Rhode Island Payday Loans and Cash Advances

Caught short between paychecks?
Our payday loans can help!

At Check `n Go, we’re here to provide backup when Rhode Island residents have emergency money needs. Payday advances from $50 to $450 are available at our Check `n Go stores in Johnston, Middletown, Providence, Warwick and Woonsocket. Stop by one of these locations and apply. If approved, you could receive your money before leaving the store.

Check `n Go stores in Rhode Island also offer check cashing. To find out more about what we offer, ask one of our store associates or visit our website.

Ready to apply for a payday advance? You can even start your store application now and finish it at the store. To apply, you’ll need to have at least an active checking account, an active phone number, proof of income and a valid ID. It’s a good idea to call your local store first and confirm what you’ll need to bring. We’re happy to help!

Rhode Island Rates and Terms

Instore Products:

Payday Advances
Check Cashing

Locations

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Rhode Island Payday Advance Rates and Terms

Availability of Payday Loan

Check `n Go offers Payday Loans at a store location near you. Click here to find a store location near you. Check `n Go currently does not offer Rhode Island residents an online Payday Loan product.

Governing Law

The loan agreement will be governed by the applicable laws of Rhode Island. 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 Rhode Island residents is $450.

Payday Loan Terms

For a Check ’n Go store location the minimum loan term is 13 days and the maximum loan term is 35 days. Only one loan is permitted at Check ’n Go.

Extensions

You may extend your loan up to a maximum of 1 time. To extend your loan you must pay the current loan fee before the full amount must be satisfied. After paying the original loan fee, you will be contracted for an additional loan, for which you will be charged an additional loan fee. For a store loan you must contact the store where your loan was originated.

Finance Schedule
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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.

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 NCP Finance Limited Partnership as the direct lender for both in-store and online loans. 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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