Check `n Go
Payday loans · also money orders · 16151 Cairnway Dr Ste 104, Bear Creek Central
★ 5.0 · 678 ratingsHours listed
Should you go here?
Well reviewed, but the loan itself is expensive.
Borrowers leave fewer bad reviews here than at 69% of Houston stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
of its written reviews are 1–2★, a lower share than at 69% of Houston stores. 5th of 6 Check `n Go branches here.
In fees on a $1,000 loan, at the Houston area average. Texas sets no cap on these fees.
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
From ratings and written reviews of this store, state fee data (OCCC, Q2 2026) and the chain’s own website. Checked September 2026. We don’t lend and no store pays us.
How it compares
Against every loan store in Houston and every other Check `n Go branch.
Rating
5.0Higher than 79% of Houston loan stores. City average is 4.4.
Lowest rated in HoustonHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 2% in 2026
What borrowers say
- Ask for Jennifer or Chris
- Known for fast service
Counted in 370 written reviews. Bars: mentions per 100.
What borrowers appreciate
Work out what you’d repay
Payday lenders in the Houston area report an average fee of $17.46 per $100 for 17 days (OCCC, Q2 2026) — about $30.81 per $100 a month. Texas sets no cap on these fees, so ask this store for its own.
I want to borrow
and pay it back
You’d pay in total
$1,308
$1,000 you borrowed$308 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $308 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
Who they lend to
- Income from benefits or retirement counts
At the store
Walk in, no appointment · Wheelchair access · Apply online first
From checkngo.com, checked September 2026
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Ask for it in writing before you sign.
- 2
What happens if I can’t pay on the due date?
Ask what a renewal costs and whether they call your employer or references.
- 3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.
Payday loans in Texas: how they work, your rights, how to get out →
Check the licence: OCCC licence search or call 800-538-1579.
Need $1,000 for 3 months? A credit-union loan could save you about $857.
A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.
Nearby alternatives
The closest real storefronts — at least two take a different route. Numbers match the map.
Been to Check `n Go?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Chris is an excellent Advisor everything went very well super fast and efficient very grateful for your help”
- “Jennifer took the time to explain everything clearly, making sure I felt comfortable and supported during these challenging times”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Payday loans, and also money orders.
Part of a chain: Check `n Go has 22 locations across the Texas cities we cover — Houston (6), El Paso (5), Dallas (3), Fort Worth (3), Laredo (2), San Antonio (1), McAllen (1), Brownsville (1). See the Check `n Go brand page.