If you are looking for quick cash loans, you may think that places like Check ‘n Go or Advance America are your best options. Here, you will find important information about Check ‘n Go that all potential borrowers should know about. You will also learn about what other options you have available. After reviewing your choices, you can weigh the pros and cons to decide which type of loan will work best for you! 

Finding the Right Personal Loans

As of the beginning of 2023, Americans had a total of $225 billion in unsecured personal loan balances.1 Since this form of funding is so popular in the U.S., it’s important to research lenders and see what different products are available when looking for a personal loan. If you go with the first offer you come across, you may find that you could have received lower interest rates, a higher loan amount, or more convenient terms if you had gone with another lender or product. 

To help guide you toward the right lenders and products for personal loans, it may be a good idea to check your most recent credit report to see where your credit score is currently. Borrowers who have higher scores may get approval for decent loans with traditional lenders, like a bank. Other borrowers who may be dealing with less-than-perfect credit or other financial difficulties may have a better chance of approval with direct lenders, credit unions, or bad credit lenders for a personal installment loan. 

Check ‘n Go Loans: What You Need To Know

Check ‘n Go is a financial institution with over 350 retail locations throughout the United States. They offer several kinds of loan products and financial services. Those products and services include: 

  • Payday loans 
  • Cash advances 
  • Standard installment loans 
  • Emergency installment loans
  • Check cashing services 
  • Netspend Prepaid Mastercard®

Check ‘n Go is not a direct lender in the state of Texas and does not offer financial products in the state of Illinois. You can find Check ‘n Go brick-and-mortar stores in the following states: 

  • Alabama 
  • Delaware 
  • Idaho
  • Michigan 
  • Missouri
  • Oklahoma
  • South Carolina
  • Texas (works with third-party lenders) 
  • Utah 
  • Wisconsin 

Check ‘n Go is an online lender in the following states: 

  • Alabama
  • California 
  • Delaware 
  • Florida 
  • Indiana 
  • Idaho
  • Kansas 
  • Maine 
  • Michigan 
  • North Dakota 
  • South Carolina 
  • Texas (works with third-party lenders)
  • Utah 
  • Wisconsin 
  • Wyoming 

Wondering if you need a bank account to get installment loans? In order to be considered for a Check ‘n Go loan, applicants must have an active checking account for at least 30 days.

If there is an issue processing your information, the site owner may have set restrictions that prevent you from accessing and submitting your application and cause you to receive an error code instead. These details can be kept in a gigabyte data center, often called a GB data center. If this happens, you can contact a loan agent who should be able to give you error details and set you back on the right track for completing your application. 

How Do Personal Loans From Check ‘n Go Work?

Although the specific details may be different depending on which financial product you choose, the general process for getting funding through Check ‘n Go is fairly straightforward. Simply fill out an application online or in person, wait for approval, submit any documentation Check ‘n Go needs, and receive your funds. 

Below is more information on the various products and services offered by the lender Check ‘n Go. 

Cash Advances

A cash advance is a way for borrowers to gain access to their paychecks before their official payday from their employer. Borrowers can access cash advances via a credit card, but this type of cash advance can come with higher interest rates, especially when compared to standard credit card purchases. Some lenders, like Check ‘n Go, also extend cash advances in the form of short-term loans. 

Pros and Cons of Cash Advances
Immediate access to cash. High interest rates, often higher than regular credit card rates. 
Convenient, especially when using a credit card. Fees associated with the advance, which can be a percentage of the amount borrowed. 
No lengthy approval process. Interest starts accruing immediately, usually with no grace period. 
Can be obtained even outside of banking hours. Can lead to a cycle of debt if not paid off quickly. 

Payday Loans

A payday loan is a kind of cash advance loan that often comes with high-interest rates, brief repayment terms, and additional fees. Payday loans are often considered high-interest loans for bad credit. Unless you  pay off your loan in full within about two weeks or less, a payday loan may not work well with your current budget

Pros and Cons of Payday Loans
Quick approval and funding.Very high interest rates. 
Suitable for immediate short-term needs. Short repayment duration, typically by the next payday. 
Easier to obtain even with poor credit. Risk of getting trapped in a cycle of debt. 
Single repayment can be simpler for some. Additional fees for loan initiation, rollovers, and late payments. 

Installment Loans

An installment loan is a type of personal loan that is distributed in one lump sum and paid back in monthly installments. Depending on the lender and the specific loan type you choose, you may find loans that come with fixed or variable interest rates. Fixed interest refers to rates that stay consistent throughout the terms of a loan. Variable interest refers to rates that fluctuate congruent to current market conditions. While some borrowers choose loans with variable interest to save money some months on interest charges, it’s important to keep in mind that these rates may also result in increased charges/payments as well.  

Emergency Installment Loans

An emergency installment loan is a type of personal loan available to borrowers for emergency needs. If you’ve been hit with a ton of unexpected expenses, see your bills starting to pile up, or are dealing with a surprise event that is proving to be costly, an emergency installment loan may be a solution to consider. 

If you choose to go with the Check ‘n Go online process, you can research products, apply, view your account, and even make payments all from your computer or smartphone.

Pros and Cons of Installment Loans
Larger loan amounts may be available. Interest rates can be higher for those with poor credit. 
Multiple repayments spread out over time. Longer approval process compared to payday loans. 
Generally lower interest rates than payday loans. May have origination fees. 
Options available for those with less-than-perfect credit. Secured loans require collateral, which can be at risk. 

Other Financial Services

Most of Check n Go’s physical locations are open past traditional business hours and offer check-cashing services. That means you don’t have to wait around for your bank to open until you can cash your check. In fact, you may not even need a bank account at all if you cash your check at a Check ‘n Go location.  

In addition to check cashing services, Check ‘n Go also offers a Netspend Prepaid Mastercard®. This special card works like a debit card, allowing users to make purchases and pay bills. To help keep your finances organized, customers can also set up text alerts to track the balance of their cards. 

Who Are Check ‘n Go Personal Loans For?

Customers of loans from Check ‘n Go are usually from a category financial experts call “subprime.” Subprime borrowers are consumers who may be dealing with bankruptcy or other extreme financial hardships. This type of borrower may not be able to get loans from lenders like banks, credit unions, or even some online lenders, so they turn to financial institutions like Check ‘n Go. By doing a little research, borrowers may find that there are more sustainable financial solutions available to them. 

CreditNinja: How Does It Compare?

CreditNinja offers online personal installment loans as an alternative to the predatory lending options bad credit borrowers are typically left with. Even borrowers with less-than-perfect credit scores can work with CreditNinja to solve a wide variety of financial issues. Instead of losing sleep worrying about how you are going to make ends meet this month, rest easy and let CreditNinja help you out! 

CreditNinja Personal Installment Loans

CreditNinja has worked to perfect loan approval with a convenient and streamlined online process. To begin, fill out a quick application online and receive your approval status shortly.

Upon approval, you will receive a loan agreement to sign. Make sure you read your contract over carefully and reach out if anything doesn’t make sense. Once you feel comfortable, go ahead and sign. From there, you can expect to receive your approved funds via direct deposit. It’s as simple as that! 

How Does CreditNinja Stand Out?

Consumers looking for online loans can also turn to CreditNinja for a completely virtual process. Borrowers can apply online, talk to a loan agent, send in the documents, and even receive their approved funds without ever having to leave their homes! 

CreditNinja is also proud to offer loans with conveniently fixed interest rates. When loans have fixed interest rates, this means borrowers can pay back their loans in equal monthly installments. Fixed interest rates may help you keep your finances consistent and organized until you have completely paid off your loan. 

You can also talk to the friendly staff at CreditNinja for answers regarding any questions or concerns you may have about your funding or the process. 

Personal Loans FAQ

Are there other lenders for payday loans besides Check ‘n Go?

Yes, there are numerous payday loan lenders available in the market. It’s essential to research and compare terms, interest rates, and customer reviews before choosing a lender for payday loans or any other type of funding.

How does direct deposit work with personal loans?

Direct deposit for personal loans allows lenders to send your approved loan amount directly to your bank account. Once approved, funds can be available in your account as soon as the next business day, depending on the lender.

Can I get a personal installment loan without direct deposit?

While many lenders for personal loans prefer direct deposit due to its convenience and speed, some lenders may offer alternative methods like mailing a check or providing cash in person.

Are the interest rates the same among all other payday loan lenders?

No, interest rates can vary significantly among payday loan lenders. It’s crucial to compare rates and terms to find the most affordable option.

How can I ensure a smooth direct deposit process when obtaining a personal loan?

Ensure that you provide accurate bank account details to the lender and that your account is in good standing (not overdrawn) to facilitate a hassle-free direct deposit.

Do all personal installment loan lenders require a credit check?

While many lenders perform credit checks to determine loan eligibility, some other payday loan lenders might offer no-credit-check loans. However, these often come with higher interest rates.

Is it safe to provide my banking details for direct deposit?

Reputable lenders use encrypted systems to protect your information. Always ensure you’re working with a legitimate lender and never provide personal details on unsecured websites.

Can I switch from direct deposit to another method of receiving funds in the future?

Lenders typically have set methods for disbursing funds. If you wish to change the method, you’d need to discuss it directly with the lender, though changes might not always be possible.

What should I consider when comparing other payday loan lenders?

Look at the interest rates, fees, repayment terms, customer reviews, and any additional features or services they might offer. Always read the fine print to understand any hidden charges.

If I have issues with the direct deposit of my loan, whom should I contact?

You should immediately contact the lender who provided the loan. They can assist in tracking the deposit and resolving any issues.

Who Should Pick CreditNinja?

Loans from CreditNinja are for anybody who is going through a financial emergency and needs fast, efficient funding. Bad credit scores can affect borrowing by making it more difficult for consumers to get approved for traditional loans. CreditNinja works to serve consumers of all credit types and help people get the financial relief they deserve. However, it’s always important to research and compare lenders for a cash loan or any other type of funding. But, if you are looking for a quick and convenient personal loan, consider CreditNinja! 


  1. Credit Card and Unsecured Personal Loan Balances Remain at or Near-Record Levels as Consumers Navigate Challenging Economic Climate | TransUnion

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