Our loans and other services vary, so depending on how you want to apply (online, in store, or over the phone where available), things will be a little bit different. But generally speaking:
Simply submit your application with all of the necessary requirements.
Get a Decision
Your information will then go through our underwriting process. This will help determine your loan eligibility and, if approved, will dictate your rates and loan amounts.
Once you’re approved, you will be provided with the proposed loan amount, loan rate, due dates, and any other relevant information needed for you to make a decision.
After you accept your terms and originate your Loan Agreement, funding is typically provided the following business day if you applied online, or typically the same day if you applied in person.
Payments are made in accordance with the terms of the Loan Agreement.
It depends. Each loan is unique and based upon many different factors such as income, employment, and the state in which you live. All applications are run through our underwriting process which provides a final decision.
It varies depending on how much you borrow. There are many factors that determine the overall amount you will be responsible to pay back if approved for a loan. The excess amount owed, including interest and fees, over the principal amount borrowed are called finance charges. Your Loan Agreement will detail all amounts expected to pay over the life of the loan, assuming on-time payments.
It varies based on whether you submitted your application online or in store, but typically funds are deposited by the following business day if you applied online and distributed sometimes as soon as the same day at our retail store locations.
Of course! You are always welcome to apply for a loan, but we cannot provide a guarantee of approval or of denial based on any additional loans you may have received until your application has been submitted.
To check if your loan is eligible for refinancing, simply sign in to your Pocket360 account. If eligible, you will be given the option within Pocket360 to apply for the refinancing of your loan. If you have further questions about refinancing, please visit a Check `n Go near you, or call our customer support line at 888-372-9329.
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 12/31/2022. Ohio Short Term License ST.760165.000.
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.
**Transunion CreditView Dashboard is a third party provided service. The material has not been modified or validated by Check `n Go.
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, Idaho, Indiana, Kansas, Maine, Michigan, Missouri, New Mexico, North Dakota, South Carolina, Texas, Utah, Wisconsin,
Check `n Go currently operates in store locations in: Alabama, Delaware, Florida, Idaho, Indiana, Kansas, Michigan, Mississippi, Missouri, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee,
Texas, Utah, and Wisconsin.
Notice to California consumers: In order to process credit applications, service accounts, and provide the best online 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.