Installment Loans, Payday Loans, and Additional Services
Pick From Our Flexible Options
Installment Loans
These loans give you the ability to borrow and then pay overtime. They have longer terms and higher loan amounts and are designed to help you take control of things in a way that works best for you.
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Payday Loans and Cash Advances
Sometimes called cash advances, payday loans are quick, simple, convenient loans with competitive rates and terms. They can make all the difference when you’re in a situation where you need access to money immediately.
A no cost extended payment plan for your payday loan may be available, subject to state restrictions. Click "Learn More" for more information.
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Additional Services
We understand how important it is to make your money work for you. That’s why we offer the Netspend Prepaid Mastercard®.†1
†Netspend not offered in the state of South Carolina.
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Why Check`n Go?
Because we care about our community. When we opened the doors to the first Check `n Go store in Covington, Kentucky all the way back in 1994, we never imagined we’d be able to help change so many lives. Since then, we’ve grown to be an industry leader both online and throughout the U.S.
BECAUSE
We’re 24/7
BECAUSE
We’re 24/7
We understand that when you need your money, you need your money. That’s why we’re available around the clock* online to help you get an approval anytime day or night.
BECAUSE
Security Matters
BECAUSE
Security Matters
We want to support you however we can, so in addition to helping you with your financial security, you can rest assured that your digital security and identity will also be protected whenever you use our services.
BECAUSE
You're Worth It
BECAUSE
You're Worth It
Thousands of people just like you all across the country use our services every day to help get their financial situations back on track. We believe in what you’re trying to do, and we’re proud to be able to help make a difference.
Don't just take it from us
LISTEN TO THEM
They have really helped us in times of need, and the customer service is GREAT!!! About 2 years ago we were in need to sponsor a church trip and at the last minute they were there for us.
Robert W.For a while I was struggling financially and bills were piling up. They helped keep me afloat when I needed it most. Always grateful for the wonderful service I received.
Jorge G.It is easy to apply and pay back. They helped me when money was tight due to a new baby and being on maternity leave. It helped pay the bills until I got back to work.
Ashley H.The staff is always very friendly, respectful and a pleasure to work with. They helped me when my family and I struggled with medical bills
Morgan B.There is no hassle, everyone is super nice. Just overall always have a great experience.
Trevor L.They're always there when I need them. Applying is quick and easy! They've helped me when my air conditioner has gone out and any time I've had little emergencies and needed the extra cash. It can be rough being a single mom of four sometimes.
Samantha L.You Can Count on Check `n Go
Loans Rates and Terms by State
Select your state below to view important rates, terms, and disclosures unique to the state.
Online Disclosures
Customer Notice: Payday Loans are typically for two- to four-week terms. Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. See State Center for specific information and requirements.
California operations licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law. Texas loans originated by a third-party lender, restrictions apply. Eastern Specialty Finance, Inc., D/B/A Check ‘n Go is licensed by the Delaware State Bank Commissioner pursuant to 5 Del. C. sec. 2201 et. al.
Check `n Go Online is not a direct lender in Texas, where instead it acts in the capacity as a Credit Services Organization in conjunction with third-party lenders.
*Active checking account open for at least 30 days.
*Approval depends upon meeting legal, regulatory and underwriting requirements. Originated loans can be funded in as little as 30 minutes to a Visa debit card. Funding times may vary based on the consumer debit card bank. Funding to a MasterCard may be subject to restrictions. Funding by ACH may occur as soon as the same day. All times and dates are based on Eastern Time (ET). Check `n Go and third-party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third-party lenders may take that into consideration in the approval process.
Payday Loans in Indiana are available for a maximum of $825 for online loans
We do not report credit in Texas.
Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender’s terms and conditions. Actual loan amounts vary. See State Center for specific information and requirements.
Check `n Go currently operates online in: Alabama, California, Delaware, Florida, Idaho, Indiana, Kansas,, Michigan, Missouri, South Carolina, Texas, Utah, and Wisconsin.
Check `n Go currently operates in store locations in: Alabama, Delaware, Idaho, Michigan, Missouri, Oklahoma, South Carolina, Texas, Utah, and Wisconsin.
The Company, individually or through its affiliates, is licensed as a Debt Collector by the California Department of Financial Protection and Innovation (DFPI), License Number 10435-99.
Notice to California consumers: Information on your privacy rights under the California Consumer Privacy Act can be found by reviewing the California Consumer Privacy Act (CCPA) Policy.
This retailer engages in money transmission services as an authorized delegate of Oura Global, Inc. (NMLS #932678). State licenses, disclosures, and complaint information may be found here www.netspend.com/help/licenses.
The Netspend Prepaid Mastercard is issued by Pathward®, National Association, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend is a registered agent of Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Card may be used everywhere Debit Mastercard is accepted
© 2025 Ouro Global, Inc.