Payday & Small-Dollar Lenders · Payday & small-dollar lender (storefront + online) · Regulatory action
Check 'n Go (Southwestern & Pacific Specialty Finance / CNG)
Headline
Check 'n Go's online privacy policy says the company reserves 'the right to share, rent, sell, or otherwise disclose' the information it collects 'with affiliates and third parties for direct marketing purposes.'
Not independently verified. Verification status: Unverified - heuristic first draft. Publish state: draft unverified.
Check 'n Go's online privacy policy says the company reserves 'the right to share, rent, sell, or otherwise disclose' the information it collects 'with affiliates and third parties for direct marketing purposes.' That language is unusually broad for a lender whose customers are, by definition, short on cash. California regulators found in a 2019 consent order that Check 'n Go told borrowers asking for small loans that it could not lend under $2,505 because of state law. Loans of $2,500 or more escape California's roughly 30% rate cap, and between 2013 and March 2018 Check 'n Go charged 54.39%-360% on loans of $2,600 or less. Check 'n Go does not list Virginia, Maryland or DC among its product states.
- Severity
- Evidence tierUnassigned
- Claims confirmed
- Last verified2026-10-16
Primary source. dfpi.ca.gov/wp-content/uploads/sites/337/2019/06/Southwestern-Pacific-Specialty-Financial-Inc-6-5-19.pdf — Unverified - heuristic first draft.
Terms
Arbitration
Not verified this pass (website terms contain no arbitration clause; loan agreement not reviewed).
Data sharing
Online Privacy Policy (effective Dec. 9, 2024): 'We further reserve the right to share, rent, sell, or otherwise disclose the information we collect with affiliates and third parties for direct marketing purposes.' It also uses third-party ad-tech cookies and pixels to advertise on unaffiliated sites and shares data with joint-marketing financial institutions. The site footer offers CCPA 'Opt Out of Sale of Your Personal Information' and 'Do Not Sell My Personal Information' links. Text-message opt-in data is excluded from sharing. Lead-generator use was not verified.
Fees and billing
California DBO 2019 consent order (from a 2015 exam): from Jan. 1, 2013 through Mar. 31, 2018, Check 'n Go charged 54.39% to 360% on loans of $2,600 or less without disclosing that loans of $2,500 or more fall outside California's rate limits. Employees allegedly said state law barred loans under $2,505, required a prepayment wait, and required a full-amount collateral check. Penalty and costs were $20,000, plus scripted disclosures, training and monthly reviews. The site's own payday disclosure warns that using payday loans for several months 'can be expensive.'
Contacts
Privacy contact. 1.800.561.2274 (site customer line); CCPA opt-out link on checkngo.com/legal/ccpa-opt-out.
Legal notice. Principal place of business per 2019 DFPI order: 7755 Montgomery Road, Suite 400, Cincinnati, OH 45236. Site footer lists a P.O. Box 36124, Cincinnati, OH 45236. Registered agent not verified.
Mailing address. Not recorded.
Evidence
No claims have been itemized for this row yet.
Sources
| Source | Claim | Tier | Status | Quote |
|---|---|---|---|---|
| State regulator consent order · 2019-06-05 dfpi.ca.gov/wp-content/uploads/sites/337/2019/06/Southwestern-Pacific-Specialty-Financial-Inc-6-5-19.pdf | whole row | Unassigned | confirmed | “During the period of January 1, 2013 through March 31, 2018, SWP charged interest rates of 54.39% to 360% on loans of $2,600.00 or less.” Quote basis: not recorded. |
| State regulator enforcement index · 2024-09-20 dfpi.ca.gov/enforcement_action/check-n-go/ | whole row | Unassigned | confirmed | “03/26/07 - Desist and Refrain; Citation Order; Settlement Agreement 06/05/19 - Consent Order” Quote basis: not recorded. |
| Company privacy policy · 2024-12-09 www.checkngo.com/legal/online-privacy-policy | whole row | Unassigned | confirmed | “We further reserve the right to share, rent, sell, or otherwise disclose the information we collect with affiliates and third parties for direct marketing purposes” Quote basis: not recorded. |
| Company rates page · 2026-10-16 www.checkngo.com/rates-and-terms | whole row | Unassigned | confirmed | “Select Your State Alabama California Delaware Florida Idaho Indiana Kansas Michigan Missouri Oklahoma South Carolina Texas Utah Wisconsin” Quote basis: not recorded. |
| Company terms · 2025-05 www.checkngo.com/legal/terms-and-conditions | whole row | Unassigned | confirmed | “Effective Date: May 2025” Quote basis: not recorded. |
| Statute · 2026-10-16 mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gcl§ion=12-306&enactments=false | whole row | Unassigned | confirmed | “2.75 percent interest per month on that part of the unpaid principal balance not more than $500” Quote basis: not recorded. |
| State AG press release · 2020-06-05 oag.dc.gov/release/ag-racine-sues-predatory-online-lender-illegal | whole row | Unassigned | confirmed | “payday loans are illegal in the District” Quote basis: not recorded. |
| Statute · 2026-10-16 law.lis.virginia.gov/vacode/title6.2/chapter18/section6.2-1817/ | whole row | Unassigned | confirmed | “Interest at a simple annual rate not to exceed 36 percent” Quote basis: not recorded. |
Source vault
Link status: Candidate - not yet fetched
| Document | Last fetch | |
|---|---|---|
| Privacy policy https://www.checkngo.com/legal/online-privacy-policy | Not fetched yet | NOT CONFIRMED |
| Terms of service https://www.checkngo.com/legal/terms-and-conditions | Not fetched yet | NOT CONFIRMED |
| Website https://www.checkngo.com/ | Not fetched yet | — |
| Primary source https://dfpi.ca.gov/wp-content/uploads/sites/337/2019/06/Southwestern-Pacific-Specialty-Financial-Inc-6-5-19.pdf Verification: Unverified - heuristic first draft | Not fetched yet | — |
Enforcement
No enforcement actions are linked to this row.
State statute
No comprehensive state privacy statute on file for OH