Check `n Go Connect & Collect Referral Program Terms & Conditions
1. Eligibility
The Check `n Go Connect & Collect Referral Program is open only to existing customers in good standing (“Referrers”) who are legal residents of the United States, 18 years of age or older. Wisconsin residents are not eligible for this program. Employees, contractors, and their immediate family members are not eligible to participate.
2. How to Participate
Customers must enroll into the referral program with Ambassador in order to refer customers to become a Referrer. Customers will be able to enroll in the referral program by using a QR code posted in store or a link they receive by E-mail. Once a customer is registered and is a Referrer, they will receive a QR Code or unique code that can be shared with family and friends. To refer a friend or family member (“Referee”), the Referrer must share their unique referral link or code provided by Check `n Go. The Referrer can share the code through e-mail or social media.
The Referrer must meet the following success criteria:
- Have had an installment loan with Check `n Go.
- Must be in good standing with their loan, an open loan that is current or delinquent (not charged off), or have a loan that is paid in full.
- Cannot share a checking account with the Referree.
The Referee must meet the following success criteria:
- Be a new customer who has never previously held an account or completed a transaction with Check `n Go or an affiliate.
- Apply for and originate a qualifying installment loan through Check `n Go (must not rescind the loan).
- Meet all standard loan eligibility requirements.
- Must make the first payment, and it must clear the referee’s bank account.
- Cannot share a checking account with the Referrer.
3. Reward Conditions
The Referrer will receive a reward only after the Referee’s qualifying loan has been originated, funded, and has not been rescinded. The payout to the Referrer will occur the business day after the rescission period of the referee’s new loan. When the Referrer has met the success criteria for a referral, the Referrer will receive the following referral payout as a Visa Gift Card from Ambassador via email:
- First referred customer is $50.00
- Each subsequent referred customer is $75.00, up to the maximum for the calendar year,see below.
The Referee will receive a reward only after they have made their first payment in full and on time. The payout to the Referee will occur on the 6th calendar day after the first installment payment due date. When the Referee has met the success criteria for a referral, the Referee will receive a referral payout of $50.00 as a Visa Gift Card from Ambassador via email.
Rewards are issued in the form stated in the promotional materials (e.g., Visa® e-gift card). Rewards have no cash value, are non-transferable, and may be subject to expiration dates or additional issuer terms. All Gift Cards will default to Electronic Visa Gift Cards. Customers can choose to have a physical Visa gift card mailed. If a physical gift card is chosen, the gift card balance will be reduced by $3.00.
Referrers must enroll into the referral program with Ambassador. Referees will be auto enrolled within Ambassador once they earn a payout. When a Referrer or Referee earns a payout, they will receive an e-mail with a link to log into the Ambassador Portal rewards. This e-mail link will be active for six months.
When a Referrer and Referee earns a payout amount that will put them over the $500 maximum, the customer will receive an adjusted payout for an amount that will take them to the maximum of $500 and not over.
4. Limitations
- A maximum of $500 in referral rewards may be earned per calendar year per Referrer
- A Referee is eligible to receive a maximum of one referral payout; however, a successful
- Referee can become a Referrer and is eligible to receive the maximum of $500.00 inreferral and referee payouts in the same calendar year.
- Self-referrals are prohibited.
- Multiple Referrers may not claim credit for the same Referee.
- Rewards may be taxable; participants are responsible for all applicable taxes.
5. Program Changes
Check `n Go reserves the right to modify, suspend, or terminate this Program at any time without notice.
6. Fraud and abuse
Check `n Go reserves the right to withhold or revoke rewards if it determines, in its sole discretion, that there has been fraud, misuse, or a violation of these Terms & Conditions.
7. Disclaimer
8. Agreement to Terms
9. Force Major
10. Choice of Law
Loans Rates and Terms by State
Select your state below to view important rates, terms, and disclosures unique to the state.
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.