Check n Go Reviews
Check n Go is a state licensed and regulated loans provider. Since 1994, the lender has been offering services to customers who have been constantly turned away by traditional lenders. With an excellent customer service, you will have support throughout the process at any time day or night. Whether you apply online or at the store, the process is quick.Website:www.checkngo.com
Founded in 1994, Check n Go has been serving a market that has been locked out by conventional lenders. The company focuses on providing payday loans to people that have been strapped for cash.
They have a customer support staff that works round the clock. This among other things is what makes the company claim that it’s always there for its clients in the whole borrowing period. They also claim to strive to be the best service providers in the industry.
Check n Go offers their loans both at storefronts and online. The application process is easy and will only take a few minutes and can be done either at the store or online. The applications are handled Monday to Friday but not on weekends and holidays.
To successfully complete an application, you must submit supporting documents as proof. For store front applications, the process takes 20 minutes at most assuming you have all the needed items. Once submitted, the decision is made in minutes and the attendant will inform you if you qualify. The next step will be receiving your written loan fee and the terms. You’ll then draft a post-dated check to be used to collect the loaned amount before walking out of the store with the money.
In online applications, you fill out the form and submit. Within a few minutes, a notification will be sent informing you of the application status. However, you may be asked to fax your paystub to checkngo.com. This step is not for everyone if you meet the criteria the process is fax-less. Approvals are almost instantaneous and the money will be deposited in your account on the next business day.
To get the money in the next business day, the loan must be approved before 8:00 PM. All loans approved later than that will be funded in two days.
In your next payday, the loan amount plus the fees will be repaid from your account automatically. If the checking account you provided does not have sufficient funds to handle the payment, you’ll be slapped with some more penalties. To avoid the unnecessary charges, make sure you have enough cash in the account.
To apply for Cash n Go payday loans, you must satisfy the following requirements:
- Must be either a citizen or a permanent resident of the US
- You must prove you are at least 18 years old (this may vary in different states)
- You should have a regular and verifiable source of income
- Must hold an active checking account that supports direct deposits
- Have no outstanding loans with Check n Go
- Have a valid email address
- Be able to abide by your state’s guidelines on payday loans
If you are not qualified for the fax less application, sending any of these will work as well:
- Proof of income in the last 30 days
- Your recent bank statement at least 30 days old
For the eligible applicants, you can borrow between $100 and $600 but the maximum value will be determined by the state of residence. However, people who walk into Check n Go stores may qualify for a higher amount.
The company does not perform credit checks making it friendly to people with low credit scores or no scores. This doesn’t imply the absence of structures to make sure you pay the loan. For instance; you must provide proof that you are capable of paying back the borrowed money.
The customer care department works around the clock and will answer most of the questions that you may raise. This is deeply embedded into the company’s culture.
Company has a fast turnaround time and the promise to deposit the funds into the specified account as fast as the next business day. Also note that they can process payday loans on Friday late afternoon, unlike some lenders. All transactions completed before 8:00 PM from Monday to Friday will be funded on the next business day.
The maximum term they can offer is 31 days. This will not be applicable to all states if the payday loan regulations in your state don’t allow such terms you will have to abide by the guidelines.
All payday loans borrowed from Check n Go have to be paid back with a finance fee. The finance fee is independent of the duration of the loan. Every state has its own guidelines that stipulate how much lenders will charge for services.
However, the APR will be in the range of 285.16%- 1520.83%. To be certain on how much you will pay, navigate their website and select your state to see the exact fees charged.
There are also other applicable fees and penalties like roll over fees, late fees, and insufficient funds fees.
- The online application process is easy and if you meet some basic criterion, you will be exempted from faxing the pay stub or bank statements.
- They have physical storefronts and that is a big plus for people living around one.
- They have a fast approval and processing. If you apply online, you can be approved in minutes and funds sent to the bank by the next business day. In store front applications, the money will be in your hands the moment all process is completed and it’s around 15 minutes.
- Poor credit will not stop you from getting a loan. Since they won’t perform credit checks, they can’t deny you a loan on the basis of credit scores. However, be ready to provide proof of employment that will demonstrate your ability to service the loan.
Currently, Websites offers their services in the following states, Alabama, California, Delaware, Hawaii, Florida, Idaho, Illinois, Iowa, Indiana, Kansas, Kentucky, Maine, Mississippi, Michigan, Missouri, Montana, Nevada, Nebraska, New Mexico, North Dakota, Oklahoma, Ohio, Rhodes Island, South Carolina, South Dakota, Texas, Tennessee, Utah, Wisconsin, and Wyoming.
They have discount codes occasionally and one that is popular is their $50 gift card. You are offered this when you refer a friend to take a payday loan.