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I received an unexpected pre-approved offer, or live check loan, in the mail. What happens if I cash or deposit it?

A live check is actually an unsolicited loan offer. It is usually sent in the mail, and if you cash or deposit the check you are bound by its loan terms, which may include high interest rates for multiple years. Before cashing or depositing a live check, you should make sure you understand the terms, and shop around for other loan options to see if you can find a better rate.

Have you ever opened your mail and found an unexpected check? Some checks are refunds and payments due to you, others are sample advertisements, some are fake check scams

, and some checks are pre-approved loan, or live check loan offers.

What is a live check loan?

A live check is a preapproved or "prescreened" loan offer that you did not apply for. It may be from a lender you have borrowed from in the past or from a new lender. The loan amounts usually range from several hundred to several thousand dollars. The check should come with the following information:

A disclosure of the loan fees

The annual percentage rate (APR)—which is the cost of the loan on a yearly basis

The payment schedule

The loan agreement

A privacy notice about the sharing of your personal information

Your right to exclude your name from future offers—called an opt-out notice

Contact information for the sender

Live check loans may have higher interest rates than other types of personal loans or credit cards, so it’s a good idea to shop around and compare terms before accepting a live loan check.

Is this pre-approved loan offer a scam?

Scammers sometimes send fake loan offers via mail, email, or text. These may look very similar to actual live check loan offers, but they are used to get your personal or financial information in order to commit identity theft or fraud. Learn more about check scams from the FTC.

Should I accept a live check loan?

Live check loans may be convenient, since you do not have to complete a loan application or file paperwork. However, live check loans may have much higher interest rates than other loans or credit cards. If you are interested in a loan or line of credit, you should shop around for information about the benefits and costs of all options. It’s also a good idea to research the live check lender to make sure they’re legitimate and not a scammer. Keep in mind that the best way to maintain a strong credit score and not waste money on interest and fees is to create a budget and save for what you need instead of using credit or a loan.

How does a live check work?

If you want to accept the live check loan, you must endorse the check by signing the back of the check and cashing or depositing the funds into your bank account. This creates a loan that you must repay on the due dates described in the loan agreement. If you pay late or do not pay, you may be charged fees along with interest, and the lender may report your debt to a credit reporting agency which could affect your credit score. To reject the loan offer, you should securely destroy—by shredding and throwing away—the live check to avoid potential fraudulent use by others.

How to stop unsolicited loan offers

Lenders offer live check loans based on information about your credit history from your credit report. If you do not want to receive live checks or other unsolicited loan offers, you have the right under the Fair Credit Reporting Act to opt out of future offers for five years or permanently. To opt out for five years, call 1-888-5-OPTOUT (1-888-567-8688) or visit OptOutPrescreen

. To opt out permanently, visit OptOutPreScreen

and return a signed "Permanent Opt-Out Election form," which they will send after you make the request. Learn more about opting out of unsolicited loan offers.

Check `n Go Online:

Whatever your need may be for a Check `n Go loan, we're here to help. Payday loans and installment loans are available online or at one of our 1,000+ locations across the country. We understand the urgency for a short-term loan, and are dedicated to ensuring our customers have the best experience possible.

Through our secure application, new customers can apply online and, upon approval, receive the cash they need as quickly as one business day. Need to cash a check, or want to learn more about Check `n Go's other services? Visit the store locator page and enter your zip code to find the nearest Check `n Go location.

Check `n Go login: Customers can login to their existing account, view prior loan history and submit a new loan application. Click the login button at the top of this page to access your account.

Every day we help thousands of people stretch their budgets when the unexpected occurs. If you're in need of cash and want a customer focused no hassle solution, apply now at Checkngo.com.

Frequently Asked Questions

To qualify, you must meet the following criteria:

The ability to meet all of the guidelines that are specific to your state of residence

An active checking account with direct deposit

An active e-mail address

Proof of income, verifiable employment

Be 18 years of age or older

No outstanding payday loans with Check `n Go online or retail location

Our convenient online application process:

Complete and submit the online application.

Review and accept online loan application information.

Review loan documents, loan status, amount of loan offered, total payback amount, and payment due dates.

Provide electronic signature accepting loan documents.

Fax any supporting documents requested on the application. The documents could include your most recent pay stub, or a bank statement that is no more than 30 days old.

The confidentiality of an installment loan transaction depends on the reputation of the lender. In the case of online lending, payday loans online security is even more crucial and depends not only on the policies of the provider, but on the structure of the company's Web site as well. For the safest possible installment loan transaction, be make sure of the following before borrowing:

Privacy Policy

Every lender should freely provide you with a privacy policy, whether you borrow in-store or online. This policy should be clear and concise and should outline all the circumstances in which your information is or is not shared with other companies. Online installment loan providers should make their privacy policies easy to locate and free to download.

Secure Site

Online lenders should encrypt their sites to ensure your security. Check in the bottom right corner of your Internet browser for the lock icon, which means that the site is encrypted and safe. You should also make sure your online transaction is secured through other reputable means as well, like with an Internet security and infrastructure specialist such as VeriSign. These additional security measures will be displayed on the site where you enter your sensitive information.

Check `n Go was founded in 1996 and has been growing ever since. We are a U.S. based direct lender and adheres to all state and federal rules and regulations.

Checkngo.com does not perform a traditional credit check for customers seeking a payday loan. We do obtain a credit report from Experian for customers seeking an installment loan.

Yes, In order to process and finalize your application, we require the following documents:

Your most recent pay stub (or if on SSI, a copy of your award letter)

An active checking account with direct deposit

Additional documentation may be required

Yes. You may pay off the balance of your loan early. Paying off early may result in an interest rebate if previous payments have never been delinquent. If you wish to pay off your loan early, contact Check `n Go for details and instructions.

Check `n Go Online provides personalized and knowledgeable customer service with competitively-priced, hassle-free financial products. We are backed by a network of over 1,000 retail locations nationwide. We offer convenient, secure online options. For more than a decade, our reputation for integrity has ensured your confidentiality and security. We continually develop new partnerships with financial service leaders to add new products and services to meet your changing needs.

Our customers know our reputation for integrity and we provide them with confidentiality and security. As an online customer, you enjoy the convenience of applying for an installment loan at any time of the day from home or work. Your loan funds are deposited directly into your checking account.

Online Disclosures

Customer Notice: Payday Loans are typically for two-to four-week terms (up to six months in IL). Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. See State Center for specific information and requirements.

*Approval depends upon meeting legal, regulatory and underwriting requirements. If approved, online loans are funded the next business day. All times and dates are based on Eastern Standard Time (EST). Check `n Go and third party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third party lenders may take that into consideration in the approval process.

**We do not report credit in Ohio.

**The median overdraft fee at the banks studied was $34. If a consumer were to borrow $24 for three days and pay a $34 finance charge, such a loan would carry a 17,000 percent

1 Not available in California. Rewards are subject to verification. Check ‘n Go (the "Company") may delay a Reward for the purpose of investigation. Company may also refuse to verify and process any transaction it deems, in its sole discretion, to be fraudulent, suspicious, in violation of these Terms and Conditions, or believes will impose potential liability on Company, its subsidiaries, affiliates, or any of its respective officers, directors, employees representatives, and agents.

† Check `n Go Online is not a direct lender in Texas and Ohio, where instead it acts in the capacity as a Credit Services Organization in conjunction with NCP Finance Limited Partnership as the direct lender for both in-store and online loans. Integrity Texas Funding also acts a direct lender in Texas for in-store loans only.

‡ Check `n Go and third party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third party lenders may take that into consideration in the approval process

Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender’s terms and conditions. Actual loan amounts vary. See State Center for specific information and requirements.

Check `n Go currently operates online in: Alabama, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Texas, Utah, Wisconsin, and payday loans Wyoming.

Check `n Go currently operates in store locations in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Utah, Wisconsin, and Wyoming.

Check `n Go OH License #SM.501663, #CS.900077, and #CC.700416. Rhode Island licensed check casher. California licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law and the California Finance Lenders Law. Texas and Ohio loans originated by a third party lender, restrictions apply. Eastern Specialty Finance, Inc. D/B/A Check `n Go is licensed by the Delaware State Bank Commissioner to engage in business in this State under 5 Del. C. § 2201 et al., under license numbers 9360, 010697, 9161, 010698, 9774, 010699, 9577, 010700, 010482, 010701, 011621, 011622, and 011308, and expires on 12/31/2017.

© 2017 Check `n Go . All rights reserved. 7755 Montgomery Road Cincinnati, OH 45236.

Xact loan check n go, Xact loan check n go