-mail other proof of your Social Security, disability, child support or alimony payments. All materials may be sent via fax to (800) 723-7032 or via email to customerservice@www.checkngo.com. When applying for a payday loan at a store location, please take the above documentation with you.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 10 days and the maximum loan term is 35 days. For a Check `n Go store location the minimum loan term is 5 days and the maximum loan term is 35 days.

Only one loan is permitted at Check `n Go, whether online or at a store.

Extensions

You may extend your loan up to a maximum of 3 times. To extend your loan you must pay the current loan fee before the full amount must be satisfied. After paying the original loan fee, you will be contracted for an additional loan, for which you will be charged an additional loan fee. Extension requests must be made 2 business days prior to your due date. For an online loan you can request an extension by logging into your account or by calling customer service. For a store loan you must contact the store where your loan was originated.

Extended Payment Plan

Any customer who receives a final collection letter is eligible for an extended payment plan. If a customer defaults on a loan, we must offer a repayment plan before we commence any civil action or process of alternative dispute resolution.

Finance Schedule

Online Finance Schedule

Retail Finance Schedule

Installment Loans

Availability of Installment Loans

Check `n Go offers installment loans online and in stores.

Governing Law

The loan agreement will be governed by the New Mexico Small Loan Act of 1955. Questions or complaints should be directed to the New Mexico Financial Institutions Division.

Maximum Loan Amount

The maximum online loan amount for New Mexico residents is $5000.

Fax of Pay Stub

New Mexico requires that all New Mexico customers have their most recent pay stub on file with Check `n Go when receiving an installment loan. For online customers, please fax or e-mail Check `n Go your latest pay stub when applying to ensure timely processing of your loan.

Loan Terms

Only one loan is permitted at Check `n Go, whether online or at a store.

Payday Loans

Availability of Payday Loans

Check `n Go offers payday loans online.

Governing Law

The loan agreement will be governed by Chapter 13-08-01 of the North Dakota Century Code. Questions or complaints should be directed to the North Dakota Department of Financial Institutions.

Maximum Loan Amount

The maximum loan amount for North Dakota residents is $500.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 7 days and the maximum loan term is 45 days. Only one loan is permitted at Check `n Go.

Extensions

Extensions are not currently offered in North Dakota.

Finance Schedule

Online Finance Schedule

Installment Loans

Availability of Installment Loans

Check `n Go offers installment loans in stores.

Governing Law

The loan agreement will be governed by the applicable laws of Ohio. Questions or complaints should be directed to your state’s regulatory agency.

Maximum Loan Amount

The maximum loan amount for Ohio residents is $1000.

Loan Terms

Only one loan is permitted at Check `n Go.

Installment Loans

Availability of Installment Loans

Check `n Go offers installment loans in store locations.

Governing Law

The loan agreement will be governed by the Oklahoma Small Lenders Act. Questions or complaints should be directed to the Oklahoma Department of Consumer Credit.

Maximum Loan Amount

The maximum loan amount for Oklahoma residents is $1,500.

Payday Loans

Availability of Payday Loans

Check `n Go offers Payday Loans in stores. Check `n Go currently does not offer Rhode Island residents an online Payday Loan product.

Governing Law

The loan agreement will be governed by the applicable laws of Rhode Island. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Maximum Loan Amount

The maximum loan amount for Rhode Island residents is $450.

Payday Loan Terms

For a Check ’n Go store location the minimum loan term is 13 days and the maximum loan term is 35 days. Only one loan is permitted at Check ’n Go.

Finance Schedule

Retail Finance Schedule

Installment Loans

Availability of Installment Loans

Check ‘n Go offers installment loans online and in stores.

Governing Law

The loan agreement will be governed by the applicable laws of South Carolina. Questions or complaints should be directed to your state’s regulatory agency.

Maximum Loan Amount

The maximum online loan amount for South Carolina residents is $5000.

Loan Terms

Only one loan is permitted at Check ‘n Go, whether online or at a store.

Payday Loans

Availability of Payday Loans

Check `n Go offers Payday Loans in stores. Check `n Go currently does not offer Tennessee residents an online Payday Loan product.

Governing Law

The loan agreement will be governed by the applicable laws of Tennessee. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Maximum Loan Amount

The maximum loan amount for Tennessee residents is $425.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 10 days and the maximum loan term is 31 days. For a Check `n Go store location the minimum loan term is 5 days and the maximum loan term is 31 days.

Only one loan is permitted at Check `n Go, whether online or at a store.

Finance Schedule

Retail Finance Schedule

Installment Loans

Availability of Installment Loans

Check `n Go arranges installment loans online and in stores.

Governing Law

The loan agreement will be governed by the applicable laws of Texas.

Maximum Loan Amount

The maximum in-store amount for Texas residents is $5,000.
The maximum online amount for Texas residents is $4,500.

Loan Terms

Only one loan is permitted at Check `n Go, whether online or at a store.

Payday Loans

Availability of Payday Loans

Check `n Go arranges payday loans online and in stores.

Governing Law

The loan agreement and Credit Access Business Agreement will be governed by the applicable laws of Texas. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Credit Services Organization

Cash advances in Texas are made by a third party lender. Credit approval is subject to the applicable lender’s credit standards. Actual loan terms (including maximum advance amount) may vary by applicant. Additional fees may apply if not repaid as agreed. Each lender requires certain supporting documentation with each new application. Complete disclosures of APR, fees, and payment terms are provided with each advance and are available from the lenders. For cash advances in Texas, applicant must retain Check `n Go as a credit services organization.

Maximum Loan Amount

The maximum loan amount for Texas residents is $1500. Availability and restricts vary by store location.

Payday Loan Terms

The minimum loan term is 10 days and the maximum loan term is 40 days. For a Check `n Go store location the minimum loan term is 5 days and the maximum loan term is 35 days.

Only one loan is permitted at Check `n Go, whether online or at a store.

Finance Schedule

Online Finance Schedule

Retail Finance Schedule

Installment Loans

Availability of Installment Loans

Check `n Go offers installment loans online and in stores.

Governing Law

The loan agreement will be governed by the Utah Consumer Credit Code. Questions or complaints should be directed to the Utah Department of Financial Institutions.

Maximum Loan Amount

The maximum online loan amount for Utah residents is $5000.

Fax of Pay Stub

For online customers, please fax or e-mail Check `n Go your latest pay stub when applying to ensure timely processing of your loan.

Loan Terms

Only one loan is permitted at Check `n Go, whether online or at a store.

Payday Loans

Governing Law

The loan agreement will be governed by the Utah Check Cashing and Deferred Deposit Lending Registration Act. Questions or complaints should be directed to the Utah Department of Financial Institutions.

Maximum Loan Amount

The maximum loan amount for Utah residents is $1000.

Payday Loan Terms

For a Check ’n Go online loan the minimum loan term is 10 days and the maximum loan term is 40 days. For a Check ’n Go store location the minimum loan term is 5 days and the maximum loan term is 35 days.

Only one online loan is permitted at Check ’n Go.

Utah borrowers may prepay their loans prior to the loan due date without incurring any additional charges or penalties. By prepaying a loan, borrowers may be entitled to a rebate, as specified in the Loan Agreement.

Extensions

You may extend your loan up to a maximum of 3 times. To extend your loan you must pay the current loan fee before the full amount must be satisfied. The maximum term of the original payday loan transaction and all extensions can not exceed 10 weeks. After paying the original loan fee, you will be contracted for an additional loan, for which you will be charged an additional loan fee. Extension requests must be made 2 business days prior to your due date. For an online loan you can request an extension by logging into your account or by calling customer service. For a store loan you must contact the store where your loan was originated.

Finance Schedule

Online Finance Schedule

Installment Loans

Availability of Installment Loans

Check `n Go offers installment loans online and in stores.

Governing Law

The loan agreement will be governed by the Wisconsin Consumer Act. Questions or complaints should be directed to the Wisconsin Department of Financial Institutions.

Maximum Loan Amount

The maximum online loan amount for Wisconsin residents is $5000.

Fax of Pay Stub

Wisconsin requires that all Wisconsin customers have their most recent pay stub on file with Check `n Go when receiving an installment loan. For online customers, please fax or e-mail Check `n Go your latest pay stub when applying to ensure timely processing of your loan.

Loan Terms

Only one loan is permitted at Check `n Go, whether online or at a store.

Payday Loans

Availability of Payday Loans

Check `n Go offers payday loans online to residents of Wyoming.

Governing Law

The loan agreement will be governed by the Wyoming Uniform Consumer Credit Code. Questions or complaints should be directed to the Wyoming Division of Banking.

Maximum Loan Amount

The maximum loan amount for Wyoming residents is $200.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 10 days and the maximum loan term is 30 days.

Only one loan at a time is permitted at Check `n Go.

Extensions

Extensions are not permitted in Wyoming.

Finance Schedule

Online Finance Schedule