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Emergency Installment Loans
Have you ever found yourself in a bit of a financial pickle? Perhaps your car needs unexpected, expensive repairs or you find the medical bills piling up faster than your paychecks are coming in. That's where an emergency loan can help. Emergency loans come in the form of funds that can help you out of a jam monetarily. Emergency loans come in several forms, such as installment loans and payday loans.
Read on to learn more about the kinds of emergency installment loans you may qualify for with Check `n Go and to help decide which type would best fit your financial situation.
Advantages of Check `n Go Emergency Installment Loan
Check `n Go is equipped to help you with any of your emergency installment loan needs. The advantages of Check `n Go emergency loans are many and include:
- Quick application process. While a bank loan application process could take weeks, our applications can be processed quickly. You may even see your emergency loan deposited in your bank account no later than the following business day.*
- Predictable payments. Your payments will be predictable (the same amount due on the same date, every month) and can make fitting them into your budget easier.
- Avoid credit card debt. There may be no need to open another credit card or run up your credit card charges to pay for unexpected expenses.
- Less stress! Take a load off your mind knowing your financial situation may be taken care of sooner rather than later.
Additional advantages include:
- Check `n Go operates over 350 retail stores in the United States, which means more opportunities for you to find an emergency loan in your neighborhood.
- On our website visitors can research products, apply for loans online, view their accounts, make payments online, and more.
Choose the Right Emergency Installment Loan
Before you apply for an emergency loan, make sure to consider the factors involved.
Eligibility. First and foremost, find out if you're eligible for an emergency loan. This could save you a lot of time in the long run. Credit score is a factor but not the only one. Learn more on our Getting Started FAQ. Find information on how to improve your credit score here.
Loan amount. Next, consider how much money you'd like to borrow with your emergency loan. You might have a specific amount in mind that will cover your immediate expenses. Once you apply, you'll know how much you qualify for your loan.
Time to funding. Once approved, most of our customers receive their funds no later than the following business day. If you need to pay for something in a hurry (like a car repair to get you to work), then an online emergency loan might be a good choice.
Fees and interest rates. When looking into emergency loans, give some consideration to the interest rates and fees that will be associated with the loan.
Terms for repayment. Terms for repayment may vary but repayment is typically based on pay cycle/frequency. It's important to make payments on the agreed-upon due date provided in your contract to avoid any fees or penalties.
Steps to Apply for an Emergency Installment Loan
Are you nearly ready to apply for an emergency installment loan? Learn the steps you may be required to take to apply for an installment loan online.
- Gather up the documents you'll need during the application process.
- Proof of income
- Valid government ID
- Your checkbook or checking account's routing and account number
- Your social security number
- Next, fill out the application. You can apply online.
- Once you've applied, you'll need to find out if your loan was approved.*
- Review your loan documentation. Make sure you understand all terms and conditions.
- Repay your approved loan and any fees according to your online installment loan terms and conditions.
FAQs: Emergency Installment Loans
Can I get an emergency loan with a bad credit score?
There's no way to know if your credit score will keep you from getting approved for a loan or not without submitting your application for review.
While credit is a factor in the underwriting process, we cannot say if bad or no credit will prevent you from getting approved, so submit your application today for a full review and credit decision.
How fast can I get an emergency loan?
How fast you get your emergency loan depends on various factors. You may get your emergency loan no later than the following business day.*
How do I pay for my emergency installment loan?
Once you've considered all your installment loan options, applied and been approved for the loan, and started receiving funding, it'll be time to start paying it back. Online loans can be set with voluntary AutoPay to withdraw your payment amount on the scheduled due date for your convenience. You can also make a payment using a Visa® or Mastercard® debit card. Please call a customer service agent at 888-372-9329 or log into Pocket360 account.
It's helpful to account for your new loan payment by including the amount of the loan right into your monthly budget.
What do you need for an emergency installment loan?
You’ll need to gather some documents, which are needed during the online application process, including proof of income information, a valid government ID, your checkbook or checking account's routing and account numbers, and your Social Security number (some states require official documentation of your SSN).
Are emergency loans safe?
Like with most things, there are both pros and cons to getting an emergency loan. Pros include predictable payments, quick access to money, avoiding adding more debt to your credit cards, and peace of mind. Cons include a potential negative impact on your credit score for late or missed payments and paying interest on your installment loan in accordance with the terms you agreed to.
If an emergency installment loan seems like the right choice for your circumstances, budget, and financial situation, then Check `n Go can help.
Other useful emergency loan information:
What Is An Emergency Installment Loan And How Does It Work
Emergency Installment Loans to Build Credit
Difference Between Emergency Installment Loans and Emergency Payday Loans
Installment Loans Make Getting Your Money Simple
You Can Count on Check `n Go
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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.
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 $660 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, Maine, Michigan, Missouri, North Dakota, South Carolina, Texas, Utah, Wisconsin, and Wyoming.
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 clicking here.