Loans like Check ‘n Go

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
• Alternative for installment loans: LoansLoans

Cash advances like Check ‘n Go

• Alternative for fast pay advance: Nyble
• Alternative for no credit check: KOHO

Payday loans like Check ‘n Go

• Alternative for fast payday loans: iCash
• Alternative for emergency loans: GoDay
• Alternative for in-store payday lender: Cash Money

Compare personal loans like Check ‘n Go

Alternative for personal loans for all credit: Loans Canada

8.5 Great

Go to site

$300 – $50,000
Loan amount

9.9% – 46.96%
APR

4 - 60 months
Term

• Info
• Pros + Cons
• Details

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

7 Great

Go to site

$500 – $1,000
Loan amount

28% – 32%
APR

3 - 12 months
Term

• Info
• Pros + Cons
• Details

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
Origination fee	$300
Turnaround time	Receive funds in less than 24 hours
Serviced provinces	All of Canada (except Manitoba)

Compare cash advances like Check ‘n Go

Alternative for fast pay advances: Nyble

Go to site Read review

Nyble Credit Line

$30 – $250
Loan amount

Starting at 0%
APR

30 days, extendable
Term

• Info
• Pros + Cons
• Details

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.

Alternative for no credit check: KOHO

Go to site

$20 – $250
Loan amount

Starting at 0%
APR

Flexible
Term

• Info
• Pros + Cons
• Details

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

Compare payday loans like Check ‘n Go

Alternative for fast payday loans: iCash

Go to site Read review

iCash Payday Loan

$100 – $1,500
Loan amount

7 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

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
• Get money within an hour
• Get funded 24/7

• Payday loans are expensive
• Short repayment terms
• Only available in AB, BC, MB, NB, NS, ON, PEI

Loan amount	$100 – $1,500
APR	Varies by province
Term	7 - 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 emergency loans: GoDay

Go to site Read review

GoDay Payday Loan

$100 – $1,500
Loan amount

1 – 62 days
Loan Term

2 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

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

Read review

Cash Money Payday Loan

$100 – $1,500
Loan amount

5 – 40 days
Loan Term

15 minutes
Min. Turnaround Time

• Info
• Pros + Cons
• Details

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.

You can see how other top payday loan providers compare to Check ‘n Go in our full guide to the best payday loans in Canada here. Or, you can explore cheaper, smaller loan options by checking out our guide to pay advances.

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.

Written by

Chelsey Hurst

Publisher

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

Co-written by

Anna Serio

Editor

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

Anna has written 61 Finder guides across topics including:

• Personal, business, student and car loans
• Building credit
• Paying off debt