Check ’n Go Reviews | Is Check ’n Go Legit? Is It Safe to Get a Loan? What Is Check ’n Go?


Payday loan companies do not typically enjoy the best reputations. With news agencies like CNBC reporting that payday loan companies are keeping people stuck in debt, you may be frantically searching reviews of payday loan lenders to see if any are legitimate. And maybe, just maybe, Check ’n Go payday loan reviews are on that list.

We know that over 19 million American households are utilizing payday lender services, and we want to answer all of your burning questions — “Is Check ’n Go safe?” and “What is Check ’n Go?” and more. We have researched the company and looked through the online Check ’n Go reviews to give you a better understanding of this payday loan company.



What Is Check ’n Go? Check ’n Go Reviews

Operating since 1994, Check ’n Go is an American direct payday loan lender. This means they do not work with partner lender companies. They deal with all their clients’ needs directly.

Check ’n Go tries to provide speed to their customers by offering a faxless online application. They also provide general online payday loan options for borrowing convenience and 24/7 customer support.  Of course, there are still in-store locations throughout the United States as well.

As an added bonus, the company values charity work and giving back to their communities. They offer financial advice through their company blog, Dollars & Sense, as well.

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How Are Check ’n Go Reviews?

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Image Source: Check ’n Go

Check ’n Go’s biggest claim is that they aren’t like every other payday loan company out there, even calling themselves on their website the “payday loan lender that puts people first.” Yet most people are worried about payday loan companies and their often-negative reputations for scamming customers.

So what do the Check ’n Go reviews say about this company?

The truth is that the overall results are quite mixed. Some websites show an average of 1 star out of 5, other Check’n Go reviews show 4 stars, and other reviews are in between. Based on these conflicting options, is Check ’n Go legit and the right option for you?

Let’s break it all down. We will see what Check ’n Go offers, then look at what the Check ’n Go reviews have to say.



What Does Check ’n Go Offer?

Check ’n Go has been a payday loan company and lender offering a variety of services for over 20 years. Currently, they provide these five main services to their customers:

  • Payday loans
  • Installment loans
  • Cash advance
  • Check cashing
  • Prepaid card

Let’s take a closer look at these services so that you can better understand each one. We’ll also examine Check ’n Go reviews for each service.

Payday Loans

Payday loans are fast, short-term loans with a low principle. Typically, the maximum payday loan amount is only $500. At Check ’n Go, the loan can be directly deposited quickly, as early as the next business day.

Check ’n Go offers Payday Loans in these 18 U.S. states, and the interest rates vary by state:

  • Alabama
  • California
  • Florida
  • Hawaii
  • Illinois
  • Indiana
  • Kansas
  • Maine
  • Michigan
  • Mississippi
  • Missouri
  • Nevada
  • North Dakota
  • Ohio
  • Oklahoma
  • South Dakota
  • Texas
  • Utah

What do the Check ’n Go reviews say? Supermoney.com shows the Check ’n Go reviews at an average of 4 out of 5 stars.

In one Check ‘n Go review from Supermoney.com, the reviewer mentioned that she knew there was no doubt she could pay the loan back as required, so she had no issues and gave Check ’n Go a full five stars.

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Installment Loans

An installment loan from Check ’n Go deals with larger dollar amounts than the typical payday loan. Check ’n Go offers options for various payment methods, including how many installments you’d like to make during a 4- to 8-month period.

What is Check ’n Go offering their online installment loan customers? A maximum of $5,000. But it all depends on state regulations. Check ’n Go offers installment loans in 11 U.S. states:

  • Alabama
  • California
  • Delaware
  • Idaho
  • Illinois
  • Missouri
  • New Mexico
  • Ohio
  • South Dakota
  • Utah
  • Wisconsin

What do the Check ’n Go reviews say about installment loans? One Consumer Affairs reviewer from New Mexico wrote, “The interest is too high for poor people in the community.” However, one Yelp reviewer left a Check ’n Go review and suggests that the interest rate for the loans at Check ’n Go may be high, but they are also offering cash on the spot.



Cash Advance

Cash advance loans essentially give you an advance on your next paycheck in order to pay for any immediate but temporary money issues. These are short-term, but they are also unsecured. Interest rates are typically much higher since the lender does not have any certainty in knowing your check will definitely arrive.

At Check ’n Go, you only pay a one-time fee when the loan is due. The regulations vary depending upon your state. Check ’n Go offers cash advances in these 24 states:

  • Alabama
  • California
  • Florida
  • Hawaii
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Mexico
  • North Dakota
  • Ohio
  • Oklahoma
  • Rhode Island
  • South Dakota
  • Tennessee
  • Utah
  • Wisconsin

What do the Check ’n Go installment loan reviews say?  One reviewer on Consumer Affairs has been using Check ’n Go in Florida for over a year and feels they have been helpful. In that year, this user only had one problem; Check ’n Go accidentally pulled out two payments instead of one.

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Check Cashing

Check cashing services are simple. If you are not a member of a bank or need money when the bank is not open, Check ’n Go will cash that check for you with their extended operating hours.

This service is offered in eight states:

  • Florida
  • Kansas
  • Kentucky
  • Michigan
  • Missouri
  • Ohio
  • Tennessee
  • Texas

What do the Check ’n Go reviews say about check cashing? One Check ‘n Go review on Supermoney.com says the reviewer always uses Check ’n Go for check cashing and leaves the company a full five stars.



Prepaid Card

Check ’n Go has partnered with Mastercard and their NetSpend prepaid card. This works as a typical debit card and can be used buy groceries and even pay bills online. Through this card, your money is FDIC assured and accredited by the Better Business Bureau.

You can either apply for the NetSpend Prepaid Mastercard online or at one of the Check ’n Go store locations.

The Check ’n Go reviews for the NetSpend card are quite favorable on Consumer Affairs with 4 out of 5 stars.



Is Check ’n Go Legit?

Check ’n Go is a payday loan business. As any business does, they need to make money from their customers; you will be charged for their services. That does not necessarily mean that Check ’n Go is an entirely negative business to use, however.

The reputable Better Business Bureau (BBB) has rated Check ’n Go as an A+ business and shows an average of 3.78 stars out of 5 stars for their Check ’n Go reviews. The BBB is known for being a strong indicator of legitimacy.

On matters of customer service, it is helpful to note that multiple Check ’n Go reviews on the Supermoney.com website mention customers feeling happy and satisfied with the customer service.

But with the positive comes the negative as well. It should be noted that the Check ’n Go reviews through Consumer Affairs are dismal at best. With 135 reviews at present, Check ‘n Go barely earns over one star. Most reviewers seemed concerned about interest rates, loan denials, and customer service.

There are enough moderately positive reviews to consider Check ’n Go to be a legit business, but the question is still out: is Check ’n Go safe? Here’s what we’ve found.


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Is Check ’n Go Safe?

The Community Financial Services Association (CFSA) helps monitor and maintain appropriate professionalism and customer relations within the payday loan industry. Not only does Check ’n Go adhere to their standards and principles, but they were also a founding member of the association.

Check ’n Go does, because of these standards, release all necessary terms and fees clearly on their website. In fact, a Check ’n Go review on Top Ten Reviews is overall extremely positive because of this particular quality.

This Check ’n Go review focuses on the fact that Check ’n Go is both honest and upfront about interest rates and any additional fees. This means you can rest assured that your money is safe at Check ’n Go and not being scammed without your knowledge.

If fear of fraud when using their online application and system concerns you, rest assured. Check ’n Go uses the domain name and internet security service Verisign to provide an extra layer of online security to their customers.

Overall, if you’re asking yourself, “Is Check ’n Go safe?” – the answer is most likely yes.

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Image Source: Check 'n Go Reviews


Is Check ’n Go Right For Me? Check ’n Go Reviews

At the end of the day, only you can decide whether or not using Check ’n Go will be the right choice for you. The truth of the matter is that banks can offer better rates for loans and that you will, of course, lose some money in the process of gaining quick cash through Check ’n Go or any other payday loan company.

The benefit, as the Check ’n Go reviews show, is that you will at the very least have a clear understanding of what you are getting into before you partner with Check ’n Go and use their various services.

Considering the Check ’n Go reviews are somewhat mixed, it is important to make an informed decision that works for your finances. Our hope is that this review gave you enough information to answer your basic questions and help you make a confident choice.

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