Bay City, Michigan Payday Loans | Check `n Go Locations

Google Reviews
5.0
Wednesday
10:00am
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6:00pm
Thursday
10:00am
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6:00pm
Saturday
10:00am
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2:00pm
Products and Services
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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.
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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.
FAQs
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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)
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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.
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Will opening a loan affect my credit score?
Unfortunately, we are unable to advise you on how your application may affect your credit score.
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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 Bay City
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
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
Amber was absolutely amazing. I was in and out within 15 minutes. I've never needed to do a PayDay loan and she walked me thru everything quickly and clearly.
Edit: So far I've had to do several loans to keep up. I've worked with Amber every time and I have to say she's fantastic at her job. She's fast and keeps enough free flowing small talk going that even the small amount of time you wait doesn't seem like anything.
I love Nicole and Amber! They are so helpful! I am keeping my loan open just to see them. Go see these girls! They are the best!
Nicole has always been so helpful. Thank you!
They’re all wonderful people there! Life’s tough and it’s nice to have a little help from time to time.
rex neuenfeldt
5 days ago
Danyell Nicole and Amber are the best! Very helpful!
Awesome store! Very friendly! Always willing to help and work with you.
Danyell was super helpful!
wreckit ralph
24 days ago
Has great customer service
Stacie Coleman
24 days ago
Danyell was amazing! Thank you for the help!
Mic queen and the girls were great!
Find Another Location Nearby
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Located at 3900 State Street Road, Suite G, Check `n Go in Bay City offers a wide range of financial solutions to fit your needs. Check `n Go prides itself on assisting Bay City customers by offering simple money solutions when they need them most. In addition to the 3900 State Street Road, Suite G 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 Bay City or
apply online.