Rate and Review

Check ‘n Go – Scam, Complaint, Review, or Praise?

Please share your experience with this lender and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this lending company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the loan you were interested in before you gave them any personal information?
  • Was the loan at a fair price and reasonable interest rate?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.


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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.


  • I just upgraded a 200 loan through check ‘n go assuming that I would have the additional 175 available. Instead they deposited 123.77 into my account and now expect me to pay finance and CSO fees on a 375 dollar loan. I have acrobat reader but the documents were blank so I could not view. Had I known I would be paying 94.93 on a loan of 323.77 I never would have done it. Never heard of a lender taking finance charges and cso fee out of a loan upgrade. Very confused. I’m able to pay it back 444.93 altogether…just think how they operate is shady. paying 121.16 on a 323.77 loan. btw..I recenty paid off an 800 dollar loan thru advance america in which the fees were 120. if anything, I’d recommend them. Live in Ohio

  • I was recently let go from Check n go for not meeting the stores debt goal. In other words, I was fired because of people who did not pay back their loans. The way that they treat the employees is very bad. We have no control over who gets a loan but they hold the employees totally responsible if the loan is not paid back. On my termination paperwork it states that to date I was not meeting my debt goal when in fact I was exceeding it and my store to date still is. They expect us to be their collection agents and want us to harass people on a daily basis. I was also told that I had received some fake SSI letters from customers that I had loaned to but they would not tell me which ones were fake?? Hello?? Is that not a Federal Offense to falsify SSI documentation? I kept asking and was just told more to follow. If this was true, would Check n Go if a legit company not have done something about this? The last 2 months of my employment it was as if I was shunned  I was offered no help and was even told by my acting boss to break policy…which I did not do. There were weeks that I worked over 55 hours. 

    This was my first, and last job in this field. I could never work for a company like this again. Everyday I came home feeling bad, not my kind of thing. Check N Go is nothing more than a modern day Loan Sharking Operation that should be shut down. They even go as far as to offer incentive contests to see who can collect the most money for bad debt by going into peoples accounts.
    And the way they treat the employees…well, if you still work there, get out while you can.  

    •  I agree with everything you have said, I currently work here. I have only been with the company for 4 months and I am ready to get as far away as I can. This place does things that I do not agree with, I am used to a team environment this place is sooo not that. There was another employee who helped me with my collection calls and the store manager found out and reprimanded this lady for helping me. Managers deny loans to people by their looks, yes I said it, you can be manually denied folks. There should definitely be employee drug testing enforced, because some of the employees here are questionable.

      You can’t talk to upper management if you have a complaint about the store you work at, because the upper management and store managers are all buddies. When there were some issues and I tried to voice my opinion, I was treated as though I was the problem.

      Store Managers hire their friends, with no interview and also help them take the assessment tests. There is so much wrong with this company that I could go on and on, but I won’t JUST STAY AWAY customers and potential employees.

  • I took out a payday loan about three months ago. I had been taking the option to “pay it down” until I lost my job about two weeks ago. Obviously when they tried to debit my account last week, it didn’t go through (I had already called them to try and set up arrangements, but those obviously didn’t last). I have been getting calls every 30 minutes from these people since Monday. They called my previous employer today looking for me, and the girl was beyond rude saying that the person that answered the phone had to of been me. Yes people do fall on hard times, however when you threaten me and are rude and nasty to people you contact trying to get your money back (which according to Ohio law, you are charging TOO much in interest) makes me REFUSE to pay you.

    Filing for bankruptcy, and letting my attorney have a field day with these people..

  • My husband took out a pay day loan with these guys 3-4 years ago. Not sure exactly.  He was laid off from his job and stopped making payments on this account 3 years ago.  We have recently been receiving phone calls from collectors saying they are going to issue warrants for our arrest due to the 3 checks that were given when the loan was made.  They have tried to run these checks and of course we closed the account 3 years ago.  They are threatening to have warrants issued for both of us for felony fraud.  I was not part of the loan at all.  Now they are calling asking for my husband as they need to serve him a subpena to appear in court.  Totally confused……………is any of this legal?

    • Confused99 – This is not our practice, you should contact Check N Go
      directly to be advised where there account is, and then we will research with
      that agency as well to ensure FDCPA compliance on collection activity.

    • Please contact Check ‘n Go directly to be advised where the account is, and then we will research with that agency as well to ensure FDCPA compliance on collection activity. 1-800-561-CASH

  • In all fairness to the company most of you people try to get too much money out and you cant afford to pay it back. or you apply for a bunch of different online loans that only lead to more bullshit. if you people would stop and think to review every site thoroughly first before applying and to only apply for what you know you could pay back then there would be no problem. so you are all morons for having no clue as to what youre talking about

    • @ Christianw_wlms- Yeah, because you just know EVERYTHING in regard to EVERY situation that any person using this company has ever had. Go eat a bullet fucktard.

    • People who are always telling others what they should be doing are just annoying. It’s just like the people who would tell people what they should be doing when the issue of how banks have changed how they handle overdraft fees came up. These same kind of people try to tell someone what kind of job they SHOULD have, so they don’t have any financial issues.

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