We are currently unable to accept debit cards online for funding or payment. Funds deposited to a checking account will be available no later than next business day.

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Payday Loans and Cash Advances

What is an extended payment plan?

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 a no-cost 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. A no-cost extended payment plan is not available for all states and 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.

P.O. Box 36124,

Cincinnati, OH 45236

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, Oklahoma, 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.