Check 'n Go Reviews - What Is It?
WARNING: DO NOT USE Check 'n Go Until You Read This Review!
Is it a Scam? Does It Really Work?
We never expect an emergency but when it happens, we may face serious financial issues. If you have saved up enough cash in case of an emergency, you are lucky. But if not, you may need to get cash fast. In this review, you are going to learn how to get cash installment loans. This can be really hard if you have bad credit. There are too few personal loans for those with bad credit. Check 'n Go is a company that offers a wide variety of short-term cash solutions that can be ordered online and help you get back on your feet. Let us take a look at the lender to figure out if it is suitable for you. The company was founded in 1994 and functions as a payday loan lender to those who need cash in order to solve short-term financial problems. In addition to payday loans the lender also offers other alternative financial services such as installment loans, prepaid debit cards, cash advances, and check casing. You can get in-store payday loans from Check 'n Go in California, Alabama, Delaware, Idaho, Florida, Illinois, Iowa, Indiana, Kansas, Michigan, Kentucky, Mississippi, Nebraska, Missouri, Nevada, Ohio, New Mexico, Oklahoma, Tennessee, Rhode Island, Texas, Wisconsin, and Utah.
Online payday loan services are offered in California, Alabama, Florida, Illinois, Hawaii, Indiana, Maine, Kansas, Michigan, Missouri, Mississippi, Nevada, Ohio, North Dakota, Oklahoma, Utah, and Texas. Check 'n Go's products are specially designed for those who need cash fast. A financial adviser of the company, Joe Harris, recommends payday loans only to those people who have used all of the other alternatives. This man was a payday borrower himself. The final cost of the loans can be astronomical. But Harris agrees that there are situations in life when you can't avoid a payday loan. Usually payday loans must be paid back within a month, so this method of getting money works only if you can afford to pay back within this period of time. Since Check 'n Go provides long-term loans, you will have more time to pay back the loan and you might have a lower interest rate. This company is quite reputable and has been on the market for a while, but let's find out what actual clients think about their experience of dealing with it.
Customer Reviews - Does Check 'n Go Really Work?
One of the advantages of the company is the easy application process. The requirements for both online and in-store loan applications include a valid bank account number with your name displayed on it, a verifiable form of income, a valid form of identification, absence of negative experience linked to payday loans with Check 'n Go, a working phone number, the ability to meet the guidelines for your state of living, and being over 18 years of age. You are expected to spend about 15 minutes on the in-store application process. After filling out your application, the company reviews your loan for approval within several minutes. After approval, you will get the loan fee, APR, and term date, then you'll need to write a post-dated check to the store for the total amount. You will receive cash too.
To apply online you will need to fill out the online form, carefully read the loan agreement and documents, and learn whether you have been approved within a few minutes. You may need to fax verification documents to the company. Qualified applicants may get a Faxless Loan, though. Since approval of online loans does not take much time, the money will be deposited into your bank account almost instantly or on the next business day. However, loans finalized after 8:00pm may be funded two business days later. The company also considers Friday loans to be weekend applications, which means that you will be able to use the funds on Monday. But in some cases, borrowers who apply on a Friday may have access to the finances before the weekend.
Check 'n Go offers different short- and long-term cash solutions. The amounts of Online installment loans range from $1,000 to $5,000. The repayment term is between four and eight months. Loan amounts of Cash advances range from $100 to $1,000. These are due when you get paid next. Loan amounts of Payday loans range from $100 to $500. The repayment term is between two and four weeks. The Choice Loan is available in store only. Its amount ranges from $200 to $5,000. Its repayment term depends on your financial profile and income. Netspend Prepaid Card is a prepaid debit card onto which money can be loaded. Check cashing allows to cash checks for a 1.99% fee.
As you can see, Check 'n Go offers a lot of benefits to its clients, including a faxless loan application (for qualified customers). But there is one negative nuance about this opportunity. You never know if you qualify for faxless approval. You will know about it after applying online. If you don't have a fax machine, you will need to borrow one or go to a local store and have a fax sent on your behalf. However, it is usually not big hassle for majority of clients, even though it may somewhat slow down the process. You may possibly face additional fees, for instance, for a late or returned payment, or for processing and verification expenses. Some states do not allow to sign up for an Extended Payment Plan until your loan is not repaid initially. In this case, you will need to pay $15.00.
During our research we've encountered a great number of customer testimonials about Check 'n Go's on third-party websites. Most of them carry a positive character. The users say that the website is easy to navigate. It also includes details about payment methods, repayment plans, and borrower rights and responsibilities. There is Payday Loans FAQ page that will provide you with more information about payday loans to make you familiar with loans, the whole process, fees, interest rates, and contracts. Many clients of the company are pleased with the service offered by Check 'n Go'. One woman reports that she always enjoys good service at the location on 821 Coliseum Blvd. Suite 3. the staff is helpful and polite every time she goes in. all of the reps are professional and knowledgeable. Even though it is not the closest location to where the woman lives but she likes it because of the service they give to their customers. Let us take a look at some more clients' testimonials available online.
"I have taken out some online payday loans from Check 'n Go before, but in this review I would like to share my most recent experience. I think the company did a good job with my payday loan. I borrowed $100 and in less than a month I paid back 117.64. The only strange thing about the experience is that they never sent me a payment confirmation on my email. I had to buy a domain in order to gain access to my email on file. It was like a bummer; however, I have another domain name now. So I would still recommend this service."
"I have been the client of Check 'n Go for two years already and I am satisfied with everything. I actually go to Henry Street in Muskegon, MI. They staff has always been there for me with smiles on their faces. They are professional and courteous. Besides, their finance charges seem to be the lowest available. I haven't been disappointed with the service, thus, I can certainly recommend it to anyone who needs cash."
"Before I went to Check 'n Go I have used other institutions of the kind. I have been disappointed many times for different reasons. But when I attended the Germantown, WI. location of Check 'n Go I received really good experience. My assistant, Penny, has organized the whole loan process quickly and easily. She has been professional, polite and friendly. Penny is pleasant to work with, she always ensures that you understand the process and that you are comfortable with the repayment amount. They do not charge you a fee if you repay the loan earlier. I recommend the Germantown location."
My Final Summary
Check 'n Go offers many different short-term credit services for people who have got into a financial jam. The company lends in 28 states, which is a rather large number, since payday loans are legal in only 34 states. For this reason, Check 'n Go can be considered one of the best lenders. As it doesn't have store fronts in all states, you can only get loans online in some of them. Applying for an online loan is easy, it is like applying in a store. All you will need is proof of income, your ID, and a checking account. You are expected to get a fast approval and get your money in the same fast way. Usually, online loans take 1-2 business days, while in-person loans give access to the money almost immediately. The highest fee we have seen charged was $30 per $100 borrowed, but this may happen very seldom. As a rule, the fee is $10 per $100, which is one of the lowest fees in the country, even lower than at Check Into Cash and Cash Central. If you want to borrow some funds from Check 'n Go, you should check the company's website first. You'll see what rates and fees are there in your state. They offer installment loans in some states. An installment loan allows you to borrow larger amounts of money and have more time to repay them.
There are some drawbacks of addressing this company too. The application process may require you to fax some documents, which can slow down the process and the moment you get funds. The company's website lacks educational information for mew borrowers who deal with payday loans. However, this is not a big problem, since you can contact the company's customer service any time and get the information you need. Taking into account all of these advantages and disadvantages, I recommend Check 'n Go to everyone in an emergency and the need for money.
Where To Buy Check 'n Go?
As mentioned above, Check 'n Go offers many different kinds of loans, each of which has its own fee structure and interest rate. For instance, installment loans may have lower fees and interest rates than payday loans. The fees on payday loans vary from state to state. If you live in Utah and borrow $100, you will need to pay the fee of $25, while the residents of Florida will need to pay only $15 for the same loan. The website of Check 'n Go provides these terms. Choose the state you live in, and you will learn what payday loans will cost you. Installment loans do not have this feature, though.