Idaho Loans and Check Cashing

Caught short between paychecks?
Our loans can help!

In Idaho, Check `n Go is your go-to resource for installment loans, check cashing, and the Netspend Prepaid Mastercard®. If you need to consolidate bills or have money needs that can’t wait, visit one of our stores or start your application online now.

The Choice Loan™ is available from $300 to $5000 at Idaho Check `n Go stores. When you apply for a loan at one of our stores, our friendly associates will be happy to answer your questions and guide you through the process. If your loan is approved, you could receive your funds before leaving the store. We have stores in Boise, Meridian, Idaho Falls and other locations around the state. Check our store locator to find your nearest location. Or you can start your application online now and finish it at a store. Either way, you could have the funds you need today.*

Check `n Go also offers installment loans online, with amounts that range from $500 to $5000. Our online application is available 24 hours a day, seven days a week. You can apply when it’s convenient for you, without leaving home. When you start your application online, you will get to choose which product you want to apply for – an installment loan or The Choice Loan.

Check `n Go is a great resource for your other financial needs, too. At our stores, we offer check cashing and the Netspend Prepaid Mastercard®.

There’s no time like the present to apply for the funds you need – whether you do it all online or pick up your funds at a store. To apply for a loan or pick up your funds in a store, we may ask for a valid form of identification, income information, an active checking account and a working phone number. You can call your store first to confirm, and we will tell you what is required during the application process. Get started with your application today!

Idaho Rates and Terms

Online Products:
Installment Loans

Instore Products:
Check Cashing
The Choice Loan


Privacy & Security

Whether online, over the phone, or at our neighborhood locations, we set the industry standard for integrity and security.

Idaho Installment Loan Rates and Terms

Availability of Installment Loans

Check `n Go offers installment loans online.

Governing Law

The loan agreement will be governed by the Idaho Credit Code. Questions or complaints should be directed to the Idaho Department of Finance.

Maximum Loan Amount

The maximum online loan amount for Idaho residents is $5000.

Fax of Pay Stub

Idaho requires that all Idaho customers have their most recent pay stub on file with Check `n Go when receiving an installment loan.  For online customers, please fax or e-mail Check `n Go your latest pay stub when applying to ensure timely processing of your loan.

Loan Terms

Only one loan is permitted at Check `n Go, whether online or at a store.


  • A regular, verifiable source of income
  • An active checking account
  • A working phone


  • Your most recent pay stub OR your most recent bank statement
  • Your checkbook
  • Driver’s License or government -issued photo ID
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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 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 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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