Payday Lenders and Other Payday Loan Companies – They’re not All the Same

Offering payday loans, installment loans and more, Check `n Go was founded to serve the money needs of people who are often ignored by banks. We opened the doors of our first payday loan store in Covington, Kentucky in 1994. Since then, we’ve grown to be an industry leader and a source of money solutions for real life. Our loans are available online and at nearly 1,000 stores in the U.S. We also offer check cashing and the Netspend Prepaid Mastercard®.

Life is unpredictable. When unexpected money needs arise, we help people make ends meet. Our payday loans and installment loans give customers the flexibility to pay bills, cover unplanned expenses and get back on track.

A Trusted Place to Turn

Customers can apply for a loan online or at one of our convenient locations. The process is easy and our loan decisions are quick. With every payday loan or installment loan, rates and terms are explained up front.

We know that people facing a money crunch can’t afford to wait. Customers who are approved online for a payday loan or installment loan typically receive their funds as soon as the next business day. At Check `n Go stores, approved customers receive their funds before leaving the store.

Peace of Mind for our Customers

At Check `n Go, we take great care to protect our customers’ information. We use a respected provider of advanced online security to safeguard customer information used in online transactions. At Check `n Go store locations, information is handled according to company guidelines for confidentiality and security.

Protecting and respecting our customers’ privacy is another key concern at Check `n Go. To learn more, see our Privacy Policy.

Tips for Protecting Your Personal Information

We care about you – and we’re always looking for ways to help you protect your personal information. Here are some tips designed to help keep your personal information safe:

  1. Collect mail right away. Don’t let it sit in your mailbox, where thieves may be able to grab it.
  2. Check your bank statements regularly. Promptly report any unauthorized transactions to the bank.
  3. Shred bills, account statements, credit card offers and other mail before you discard them to keep thieves from getting your personal information.
  4. Don’t give out your personal information by email, online or over the phone to someone who asks for it – even if the request looks or sounds like it comes from your bank, the IRS or some other source you recognize. Scammers often use this technique (known as phishing) to get their hands on your personal information.
  5. When in doubt, call the bank or other source at the number listed on its official website to see if the request was legitimate. Don’t use a phone number or web address given to you by the suspected “phisher.” Those may be fake, too!
  6. Don’t click on links, pop-ups or email attachments unless you absolutely trust the source.
  7. Use strong passwords, and never use the same password for multiple accounts. Steer clear of using a password that someone might easily guess, like a pet’s name.
  8. See if any of your online accounts support two-factor authentication, and turn it on if you’re not using it already. By requiring a text code or some other piece of information in addition to your password, two-factor authentication offers an extra layer of protection.
  9. Install security software on your computer and other devices. When you receive updates, be sure to run them promptly to protect against viruses and other types of attacks.
  10. Check your credit report from each of the three major agencies at least once a year. You can request these for free at

Get the money you
need – when you need it.


An easy way to make it to your next payday. Get the money you need in a few steps.


Borrow larger amounts and repay over time, according to your pay schedule.


The help you need without the hassle of credit cards or credit rating approval.


It’s your money. Get access to it in your neighborhood and on your schedule.

Debit Cards

Sometimes you need more flexibility and convenience than just having cash in hand.

Norton Secured, powered by Verisign (Link to Verisign Homepage)

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.

Rhode Island licensed check casher. 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., and expires 12/31/2021.

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.

*Approval depends upon meeting legal, regulatory and underwriting requirements. If approved and originated by 8:00 pm ET on a business day, online loans are typically funded the next business 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.

We do not report credit in Ohio or 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, Hawaii, Idaho, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, South Carolina, Texas, Utah, Wisconsin, and Wyoming.

Check `n Go currently operates in store locations in: Alabama, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Utah, and Wisconsin.

Notice to California consumers: In order to process credit applications, service accounts, and provide the best online and in-store experience, Check ‘n Go collects various categories of information on consumers during the application process. Categories of information may include internet protocol address, internet and network information, geolocation data, product preferences, and inferences drawn from this information.

© 2021 Check `n Go. All rights reserved. 7755 Montgomery Road Cincinnati, OH 45236.

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