Background
Loan-N-Go is a brand associated with Check n Go, a well-established financial services provider offering payday loans, installment loans, cash advances, and related products. With over 25 years in business, Check n Go has issued more than 46 million loans and operates over 600 locations nationwide, as well as an online platform. The company’s mission is to provide fast, accessible financial solutions for individuals facing unexpected expenses or cash flow gaps, regardless of credit history.
History
Founded in 1994 in Covington, Kentucky, Check n Go (Loan-N-Go) has grown into an industry leader in short-term lending and alternative financial services. The company is recognized for its commitment to customer service, community outreach, and secure lending practices. Over the years, Check n Go has expanded its offerings to include both storefront and online lending, adapting to changing consumer needs and regulations.
Types of Loans and Fees Charged
Payday Loans: Short-term loans designed to be repaid on the borrower’s next payday. Loan amounts and fees vary by state, but these loans typically carry high APRs and are intended for emergency use.
Installment Loans: Loans repaid over a period of three to 18 months, offering larger amounts and longer terms than payday loans. APRs can be high, often ranging from 260% to 370% depending on the state. Payments are typically withdrawn from the borrower’s checking account on payday, but other payment methods are available.
Cash Advances: Quick, small-dollar loans that provide immediate access to funds, similar to payday loans but sometimes with slightly different terms.
Other Services: Check cashing, Netspend prepaid Mastercard® (not available in all states), and financial education resources.
Repayment Terms and Fees
Payday Loans: Due in full on the borrower’s next payday, usually within two to four weeks. Fees and APRs are high, and late or returned payment fees may apply.
Installment Loans: Repayment terms range from three to 18 months, with fixed monthly payments. Late payment and returned payment fees vary by state.
Cash Advances: Terms and fees are similar to payday loans, with immediate funding and repayment on the next payday.
Locations
Check `n Go (Loan-N-Go) operates over 600 retail locations in the U.S. and provides online services 24/7. Store locations include Alabama, Delaware, Idaho, Michigan, Missouri, Oklahoma, South Carolina, Texas, Utah, and Wisconsin.
States Where Loans Are Offered and Not Offered
Available States: Alabama, Delaware, Idaho, Michigan, Missouri, Oklahoma, South Carolina, Texas, Utah, and Wisconsin, as well as online in select states.
Unavailable States: Not available in states with strict payday lending regulations or where the company is not licensed to operate.
How to Contact Loan-N-Go (Check `n Go)
Customer Service Phone: 800-561-2274
Feedback Hotline: 888-372-9329
Mailing Address: P.O. Box 36124, Cincinnati, OH 45236
Website: www.checkngo.com
Customers can apply online, visit a local branch, or contact customer service for more information about products, eligibility, and repayment options.
