Check ‘n Go is an established, US-based lender that offers payday and installment loans. US residents can apply online or in person and if approved, could have the funds the same day.
But like other payday loan lenders, its APRs can exceed 500%. Our list of sites like Check ‘n Go offers Canadian alternatives with features like Interac e-Transfer, fast loan turnarounds, potentially lower fees and automated, online applications.
Is Check ‘n Go in Canada?
No, Check ‘n Go is not available in Canada. In order to apply for a Check ‘n Go loan, customers need to provide a valid US Government-issued photo ID and possibly a Social Security number, which means Canadians won’t be able to apply.
Personal loans like Check ‘n Go in Canada
Alternative for personal loans for all credit: Loans Canada
Loans Canada is a free loan broker platform that connects borrowers with a variety of loans, including personal loans for all types of borrowers, even those with fair or bad credit scores. Simply fill out an application and get matched with a list of lenders that are open to financing you.
Easy online application
Quick funding
High loan amounts of up to $50,000
Bad credit, CERB and EI borrowers considered
Interest rates can reach as high as
Your vehicle could be repossessed if you default on the loan
Loan amount
$300 – $50,000
APR
9.9% – 46.96%
Term
4 - 60 months
Min. credit score
300
Fees
No application, origination or brokerage fees
Origination fee
0
Turnaround time
Receive funds in as little as 24 hours.
Serviced provinces
All of Canada
Alternative for short-term installment loans: LoansLoans.ca
LoansLoans.ca offers fast short-term installment loans, but with no credit check. NCR Financial, the company that operates LoansLoans.ca, has been in business for over 15 years and is registered in Quebec.
Apply online and get approval within one hour
Interest rates can reach as high as 32%
Services: All of Canada (except Manitoba)
Small loan amounts between $500 and $1,000
The broker fee can be as high as $300
Loan amount
$500 – $1,000
APR
28% – 32%
Term
3 - 12 months
Min. credit score
300
Fees
Late payment fee (2.66% per month), $45 NSF fee, broker fee
Apply online for an interest-free line of credit of up to $250 to cover small expenses and build your credit. Get funds in 1-3 business days with a free account. For $11.99 per month, get access to premium services, including funding in 1-30 minutes, a free Equifax credit report and identity theft protection.
No credit check required
No application fee
No late payment fee
More affordable than payday loans
$11.99 per month for fast transfers, full credit report and other premium perks
Small loan amounts only
Loan amount
$30 – $250
APR
Starting at 0%
Term
30 days, extendable
Fees
0% interest with optional fees
Origination fee
$11.99
Turnaround time
1-30 minutes with a paid membership or 1-3 business days with a free membership.
Get a zero-interest cash advance ranging from $20 to $250 when you pay a 0% interest with a subscription fee starting at $2/month. You'll need a KOHO account to access this service.
No late fees
0% interest
No impact on credit score
Free financial coaching service
KOHO savings account required
Loan amount
$20 – $250
APR
Starting at 0%
Term
Flexible
Fees
0% interest with a subscription fee starting at $2/month
Turnaround time
Immediately
Serviced provinces
All provinces and territories
⚠️ Warning: Be cautious with payday loans
High-cost payday loans are unsustainable for borrowing over a continued period of time and are expensive as a means of longer-term borrowing. If you're experiencing financial hardship call Credit Counselling Canada for free financial counselling (Monday-Friday 8:00am-5:00pm at +1 866-398-5999). You may also want to consider payday loan alternatives.Maximum borrowing costs will vary by province. Review the maximum borrowing cost for your province before entering into a loan agreement.
iCash provides quick payday loans, similar to what Check 'n Go offers, while accepting non-employment income. You can get e-Transfer funding in as little as 2 minutes after approval.
4.7/5 stars based on over 2,300 Trustpilot reviews
GoDay offers payday loans you can apply for and get approved for within minutes. Once approved, loan funds can be transferred within minutes. Like Check 'n Go, GoDay offers payday loans, allowing you to borrow up to $1,500 between paycheques.
4.5/5 stars based on over 2,400 Trustpilot reviews
Get loan funds via e-transfer
Apply and get funding 24/7
Very expensive APR
Can easily trap customers in a cycle of debt
Only available in AB, BC, MB, NB, NS, ON, PEI, SK
Loan amount
$100 – $1,500
APR
Varies by province
Term
Up to 62 days
Min. Turnaround time
As little as 2 minutes with Interac e-Transfer
How to apply
Online In Store
Credit Check
Yes
Alternative for in-store payday lenders: Cash Money
Through its payday loans, Cash Money offers similar loan amounts and interest rates compared to Check 'n Go. Get instant approval and funding in as little as 15 minutes when you apply with Cash Money.
Instant decisions
Fast access to funds
Established lender with A+ Better Business Bureau rating
Not available in all provinces
High cost of borrowing
Loan amount
$100 – $1,500
APR
Varies by province
Term
5 - 40 days
Min. Turnaround time
As little as 15 minutes with INTERAC e-Transfer
How to apply
Online In Store
Credit Check
Yes
How Check ‘n Go compares
Check ‘n Go charges high APRs which can reach 500% or more, making this and other lenders that offer payday loans best used only for infrequent emergency situations. Here are Check ‘n Go’s main pros and cons.
Pros
Easy application process
Same-day funding available
Bad credit is OK
Cons
More expensive than a personal loan or pay advance app
How to decide which Check ‘n Go alternative is right for you
Because Check ‘n Go isn’t available in Canada, it’s important to decide which Canadian alternative lender is the right fit for your needs. Firstly, you’ll need to decide what type of loan to apply for based on how much money you need.
If you only need a small loan to tie you over until the next payday, a 0% interest pay advance from an app like Nyble might be your cheapest option. If you need to borrow a larger amount and you have bad credit, consider an installment loan from a lender like LoansLoans.ca.
Because they’re one of the most expensive loan options on the market, and can easily trap borrowers in a cycle of debt, it’s usually best to only use payday loans as a last resort. If you do opt for a payday loan, consider reputable lenders like GoDay and iCash, which offer online applications for up to $1,500 with funding turnaround within minutes of applying.
Chelsey Hurst is a publisher at Finder, specializing in banking and investments. She loves empowering people to avoid financial pitfalls and make better decisions with their money. Chelsey has a Bachelor of Science from Redeemer University, a Master of Science from McMaster University, and has won multiple awards for research communication. In her spare time, Chelsey enjoys cooking and taking long walks in nature. See full bio
Anna Serio was a lead editor at Finder, specializing in consumer and business financing. A trusted lending expert and former certified commercial loan officer, Anna's written and edited more than 1,000 articles on Finder to help Americans strengthen their financial literacy. Her expertise and analysis on personal, student, business and car loans has been featured in publications like Business Insider, CNBC and Nasdaq, and has appeared on NBC and KADN. Anna holds an MA in Middle Eastern studies from the American University of Beirut and a BA in Creative Writing from Macaulay Honors College at Hunter College, CUNY. See full bio
Anna's expertise
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