Valley, Alabama Installment Loans, Payday Loans | Check `n Go Locations

Google Reviews
5.0
Wednesday
10:00am
-
6:00pm
Thursday
10:00am
-
6:00pm
Saturday
10:00am
-
2:00pm
Products and Services
-
Installment Loan
Installment loans are unsecured personal loans that are paid back over a period of time on a fixed schedule. Installment loans may be used to cover major purchases, consolidate bills or larger expenses that may be unexpected.
-
Netspend Prepaid Mastercard®1
A reloadable Mastercard® that can be used like you would a debit card—for paying bills and shopping, but without using a traditional bank.
-
Payday Loan
A payday loan is a short-term loan paid back by your next payday. Payday Loans are fast solutions to cover unexpected expenses, utility bills, or to cover costs until your next payday.
No Cost Extended Payment Plans may be available. Please
click here for more information or contact your store.
-
Retail Remote Refis & Reloans
Existing Check `n Go retail customers may be eligible to re-loan or refinance their current installment loan by calling the store and speaking with our friendly customer service associates. The process is simple and secure.
FAQs
-
What do I need before I apply?
To apply for a loan, you'll need:
- Valid and working phone number
- Proof of most recent income information
- Valid US. Government issued photo ID or driver's license
- Proof of routing and account number from an open and active check account, must be active for at least 30 days.
- Official documentation of Social Security Number (AL, IN, OK only)
-
How does the loan process work?
Our loans and other services vary, so depending on how you want to apply (online, in store, or over the phone where available), things will be a little bit different. But generally speaking:
- Apply
Simply submit your application with all of the necessary requirements.
- Get a Decision
Your information will then go through our underwriting process. This will help determine your loan eligibility and, if approved, will dictate your rates and loan amounts.
- Loan Acceptance
Once you’re approved, you will be provided with the proposed loan amount, loan rate, due dates, and any other relevant information needed for you to make a decision.
- Receiving Funding
After you accept your terms and originate your Loan Agreement, funding is typically provided the following business day if you applied online, or typically the same day if you applied in person.
- Repayment
Payments are made in accordance with the terms of the Loan Agreement.
-
Will opening a loan affect my credit score?
Unfortunately, we are unable to advise you on how your application may affect your credit score.
-
Can I get a loan with bad or no credit?
While credit is a factor in the underwriting process, we cannot say if bad or no credit will prevent you from getting approved, so submit your application today for a full review and credit decision.
More Answers to Common Questions
What You Need to Apply for an In-Store Loan in Valley
Loan Requirements
- Proof of active checking account
- Working phone number
- Valid U.S. government-issued photo ID or the Matricula Consular card*
- Proof of income
*Payday loan customers must also present a valid U.S. Government issued Social Security card or ITIN.
Follow These Steps To Your Loan
Apply in Minutes
The process is quick, easy, and secure.
Receive a Decision
If approved, simply eSign and finalize your loan.
Get Your Money
Funding no later than next business day.*
Repay Your Loan
Pay back the loan amount and
any fees you might owe.
What Our Customers Say
Reviews
Stephanie Vines
9 days ago
Quanisha Harrell
11 days ago
Very patient with me help a lot
Great service today
Valeria Leverette
12 days ago
I just saw a fake review saying "Amanda is great!". The agent did have my phone maneuvering it in different areas to complete the loan. Oh, never let them physically have your phone. I didn't then nor now know the name of the agent for Check n Go. I can say that it's a rip off. How in good business would any lender get $8000 on $2000 borrowed?!?! Yes, this person said pay out will be April, I'm hearing 2027 because $200 every two weeks. Instead, it 2028 and it's $2000 PLUS $6000.
The agent took in my urgency of getting another car, been ripped off by an auto repair shop of thousands of dollars and a hit from behind accident last year and not wanting to ruin my credit. Well, ma'am there's not going to be a large settlement or anything that would pay the borrowed $2000.
I will be homeless, broke, apply for needed disability, credit score can go to ZERO--so if Check n Go can get $8000 from those situations, go for it.
Regina Jackson
17 days ago
Great service today with nakisha explained everything well
Kevin Whitlow
25 days ago
Really good service today
Khloe Trammell
1 month ago
Amanda is awesome! Go see her!
Great service todsy please visit them
James Mcclure
1 month ago
April Barnett
1 month ago
Good service today & very helpful
Quick and simple and friendly!!
Alethea Allen
1 month ago
Great service today like always
Christine Dunn
1 month ago
Amanda was nice and helpful
Find Another Location Nearby
Skip link
Located at 3214 20th Ave. Suite B, Check `n Go in Valley offers a wide range of financial solutions to fit your needs. Check `n Go prides itself on assisting Valley customers by offering simple money solutions when they need them most. In addition to the 3214 20th Ave. Suite B location, we also have hundreds of locations across the country. We hope to see you soon, so come by and speak to one of our friendly and knowledgeable team members today. Need funds fast? Visit us in Valley or
apply online.