Check ‘n Go Installment Loans Review

Check ‘n Go is an installment loan company that has been in operation since 1994. It is available to borrowers in 23 states.

Bad Credit Best for
3 /5
$ $500 /
Min. Amount
Visit Site
Table of Contents

    Why Get an Installment Loan from Check ‘n Go?

    Check ‘n Go has been offering services to the public for 26 years. It must have something to offer, but what? Here’s what we found:

    • Swift and efficient online application
    • Guidance from a loan advisor
    • Loans have long-term repayment options
    • Loans are customized to suit your payment schedule

    What Does Check ‘n Go Offer?

    Check ‘n Go offers various loans, as well as prepaid MasterCards. 

    Eligibility Criteria

    Eligibility for an installment loan at Check ‘n Go varies on a case-by-case basis. However, there are two main eligibility requirements that every applicant must meet. 

    Firstly, applicants must have an income source that’s verifiable. Beneficiary income does not qualify.

    Secondly, applicants must have an active check account. If your account doesn’t allow direct deposits, then you won’t qualify.

    Additionally, you must have a FICO score of at least 500 to be eligible. 

    Check ‘n Go Pros and Cons


    • Longer repayment terms than some loan companies
    • Multiple customer service options
    • Efficient online application process


    • Check ‘n Go doesn’t offer money lending services in all the US states.
    • No base fees or APRs available on the website

    How to Apply for a Check ‘n Go Installment Loan?

    Applying for an installment loan at Check ‘n Go is a relatively uncomplicated process.

    Simply navigate to the Check ‘n Go webpage. Upon your arrival, you can either click on the ‘Apply Now’ button in the middle of the screen, or you can click on the ‘Apply Now button in the menu bar.

    The site will then redirect you to a form that requests your basic information. At this junction, you’ll be required to create an account. After having done so, you’ll be redirected to a more intensive digital form.

    This form will require your address, social security number, identity number, and several other things that are needed to confirm your identity.

    Upon successfully completing the form, you’ll be taken to the credit application. Should you be approved, a representative will contact you to help you finish customizing your loan.

    After that, your loan will clear within as short a time as 24 hours.

    Rates, Terms, and Fees

    It’s an unavoidable caveat that most loan companies cannot offer one-size-fits-all rates. Instead, due to the personalized nature of installment loans, rates vary on a case-by-case basis.

    Also, the rates vary from one state to another. If you wish to know which rates you’d be paying, you’ll need to complete the online registration form.

    The terms of the loans at Check ‘n Go vary according to how much you borrow. Likewise, the amount that you’re eligible for is determined by your credit rating and income.

    As can be expected, the APR percentage rates also vary. If you wish to know what Check ‘n Go would charge you, you need to contact the team directly.

    Bottom Line 

    There are many loan installment companies on the market. While Check ‘n Go may be a relatively reliable company, it may not offer everything that you’re looking for.

    If you’re the type of person who likes all their financial needs all in one place, you may be better off considering competitors like Prosper or SoFi.

    There are good things that count in the favour of Check ‘n Go, but be sure to choose the installment loan company that best meets your needs and goals.