Website Usage Terms and Conditions
Thank you for visiting Check ‘n Go’s website at www.checkngo.com (the “Web Site”). Check ‘n Go provides you with access to this Web Site subject to the terms and conditions contained in these Terms and Conditions of Use. These Terms and Conditions of Use were last updated in December 2024. The use of this Web Site constitutes an agreement to these Terms and Conditions of Use, which together with Check ‘n Go’s Privacy Policy govern Check ‘n Go’s relationship with you relating to this Web Site. If you do not agree to comply with and be bound to these Terms and Conditions of Use, please exit this site immediately.
Use of Site
Check ‘n Go expressly authorizes the personal use of this Web Site, which includes viewing its content and making a reasonable amount of copies for the sole purpose of retaining documents for your personal files. The distribution, transmission, display, or duplication of materials contained in this Web Site is prohibited without the prior written consent of Check ‘n Go.
Copyrights
This Web Site contains material that is either owned by Check 'n Go or licensed to Check 'n Go. The service marks, trademarks, or copyrights of Check 'n Go or its subsidiaries or affiliates include, but are not limited to, Axcess, Axcess Financial, Check ‘n Go, Allied Cash Advance, and Pocket360. These and other copyrighted or trademarked materials are protected by applicable federal copyright laws or international treaties. By downloading any trademarked or copyrighted material, you agree that you do not obtain any ownership rights in such material, including the exclusive rights granted by U.S. Copyright law.
Disclaimer of Warranties
This Web Site and its content are provided for your personal use only on an “as is” basis. Check ‘n Go or any of its subsidiaries or affiliates, does not warrant the accuracy, completeness, timeliness, non-infringement, title, merchantability, or fitness for a particular purpose of the content of the Web Site itself, and Check ‘n Go hereby disclaims any such express or implied warranties to the extent permissible by applicable law. Further, Check ‘n Go does not warrant that the content of this Web Site is free from any viruses, worms, or other code that may result in harmful properties notwithstanding Check ‘n Go’s efforts to implement reasonable safeguards to protect against these harmful properties. Check ‘n Go may amend or modify the content of this Web Site in any way without notice.
Third Party Hyperlinks
This Web Site may contain hyperlinks to other Web Sites that are not owned, operated, or maintained by Check ‘n Go. These Terms and Conditions of Use apply only to this Web Site and not to the third party sites. The hyperlinks to the third party sites are provided for your reference and convenience only and do not imply any review or endorsement of any material contained on third party sites or any associations or affiliations with those represented in third party sites or its owners or operators. Check ‘n Go is not responsible for the content contained in third party sites, which may contain information that is inaccurate, incomplete, or outdated. By viewing, using, or relying on information contained in third party sites, you do so solely at your own risk.
Indemnification
In the event that any legal action is taken resulting from your use of this Web Site or any unsolicited information provided by you, you agree to defend, indemnify, hold harmless, and pay any reasonable legal and accounting fees without limitation incurred by Check ‘n Go, its affiliates, its and their directors, officers, employees, agents, investors, or licensers. Check ‘n Go shall have the right, at its option and expense, to participate in the defense and /or settlement of any claim or action, or to assume the exclusive defense and control of any matter otherwise subject to indemnification by you without relieving your indemnification obligations. In no event shall you settle any suit or claim imposing any liability or other obligations on the Parties without its prior written consent.
Choice of Law
These Terms and Conditions of Use shall be construed in accordance with the laws of the State of Ohio.
Minors
This Web Site is not directed at children under the age of thirteen years old. Check ‘n Go does not knowingly collect personal information from children under thirteen years old from this Web Site.
Web Site Security
You are prohibited from violating or attempting to violate the security of this Web Site, including, but not limited to the following activities: (1) accessing data not intended for you or obtaining personal information about any Check ‘n Go Web Site user or customer; (2) attempting to probe, test, or scan the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (3) attempting to interfere with service to any user, host or network, or otherwise disrupt Check ‘n Go business, including, without limitation, by submitting a virus to the Web Site, overloading, "flooding," "spamming," "mailbombing" or "crashing;", or sending unsolicited email, including promotions and/or advertising of products or services.
Mobile Terms and Conditions
Effective Date: May 2025
Transactional Texts
The Check ‘n Go application provides an opportunity to opt-in to Transactional Messages via text message. You can also receive Transactional Messages from Check ‘n Go through your mobile device by texting JOIN to 33484. By doing so, you will receive text messages regarding your transactional events through mobile text alerts using an automatic telephone dialing system. Message and data rates may apply. The number of messages you receive will vary based on account activity. By signing up, you are confirming you are over the age of 18. Check ‘n Go applications received through www.checkngo.com provide an opportunity to opt-in to Transactional Messages via text message.
Check ‘n Go applications provide an opportunity to opt-in to Marketing Messages via text message. You can opt-in to receive Marketing Messages from Check ‘N Go through your mobile device by texting JOIN to 27174. By doing so, you will receive text messages regarding upcoming product offerings through mobile text alerts using an automatic telephone dialing system. Message and data rates may apply. The number of messages you receive will vary based on account activity. Consent to receive Marketing Messages via text message is not required as a condition of purchasing any goods or services. By signing up, you are confirming you are over the age of 18.
STOP Information
Text STOP to 27174 to stop receiving Marketing messages from Check ‘N Go (you will receive a confirmation text).
Text STOP 33484 or 234-752-8473 to stop receiving Transactional messages from Check ‘N Go (you will receive a confirmation text).
For all other programs reply STOP to unsubscribe.
HELP Information
For additional information, text HELP to 27174 or 33484 or 234-752-8473 or contact 800-561-2274.
For all other programs reply HELP for additional assistance.
Supported carriers are:
AT&T, Sprint, T-Mobile®, Verizon Wireless, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, ACS Wireless, Appalachian Wireless, Bluegrass Cellular, Carolina West Wireless, Cellcom, C-Spire Wireless (formerly Cellsouth), Cellular One of East Central Illinois, Cincinnati Bell Wireless, Cross (dba Sprocket), Duet IP, Element Mobile, EpicTouch, GCI Communications, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri Cellular), Illinois Valley Cellular, Immix (Keystone Wireless / PC Management), Inland Cellular, iWireless, Mobi PCS (Coral Wireless LLC), Mosaic, MTPCS / Cellular One (Cellone Nation), Nex-Tech Wireless, nTelos, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Rina - Custer, Rina - All West, Rina - Cambridge Telecom Coop, Rina - Eagle Valley Comm, Rina -Farmers Mutual Telephone Co, Rina - Nucla Nutria Telephone Co, Rina - Silver Star, Rina - South Central Comm, Rina - Syringa, Rina - UBET, Rina - Manti, South Canaan / CellularOne of NEPA, Thumb Cellular, Union Wireless, United, Viaero Wireless, West Central Wireless, Leaco, Nemont/Sagebrush. T-Mobile is not liable for delayed or undelivered messages.
We take your privacy seriously.
Authorization for the Social Security Administration to Disclose Your Social Security
I authorize the Social Security Administration (SSA) to verify and disclose to CNG Holdings through Socure, Inc., their service provider for the purpose of this transaction whether the name, Social Security Number (SSN) and date of birth I have submitted matches information in SSA records. My consent is for a one-time validation within the next 90 days.
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. If approved and originated by 8:00 pm ET on a business day, online loans are typically funded no later than the following 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.
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, 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.