How Our Application and Loan Process Works

Whether you’re a new customer to Check `n Go or one of our valued returning customers, you will find our application process to be fast, secure and easy. Depending upon the state and products available, we offer the ability to apply in a store or online.

New Customers
Online
At a Check `n Go Store

Returning Customers
Online
At a Check `n Go Store

New Customers

First time applying for a loan with Check `n Go? Great, let’s get started! You can choose from two convenient ways to apply:

Online

Applying online is fast and easy and only takes about 15 minutes. Our online application and website are secure. And, if approved, you could receive your funds as soon as the next business day.

1. Complete our secure online application. To fill out the application, you will need to provide certain information, so we suggest having the following readily available: a valid U.S. government-issued photo ID; income information; your Social Security number; and the bank routing number and account number for an active checking account. We will notify you if you need to provide actual documents to us.

2. You’ll typically know if you’re approved right away, and you’ll be able to select the amount you want to borrow.

3. In some states, you may have more than one product available to you. You will be able to select which loan product you wish to get.

4. If approved, you will eSign your loan documents. The number of eSign documents will vary by state.

5. Once your application is finalized, you will receive your loan funds. These funds can be deposited as soon as the next business day, but it might take longer with some banks.

6. Pay back your loan and fee when they’re due using electronic withdrawal. In some cases, you may be eligible to refinance, extend your due date or convert to another loan type. These options all depend upon what is allowed in your state and what you qualify for based on other factors. Prior to your payment(s) being due, we will typically notify you in email of the options available to you.

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At a Check `n Go Store

You may also apply in one of our stores. Some states don’t allow us to offer the ability to apply online, and we may offer different products in our stores.

1. Find a nearby Check `n Go location and come in to fill out an application. Or you can start the process online and complete your application in store.

2. In order to apply, be sure to have with you: a valid U.S. government-issued photo ID or the Matricula Consular card; a working phone number; proof of income; and proof of an active checking account. In Alabama, Indiana and Nevada, you will also need proof of a valid Social Security number (SSN).

3. Once you have submitted all of your documents and completed application, you should receive a decision quickly. The frequency of payments will typically be set based on your pay cycle. Our friendly associates will notify you if you have the ability to make changes to your payment schedule, so you can personalize your loan before finalizing.

4. If approved, confirm and sign your loan documents.

5. Have your funds before you leave the store. Typically, you can get some cash immediately. But for larger loan amounts, we recommend receiving the balance as a check or on a Netspend prepaid debit card (if available at your location). State rules or limitations may apply, so ask a store associate about the options available when it comes to receiving your funds.

6. Pay back your loan and fee when they’re due. In some cases, you may be eligible to refinance, extend your due date or convert to another loan type. These options all depend upon what is allowed in your state and what you qualify for based on other factors. Prior to your payment(s) being due, we will typically notify you of other options.

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Returning Customers

Have you had a loan with Check `n Go in the past? If so, then welcome back – we’re excited to serve you again! Here’s why coming back to Check `n Go is a smart choice:

• Your chances of getting approved are higher. We approve a larger percentage of our returning customers.

• Applying is typically faster and easier the next time. No long, complicated processes or waiting days for approval.

• Our process is worry-free. You’ve seen for yourself what it’s like to borrow from Check ‘n Go. Why take a chance with a lender you don’t know?

Online

Applying for another loan online is fast and easy and only takes minutes. Our online application and website are secure. And, if approved, you could receive your funds as soon as the next business day.

1. Log into ‘My Account’. If you have forgotten your ID or password, then it’s easy to reset them.

2. After you successfully log in, go to the online application. You can get to it by clicking on any of the Apply Now buttons on the website.

3. Select your next payday date.

4. The rest of the online application will be pre-filled with all of your information. You will need to review this information and make sure it’s all still accurate.

5. If any information has changed, you will need to update the application. We will notify you if any other documents need to be provided.

6. You’ll typically know if you’re approved right away, and you’ll be able to select the amount you want to borrow.

7. In some states, you may have more than one product available to you. You will be able to select which loan product you wish to get.

8. If approved, you will eSign your loan documents. The number of eSign documents will vary by state.

9. Once your application is finalized, you will receive your loan funds. These funds can be deposited as soon as the next business day, but it might take longer with some banks.

10. Pay back your loan and fee when they’re due using electronic withdrawal. In some cases, you may be eligible to refinance, extend your due date or convert to another loan type. These options are all contingent upon what is allowed in your state and what you qualify for based on other factors. Prior to your payment(s) being due, we will typically notify you in email of the options available to you.

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At a Check `n Go Store

You may also apply again in one of our stores – it’s fast and easy, and our friendly associates are always there to help answer questions or explain the process.

1. Come see us at a nearby Check `n Go location.

2. If you have completed a paper application in the last 365 days and are applying at the same store as your last loan, then you won’t need to fill out another application. However, if it’s been more than 365 days or you apply at a different store, then you will need to complete a new application. You can start the process online and complete your application in-store.

3. You will need to bring recent proof of income (for example, your last paystub) and let us know about any changes to your income. You will also verify your next pay date.

4. The associate helping you will verify your bank information.

5. If any of your other information has expired or changed, it will also need to be updated (for example, your ID has expired since your last loan). Just in case, we recommend you have the following items: a valid U.S. government-issued photo ID or the Matricula Consular card; proof of income; a working phone number; and proof of an active checking account. In Alabama, Indiana and Nevada, you will also need proof of a valid social security number (SSN).

6. Once you have provided up-to-date information and completed an application (if you need to fill a new one out), you should receive a decision quickly. The frequency of payments will typically be set based on your pay cycle. Our friendly associates will notify you if you have the ability to make changes to your payment schedule, so you can personalize your loan before finalizing.

7. If approved, confirm and sign your loan documents.

8. Have your funds before you leave the store. Typically, you can get some cash immediately. But for larger loan amounts, we recommend receiving the balance as a check or on a NetSpend prepaid debit card (if available at your location). State rules or limitations may apply to the tender, so please ask a store associate what options are available to you.

9. Pay back your loan and fee when they’re due. In some cases, you may be eligible to refinance, extend your due date or convert to another loan type. These options are all contingent upon what is allowed in your state and what you qualify for based on other factors. Prior to your payment(s) being due, we will typically notify you of other options.

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