Check n Go Installment Loans FAQs

How do I qualify for an installment loan?

To qualify, you must meet the following criteria:

• A verifiable form of income
• An active checking account that allows direct deposit
• An active e-mail address
• Proof that you are 18 years of age or older
• No outstanding payday loans with Check 'n Go store or online
• The ability to meet all the guidelines that are specific to your state of residence
  

What are the steps to get an installment loan?

To qualify, you must meet the following criteria:

1. Complete and submit the online application.
2. Review and accept online loan application information.
3. Review loan documents, loan status, amount of loan offered, total payback amount, and payment due dates.
4. Provide electronic signature accepting loan documents.
5. Fax any supporting documents requested on the application. (Most recent pay stub [less than 30 days old], and your most recent 30-day bank statement).
6. You will receive an e-mail once all documents have been received and processed. Typically, we'll electronically deposit the loan amount directly into your checking account on the next banking business day once all supporting documents have been received and verified.
7. Payments are due on your pay date and will be directly withdrawn from your account.

Is my Installment Loan Transaction confidential?

The confidentiality of an installment loan transaction depends on the reputation of the lender. In the case of online lending, security is even more crucial and depends not only on the policies of the provider, but on the structure of the company's Web site as well. For the safest possible installment loan transaction, be make sure of the following before borrowing:

• Privacy Policy
  Every lender should freely provide you with a privacy policy, whether you borrow in-store or online. This policy should be clear and concise and should outline all the circumstances in which your information is or is not shared with other companies. Online installment loan providers should make their privacy policies easy to locate and free to download.
  
  
• Secure Site
  Online lenders should encrypt their sites to ensure your security. Check in the bottom right corner of your Internet browser for the lock icon, which means that the site is encrypted and safe. You should also make sure your online transaction is secured through other reputable means as well, like with an Internet security and infrastructure specialist such as VeriSign. These additional security measures will be displayed on the site where you enter your sensitive information.

Does Check ‘n Go check my credit rating?

Yes, we obtain a credit report from Experian, and we require a minimum FICO score

Do I need to fax any documents?

Yes, In order to process and finalize your application, we require the following documents:

• Your most recent pay stub (or if on SSI, a copy of your award letter)
• An active checking account that allows direct deposit
• Your most recent 30-day bank statement
• Additional documentation may be required

Can I pay off early? Does paying off early save me money?

Yes. You may pay off the balance of your loan early. Paying off early may result in an interest rebate if previous payments have never been delinquent. If you wish to pay off your loan early, contact Check 'n Go for details and instructions.

When will my payments be due?

Your payments are always due on the date you get paid and have funds directly deposited into your checking account.

Why should I use Check ‘n Go?

Check 'n Go provides personalized and knowledgeable customer service with competitively-priced, hassle-free financial products. Check 'n Go is backed by a network of over 1,000 stores nationwide. We offer convenient, secure online options. For more than a decade, our reputation for integrity has ensured your confidentiality and security. We continually develop new partnerships with financial service leaders to add new products and services to meet your changing needs.

Our customers know our reputation for integrity and we provide them with confidentiality and security. As an online customer, you enjoy the convenience of applying for an installment loan at any time of the day from home or work. Your loan funds are deposited directly into your checking account.