Check ‘n Go

The Good

• Easy application process
• Quick funding
• Fast approval

Requirements for both online loan and in-store applications include a valid bank account number with the borrower’s name on it, a verifiable form of income, a working phone number, a valid form of identification, the ability to meet all the required guidelines (state of residence), no outstanding loans with Check ‘n Go, and being a minimum of 18 years old.

If you have everything with you, the in-store application process can take about 15 minutes in total. You will know within just a few minutes if you are approved once you’ve filled out your application. You’ll receive the loan fee, APR rate and term date after loan approval and you’ve to give a check (post-dated) to the store for the amount for receiving cash from Check ‘n Go.

The Bad

• Faxless loan application
• Website is difficult to navigate
• Possible additional fees

For qualified borrowers, Check ‘n Go offers a Faxless loan application. You don’t know if you actually qualify for your faxless approval until you apply online and this is the main problem with the option. The system will notify that you require fax verification after filling out the online application. If you don’t have your own fax machine, you’ve to use to from a local store with a fee that may slow down the approval process, create extra hassle and force to incur additional costs.

An extra fee may be added onto your loan for a late or returned payment, or for processing and verification expenses. The website of Check ‘n Go is also difficult to navigate as it doesn’t include borrower rights and responsibilities or payment methods, repayment plans and other necessary information. The payday loans FAQ pages don’t include all the necessary information and it may mislead the borrowers about interest rates, terms, contracts and fees.

Check ‘n Go operates in the following 22 states:

• Alabama
• California
• Delaware
• Florida
• Hawaii
• Idaho
• Illinois
• Indiana
• Kansas
• Maine
• Michigan
• Mississippi
• Missouri
• Nevada
• New Mexico
• North Dakota
• Ohio
• Oklahoma
• Texas
• Utah
• Wisconsin

The Summary

Given the difficulty of the online application, Check ‘n Go should only be considered by payday borrowers who can physically apply in-store.  The fax documents are required for Check ‘n Go’s application process, which can incur both costs to the borrower and increase hassle. In addition, it ultimately slows down how quickly a borrower receives funds. The website of Check ‘n Go provides little information for payday loans, so it may cause problems for the unfamiliar borrowers.