Payday Loans

The money you need,
when you need it.

Why online payday loans could be the right choice for you.

  • Payday loans are fast. You can fill out the loan application in as little as five minutes. Upon approval, funds are deposited in your account as early as the next business day*.
  • Payday loans are simple to use. Payday loans don’t require a bunch of hoops to jump through for approval. Typically, you’ll need proof of income, an approved form of ID, and a current bank account.
  • Payday loans are easy to understand. Loan terms and fees are stated upfront. You’ll know exactly how much you will be required to repay and when you have to repay it – before you borrow.
  • Payday loans from reputable lenders are safe. Payday lending is a tightly regulated industry. Responsible lenders like Check `n Go follow strict guidelines which are meant to protect you, the customer.

When you add up the benefits of online payday loans and weigh the alternatives, it’s clear that payday loans can be a good solution for short-term cash problems. Still, only you can decide if a payday loan is right for you. Before making a decision, be sure to consider whether you can afford to repay a payday loan and its fees on time.

If you have concerns about taking a payday loan, don’t worry. Check `n Go is an industry leader and a founding member of the Community Financial Services Association, which promotes responsible lending practices and monitors consumer protection. And we’ll be here for you every step of the process. Our customer service representatives are ready to help when you need it.

Ready to fix your cash crunch? The sooner you apply the sooner you can get the cash you need.

Need more information? Please see our online payday loan FAQs.

The reviews in the section below are a convenience provided by an independent, third party service provider and out of the control of our company, Check ‘n Go. If the you have trouble viewing/reading the reviews, please can contact Check ‘n Go at 1-800-561-2274 for help.

Online payday loans are offered in the following states:

Find a location near you.

Reviews

The reviews in the section above are a convenience provided by an independent, third party service provider and out of the control of our company, Check ‘n Go. If the you have trouble viewing/reading the reviews, please can contact Check ‘n Go at 1-800-561-2274 for help.

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Online Disclosures

Customer Notice: Payday Loans are typically for two-to four-week terms (up to six months in IL). 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.

Rhode Island licensed check casher. California operations licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law and the California Financing Law. Texas loans are 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., and expires 12/31/2019. Minimum loan amount for installment loans in California is $2,505.00

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. Integrity Texas Funding also acts a direct lender in Texas for in-store loans only.

*Approval depends upon meeting legal, regulatory and underwriting requirements. Online applications completed and approved prior to 8 pm (ET) can have funds as soon as the next business day. Retail applications completed online can obtain a "Conditional Approval" at any time. Retail locations can provide funds, upon approval, during regular business hours. Check https://locations.checkngo.com/index.html for detail on store information. All times and dates are based on Eastern Time (ET). Online amounts may vary by state. Please see the website for details. All products and service options are subject to change without notice. Check `n Go may report customer loan information to one or more credit reporting agencies. Late payments, missed payments and other events of default may be reflected in customer credit reports. See checkngo.com for details.

We do not report credit in Ohio, Texas or Illinois.

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, Hawaii, Idaho, Illinois, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Oklahoma, South Carolina, Texas, Utah, Wisconsin, and Wyoming.

Check `n Go currently operates in store locations in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Oklahoma, Ohio, Rhode Island, Tennessee, Texas, Utah, and Wisconsin.

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