Michigan Payday Loans and Cash Advances

Caught short between paychecks?
Our payday loans can help!

Life can be unpredictable – especially when it comes to money. That’s why Check `n Go offers payday loans to help Michigan residents cover expenses until payday.

Applying online is easy with Check `n Go. You can apply for a loan online anytime, anywhere. Payday loan amounts range from $100 to $600 if you apply using our online loan application. If approved, funds could be deposited in your checking account as soon as the next business day.

Or if you want to apply in person, stop by one of the more than 100 Check `n Go stores that offer Michigan payday loans. In-store loan amounts range from $50 to $600. Visit a store near you, and one of our friendly associates will walk you through the application process. If your loan is approved, you could receive your funds before leaving the store.

Michigan Check `n Go stores also offer check cashing and the Netspend Prepaid Mastercard®. You can even have the money loaded onto a Netspend Prepaid Mastercard®.

When unexpected money needs pop up, think Check `n Go! Apply online or start your store application now and finish it when you get to the store. To apply for a loan, will need at least a valid ID, proof of income, an active checking account and a working phone number. Call ahead to confirm – and we hope to see you soon!

Michigan Rates and Terms

Licenses & Disclosures


Privacy & Security

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

Learn More.

Michigan Payday Loan Rates and Terms

Availability of Payday Loan

Check `n Go arranges payday loans both online and at a store location near you. Click here to find a store location near you.
Payday loans rescissions payments and repayment plans are processed during the customer service hours posted on at www.checkngo.com

Governing Law

The loan agreement will be governed by the applicable laws of Michigan. Questions or complaints should be directed to your state’s regulatory agency, available by clicking here.

Maximum Payday Loan Amount

The maximum loan amount for Michigan residents is $600.

  • Social Security Number
Check `n Go requires that all Michigan customers provide proof of their social security number. See the SSN Disclosure document, located in the Additional Disclosures section below, for a list of acceptable documents.
Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 10 days and the maximum loan term is 31 days. For a Check `n Go store location the minimum loan term is 7 days and the maximum loan term is 30 days.

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

If the total amount due on a loan is paid through an ACH, Michigan state law requires
that Check `n Go keep the loan open in the state database until one of the following
occurs: 4 days have elapsed since the ACH effective date or the customer provides
proof that the ACH has cleared his or her bank account (“proof of debit”), at which
time Check `n Go will close the loan in the state database.

A proof of debit may be supplied by faxing us a copy of your online bank statement
showing the last payday loan payment clearing your account. When faxing make sure
the fax has your name, positive bank balance after the debit, and at least the last 4
digits of the bank account number clearly visible


Check `n Go currently does not offer extensions in the state of Michigan. Therefore loans in the state of Michigan must be paid off on their due date.

Finance Schedule


  • 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