Check `n Go
Payday loans · also installment loans, check cashing, money orders · 500 N 23rd St Ste 20
★ 4.9 · 425 ratingsHours listed
Should you go here?
Average reviews, but the loan itself is expensive.
Its share of bad reviews is about average for McAllen. 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 59% of McAllen stores.
In fees on a $1,000 loan, at the McAllen 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 McAllen.
Rating
4.9Higher than 38% of McAllen loan stores. City average is 4.5.
Lowest rated in McAllenHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 29% in 2025
What borrowers say
- Known for explaining the terms clearly
Counted in 236 written reviews. Bars: mentions per 100.
What borrowers appreciate
Work out what you’d repay
Payday lenders in the McAllen area report an average fee of $30.28 per $100 for 21 days (OCCC, Q2 2026) — about $43.26 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
$1,433
$1,000 you borrowed$433 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $433 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
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?
Borrowers here mention: known for explaining the terms clearly.
- 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 $1,231.
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.
- 1Excel FinanceInstallment loans · 0.1 mi★ 5.0Few bad reviews
- 2Discount Car Title Loan - McAllen - Pecan & 23rdTitle loans · 0.6 mi★ 4.9
- 3Stepstone CreditSmall loans · 0.6 mi★ 5.0Few bad reviews
- 4Texan Credit CorporationInstallment loans · 0.6 mi
- 5World FinanceInstallment loans · 0.6 mi★ 5.0Few bad reviews
- 6Plaza Finance CoInstallment loans · 0.7 mi
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
- “Great service Mel was very nice and was able to help me in and out quick thank you”
- “Edith was very nice, explained process very well”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Payday loans, and also installment loans, check cashing, 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.