PROS / Check 'n Go is a direct lender, so you can know your APR and fees going in.
CONS / APRs for this, and all payday loan services, are high compared to other loans.
VERDICT / Check 'n Go has been in business a long time, so it knows the game.
Check 'n Go has provided payday loans and other types of loans since the '90s and has established its name within the lending world. It offers quick deposits, as most payday loan companies do, and the loan amount, fees and APR are right on par with its competitors.
Because this company offers payday loans directly, you can get straightforward quotes for APRs and fees before you apply. Many lenders don't give you these numbers until after you fill out the application.
The application process is standard, and may require you to provide personal, banking and employment information. You do not necessarily need to be employed to get a payday loan from Check 'n Go.
When the term of your loan is up, you are then required to begin payment. Your payment is automatically deducted from the checking account into which the service originally deposited your loan, so you'll want to make sure there are funds in your account to cover the loan payment before it comes due. If you do not have the funds available when payment is due, you can contact the service to see about an extension or rollover, but these may come with new loan contracts or fees, and the longer you carry a loan, the more interest you'll ultimately pay. There is usually no penalty for early payoff with Check 'n Go.
If you have questions about your loan or the process, you can find some support on the company website. It has information about payday and other types of loans, a FAQs page, and a form to contact customer service in case you can't find answers to your questions. You can also call customer service. When we called, the representative we spoke with was knowledgeable and answered all of our questions.
Check 'n Go is a direct lender that offers standard loan amounts, rates and fees, as well as quick deposits and standard repayment methods. It has helpful customer service. The fact that it has been in business so long also makes it an appealing option.