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I took out a $2000 payday loan from ChecknGo less than 2 weeks ago and when I went on their website yesterday to pay it off, there was no way to do so. I was at work so I did not want to use my break time to call customer service to pay it off so I emailed them instead, requesting the payoff amount. I was giving a total of about $2155 and was advised that interest accrued daily so that amount was only good if I wanted to pay it off “today.” So I responded immediately, around 1pm, authorizing the debit from account. Needless to say, this shady company ignored my authorization and allowed another day to go by before responding! At that time, they advised me that now the payoff amount had gone up more than $20 so my new payoff amount was $2180! Unbelievable! These shady practices need to be more closely regulated to protect consumers.
So i use this product consistently because it is needed until a certain time period. My bills are set up for auto pay so they get automatically charged. Multiple things got charged so i was dollars short for my repayment and it didn't go thru. I wasnt immediately notified about it either and found out just when i went to reapply. I set up a payment to pay it all on the website and it said it was scheduled. No payment ever got charged and it continued to add the days it was due. Then i paid directly with my debit card but while processing, still continues to add each day of being late.
When the payment is finally confirmed (after about 3-5 days) i try to reapply. I can now NOT reapply and their reason is history with creditor (which is them) i was late unintentionally and tried making a plan to which the system confirmed but never charged. Now i cant reapply because of the one late time and like i said im a consistent user. These processes are easy to try to apply but usually denied. Then theres the constant system or communication gaps and now i cant get the help i need. Definitely dont plan on trying again. Thought to share my experience so this gets fixed for the next customer.
Well trying to keep this simple and in a nutshell. Don't go there. I gave him a one-star because I took my son up there to have his check cashed and he was lied to and said that they could not cash the check however they could put it on a NetSpend card. We did not ask for that. We thought we had to do it and now it's been 5 days and he still has no paycheck on that card. In my opinion Check 'n Go is in with NetSpend. It is all a scam to get people to sign up. It's wrong. It's unethical and wrong.
I have used the Germantown, WI. location a few times and the experience has always been fantastic. Penny has made the loan process, quick, easy and painless. She is always, polite, professional and friendly. You are never charged a fee if you repay the loan early. Penny is wonderful to work with, she makes sure that you understand the process, makes sure that you have the amount you need and that you are comfortable with the repayment amount. I highly recommend the Germantown location and ask for Penny!
I attempted to apply for a payday loan online and kept getting an error msg saying I already am an account holder. So I called the nearest store near me because I'm desperate to know details of this account and the agent rudely transferred me off to someone and turns out to be the online service. So I explain to the man what I am calling for, give him the last 4 of my SSN and name and then he proceeds to tell me I had a loan back in Sept 2010 $14. As I try to tell him how crazy that sounds and ask how to get this cleared up, he continues to tell me I had this loan, so I had to raise my tone to get him to listen to what I was saying, and asked to get me to the correct dept so I can get this cleared up. He transfers me to a Feedback dept.
The lady says she can take my complaint, I say no this is much more serious than a complaint and a case of identity theft and I need to speak to whoever it is I need to to discuss this. She tells she handles and still asking me for a complaint or feedback about the situation and I have a major problem with that. How do you as a business take situations as such lightly like that. I had my identity stolen in 2010 and every now and then something pops up outta nowhere and I've gotta get it cleared. This here is another and these people only offer me a dept to leave feedback? Are you serious, so they just allow anyone to use other people's identity to open accounts and it's just nothing to them and leave your name slandered in their database. This is not ok.
Got approved online, went into store and gave them the requested info: check stub, bank statement, references, ID and pick up the cash like the email confirmation said to do. Then store manager says, "We cannot give you the cash." No explanation given, even though I asked why. Then customer service numbers did not even have any record of my application. Next I was informed it was the store's responsibility to inform me of why I was not approved. Called the store back and manager says, "We cannot tell you why." I believe I was approved, and the manager is taking the cash for himself and I will have a bad mark on my credit for this place later on.
If I was approved online, I should have been able to walk in and get the cash - easy. But that was not the case. They played me big time. Either he took the money for himself and is walking around town with my thousand bucks, or he stole my identification and is going to use it elsewhere. I am extremely disappointed and fuming after this incident. They have to be a scam.
Went to the Deer Park location and Michelle was so helpful!!! So was very cheerful and made the experience so easy!! Will definitely come back to Deer Park if I need anything else!! I walked right In and she greeted my husband and I with a smile!!!
I took out a installment loan of $2525 with an interest of 215% percent. I paid in interest about $3,800 in interest only for about 8 months and then when I called to pay it off I still had a balance of $2,100. Think first before you get a loan here, they take advantage of people with emergencies, also they most of them are very rude. I hope this help you to not get a loan in this place. Is not worth it.
Check 'n Go on Henry Street in Muskegon, MI has always been there for me. They are courteous and professional, with a smile. :) The finance charges are the lowest I have found. I recommend anyone who needs a cash advance to go there, you won't be disappointed!
So I took out some online payday loans in the past, but this review is of the most recent experience. I actually think Check 'n Go did a fairly good job with my payday loan. I took out 100 dollars and paid back 117.64 after a little less than a month. The only thing I find strange about the experience is that I was never emailed a payment confirmation. I actually had to purchase a domain to gain access to my email on file. So overall that was kind of a bummer. But at the same time, now I have another domain name. So yeah.
I read online somewhere that payday loans are not a long term income solution, which is true. However, I feel like this same description applies to ANY loan. For me, the payday loan was a way to get money when I was broke, have some cash, and then pay the bill for it later. In that sense, the payday loan worked for me. The online experience, however, did leave a bit to be desired. The FAQ on the website is very incomplete and doesn't describe the process for repayment very well and the website also doesn't list dates of past loans or their repayment dates.
I was also actually billed 2 days after my scheduled pay off date. This may not seem like a big deal, but it kind of was, because I had to buy absolutely nothing for 2 extra days. But overall I'm giving Check 'n Go 5 stars because mostly if you are smart about how you log in and sign up, with a permanent email you will always have access to (unlike how I did it), the experience is a pretty good one. I'd recommend this service to an extent, but if I did it again I'd go to a loan location and not online.
Check n' Go Company Information
- Company Name:
- Check 'n Go
- 7755 Montgomery Road
- Postal Code:
- United States
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