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The Main Differences Between FICO and VantageScore When It Comes to Credit

Lenders have two primary options to look at when evaluating your credit because everything comes down to a score. Most creditors will use your FICO score to decide whether you are creditworthy. People usually think of their FICO score when…
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Is Co-Signing a Loan a Good Idea?

Do you have a friend or family member who needs a little financial help but can't get a loan on their own? In these sorts of situations, it's possible that you might be asked to co-sign the loan. Co-signing a loan essentially means you're…
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What to Do After Identity Theft

DISCLAIMER: This article is provided for informational purposes only. This is not legal advice. Taking the actions specified in this article does not guarantee resolution of identity theft issues. Being the victim of identity theft can…
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How to Contest an Entry on Your Credit Report

The effects of negative information on your credit report can be dramatic. When you are on the bubble for a loan, even one missed payment can make the difference in how your application fares. The good news is that credit bureaus are legally…
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9 Ways to Earn Money Online

With the current COVID-19 pandemic, a lot of people are looking for work whether it's full time or part time. There are plenty of ways you can earn money online, without even having to leave your home. Here are some ideas for how to make cash…
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Keys to Not Breaking the Bank on Child Care During Spring Break

Working parents often find themselves trapped between their finances and their need to have their children cared for when they are on spring break. The cost of hiring a babysitter for the entire break can be immense, and during the pandemic,…
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Tax-Time Questions and Stimulus Myths for 2020

The pandemic has changed our lives in countless ways, and this year’s taxes are no exception. If you received stimulus payments or unemployment benefits in 2020, there are some critical things to know before filing your tax return. Here’s…
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10 Safe and Affordable Ways to Celebrate Valentine’s Day

COVID-19 has changed many of our approaches to the holidays, and there’s another important one coming up soon for couples: Valentine’s Day. But even before the global pandemic, plenty of couples looked for ways to avoid the crowds,…
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6 Financial New Year’s Resolutions

The new year is a natural time to reset for many of us, and presents an opportunity to turn a new leaf, dare to be optimistic, and focus on personal growth. One area people may want to improve is their finances — whether that means…
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6 Ways to Pay Down Holiday Debt

The holidays are not only the most wonderful time of the year, but they also tend to be the most expensive. So, if you’re feeling a bit of a holiday debt hangover, you're not the only one. Last year, Americans took on an average of $1,325…
A woman and young girl wrap Christmas presents on a wooden table next to a red candle

3 Tips to Save on Holiday Gift Wrapping

The holidays can really drain your wallet when you have a long shopping list of gifts. Now, add to that the cost of gift wrapping, gift tags, and holiday cards, and the cost of the season keeps going up. In some years, people in the U.S.…

10 Inexpensive Ways to Celebrate the Holidays This Year

The holidays are a cozy, family-filled time of year — and they also tend to get really expensive. Between purchasing gifts, choosing a tree, decking the halls of your home, and attending festive events, it’s easy to spend more money than…

Safe Holiday Shopping Tips during COVID

With the holiday season right around the corner, retailers and shoppers would normally be gearing up for major in-store events, like Black Friday. But the COVID-19 pandemic means things are a bit different this year — for stores and…
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On Your Mark, Get Set, Shop!

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Whether you’re braving the crowds this Black Friday or taking advantage of extended sales from retailers in the era of COVID-19, there are some deals that always seem to make the cut on Black Friday- even in 2020. Although it is easy…
Girl and boy trick-or-treaters wearing protective face masks

10 Safe and Affordable Ways to Celebrate Halloween in 2020

2020 has brought us enough tricks to last for the next decade of Halloweens, but try explaining that to kids. While many families are understandably uncomfortable with traditional trick-or-treating during a pandemic, there are plenty…
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Businesses Don’t Just Want to Hear From You — They Need To

When we first opened in 1994, Check `n Go was a small, family-owned business focused on helping people in need. So much of what we do and how our business operates can be traced back to customer feedback. Technology, knowledge sharing,…
smiling woman typing on computer

10 Tips to Start Saving Money Today

Living paycheck-to-paycheck leaves little, if any, wiggle room for unexpected expenses, savings, or the ability to treat yourself every now and then. When it comes to balancing a budget, most adults find themselves at the beginning of…
man and woman smiling at each other while holiday shopping

Holiday Spending - Budget Tips

Believe it or not, the holiday season is right around the corner. For many, that means waging a yearly struggle with financial planning for the holidays, which may have you asking: How much can I spend? Will I go into debt? Do I have enough…
woman smiling while paying with credit card

6 Important Facts About Overdraft Fees

When you accidentally spend more than what you have, it’s nice to know that overdraft protection has your back. But with overdraft fees the highest they’ve been since the financial crisis in 2008, overdraft “protection” might not be…
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Get Rid of Your Most Expensive Debt — Credit Card Debt

The average American family is carrying a lot of debt, with balances continuing to rise. It may be tempting to blame consumer debt, such as credit cards and loans, on reckless spending, but it’s important to understand the reasons behind…
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IRS Scams - Avoid IRS Fraud

Every year, the Internal Revenue Service (IRS) issues warnings to taxpayers to be on the lookout for new and more convincing tax scams. In 2019 alone, the IRS identified $1.8 billion of total tax fraud, which includes some of the most…
7 Ways to Beat the Heat This Summer

7 Ways to Beat the Heat This Summer

Extreme heat can be dangerous. Under normal conditions, the government recommends people go to air-conditioned places to cool off such as movie theaters, and libraries. But with social distancing in place, some of these options are off the…
man and woman smiling at each other while holding credit card

Saving Money for Beginners, Part 1: How Do I Start Saving?

Training yourself to save money might seem impossible at first, but it’s an invaluable skill that will serve you well throughout your life. When you’re hit with unexpected costs or a drop in income, a rainy day fund can mean the difference…
7 Ways to Celebrate Your Graduate in 2020

7 Ways to Celebrate Your Graduate in 2021

The coronavirus pandemic threw the Class of 2020 graduates into a tailspin, as high schools and universities cancelled or postponed graduation ceremonies. Even as restrictions are lifting and vaccinations are rolling out, things may still…

5 Steps to Help You Get Out of Debt

“Every time I sat down to pay bills, I felt like I couldn’t breathe. Our debt was so overwhelming. Sometimes it felt like someone had dropped a huge rock on my chest.” That’s how Vanessa described her state of mind before she…
Celebrating Memorial Day in 2020

Celebrating Memorial Day in 2020

Memorial Day weekend is typically filled with family, friends, and neighborhood gatherings.  Pools open and grocery stores are generally packed as people plan for their outdoor BBQ’s which include a mix of good food and maybe a couple…
Popular IRS Scams of 2019: How to Avoid and Stay Protected

Popular IRS Scams of 2019: How to Avoid and Stay Protected

When it comes to protecting your personal or financial information, it’s never a bad idea to be overly cautious. With 2019 halfway over, there has been no shortage of frauds and scams. The IRS recently released a list of this year’s…
Easy Ways to Transfer Money

Easy Ways to Transfer Money

When it comes to getting cash to friends or family members fast, many people turn to wiring services. Thanks to the wonders of technology, transferring funds from one person to another is easier than ever. Whether you’re making a purchase…
Phishing: How to Avoid Becoming a Victim

Phishing: How to Avoid Becoming a Victim

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Have you ever received an email for winning the Nigerian lottery or a call from credit card services offering to lower your interest rate? Did you respond with personal information? If you answered yes to one of these questions, you may…
4 Ways to Owe Less on Taxes (or Even Get a Refund) Next Year

4 Ways to Owe Less on Taxes (or Even Get a Refund) Next Year

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April 15 isn’t a favorite day on the calendar for people who owe taxes. If you’re in that group, there may be ways to lower your tax bill for next year. Whether it’s increasing your refund or simply paying less in taxes, these four…
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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.

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