Payday loans, sometimes called cash advances—are quick, simple, and 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.
Yes! Check `n Go accepts Social Security and disability payments as an income source for payday loans. To apply online, you’ll simply need to report that this is your source of income. Depending on where you live, you may also need to fax a copy of your award letter during the application process, based on the regulations of your state of residence.
It varies based on whether you submitted your application online or in store, but typically funds for payday loans 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.
All payments must be paid on the agreed-upon due date provided in your contract to avoid any fees or penalties. To check when your payment is due, review your Loan Agreement or log-in to your P360 account and view your active loans.
If you are having difficulty paying back your payday loan or cash advance, you may request an extended payment plan. An extended payment plan is an arrangement that allows you to pay back the amount of your loan through smaller payments made over time. Availability and terms of extended payment plans vary by state. Contact the store where you originated your loan or call 1.800.561.2274 to see if an extended payment plan is available to you. An extended payment plan is not available for installment loans.
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Loans Rates and Terms by State
Select your state below to view important rates, terms, and disclosures unique to the state.
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.