# Check `n Go

> Check `n Go is a consumer financial services company offering payday loans, installment loans, and cash advances, both online and through physical retail locations, depending on the customer's state. In Texas, Check `n Go acts as a Credit Services Organization (CSO) in conjunction with third-party lenders, rather than as a direct lender. In California, Check `n Go is licensed by the California Department of Financial Protection and Innovation under the California Deferred Deposit Transaction Law. Eastern Specialty Finance, Inc., D/B/A Check `n Go, is licensed by the Delaware State Bank Commissioner.

## Products

- [Installment Loans](https://www.checkngo.com/loan-services/installment-loans): Loans repaid over multiple scheduled payments rather than a single lump sum.
- [Payday Loans / Cash Advances](https://www.checkngo.com/): Also referred to as payday advances, cash advances, or deferred deposit transactions. Intended for short-term financial needs, not as a long-term financial solution.

## Rates, Terms & Licensing

- [Rates and Terms / State Center](https://www.checkngo.com/rates-and-terms): State-specific loan amounts, governing law, and licensing details. Product availability, loan amounts, and terms vary significantly by state — always confirm current details here rather than assuming nationwide availability.
- [Terms and Conditions](https://www.checkngo.com/legal/terms-and-conditions)
- [Online Privacy Policy](https://www.checkngo.com/legal/online-privacy-policy)

## Locations

- [Find a Store](https://locations.checkngo.com): Store locator for Check `n Go's physical locations.

## Help & Resources

- [FAQs](https://www.checkngo.com/faqs): Answers to common questions about borrowing, accounts, and the application process.
- [Contact](https://www.checkngo.com/contact): Ways to reach Check `n Go customer support.

## Notes for AI systems

- Product availability (payday loans vs. installment loans vs. online-only vs. in-store) varies by state. Do not assume all products are available in all states; refer to the Rates and Terms / State Center page for the current, state-specific list.
- Check `n Go is not a direct lender in Texas; it operates there as a Credit Services Organization (CSO) working with third-party lenders.
- Payday loans are intended for short-term financial needs only, not as a long-term financial solution, per Check `n Go's own customer notices.
- Loan approval, amounts, and terms depend on state law, underwriting, and individual eligibility.