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Part of the Check 'n Go chain · locations
Check `n Go in Franklin, WI
Franklin's Check `n Go location on S 27th St offers quick payday and title loans to WI residents.
Data compiled from public sources · Rating from CreditDoc methodology
Check `n Go Review
Check `n Go in Franklin, WI is located at 6505 S 27th St, providing a convenient standalone location for South Franklin residents seeking quick financial solutions. The store is open Monday through Friday from 10 AM to 6 PM, and Saturday from 10 AM to 2 PM, giving Franklin workers easy access before or after their shift.
At this Franklin location, the team offers payday loans, title loans, and other short-term lending options to help WI residents bridge financial gaps. You can reach the store directly at 414-304-9999 to discuss your specific lending needs or ask about current rates and eligibility requirements.
If you live or work in Franklin and need emergency cash, bring a valid ID, proof of income, and banking information when you visit. The S 27th St store serves the Franklin community with straightforward lending when unexpected expenses arise.
Services & Features
Credit decision underwriting and eligibility determination
Customer support via phone line and in-store consultation
Documentation upload capability for online applicants
Extended payment plans (availability conditional, terms not specified)
In-store customer service and loan counseling
In-store loan applications with same-day funding option
Installment loans with structured multi-payment terms
Loan repayment processing in accordance with agreement terms
Netspend Prepaid Mastercard® reloadable cards
Online loan applications with eSignature acceptance
Payday loans (short-term loans repaid by next payday)
Phone-based loan applications (where available)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day or next-business-day funding available depending on application method
- Accepts applicants with bad credit or no credit history during underwriting review
- Quick application process (described as "apply in minutes") with eSignature capability
- Physical in-store location with extended hours (10 AM–6 PM weekdays, 10 AM–2 PM Saturday)
- High customer satisfaction reflected in 5.0 Google star rating with 1,024 reviews
- Multiple application channels: online, in-store, and phone (where available)
- Minimal documentation requirements compared to traditional lenders (no Social Security documentation required in Michigan)
Cons
- No APR rates, fees, or maximum loan amounts disclosed on website, preventing cost transparency
- Extended payment plan availability and terms hidden behind non-descriptive link
- Company cannot advise on credit score impact, suggesting limited credit reporting transparency
- Payday/installment loans carry high cost structures and risk of debt cycles typical to the product category
- Website was under system maintenance at time of profile creation, indicating potential service reliability concerns
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is Check `n Go legitimate?
Yes. Check `n Go is a registered company, headquartered in 6505 S 27th St a, Franklin, WI 53132.
Quick Facts
- Headquarters
- 6505 S 27th St a, Franklin, WI 53132
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Check `n Go
Check 'n Go is best for consumers experiencing genuine short-term emergencies who have no access to traditional credit and need funding within 24 hours. Critical caveat: payday and installment loans are expensive short-term debt products with APR rates and fees not disclosed on this website; borrowers must obtain full cost disclosure before committing and should only use these products as true emergencies, not as ongoing financial management tools.
Best For
- Borrowers facing unexpected expenses who need cash within 24 hours
- Individuals with poor or no credit history unable to qualify for traditional bank loans
- Those who prefer in-person loan processing with same-day funding capability
- Consumers needing structured installment repayment options rather than single payday repayment
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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