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Part of the Check 'n Go chain · locations
Check `n Go in Warr Acres, OK
Warr Acres, OK Check `n Go at 5904 NW 38th St provides quick payday and title loans during convenient business hours.
Data compiled from public sources · Rating from CreditDoc methodology
Check `n Go Review
The Check `n Go location at 5904 NW 38th St in Warr Acres, OK is a standalone payday and title loan storefront serving the local community. Located in Warr Acres, this branch is open Monday through Friday from 10 AM to 6 PM, with Saturday hours from 10 AM to 2 PM, and closed on Sundays for your reference.
At this Warr Acres Check `n Go location, you can apply for payday loans, title loans, and cash advances to address immediate financial needs. The staff at the 5904 NW 38th St branch can walk you through your options and answer questions about rates and repayment terms. Call +1 405-789-4441 to speak with a representative or stop by during business hours.
If you're a Warr Acres resident needing quick cash, bring your ID, proof of income, and bank account information when you visit. Check `n Go specializes in fast approval and same-day funding for qualified applicants.
Services & Features
Document upload portal
In-store loan applications
Installment loans
Loan underwriting and credit decisions
Netspend Prepaid Mastercard (reloadable)
Next-business-day online funding
No Cost Extended Payment Plans
Online loan applications
Payday loans
Phone loan applications (where available)
Same-day in-store funding
eSign loan agreement completion
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day funding available for in-store applicants
- 5.0-star Google rating from 1,021+ reviews — unusually strong for a payday lender
- No Cost Extended Payment Plans available for repayment flexibility
- Multiple application channels: in-store, online, and phone
- Netspend Prepaid Mastercard available for customers without traditional bank accounts
- Clear, upfront application requirements listed — no hidden documentation surprises
- Bad or no credit applicants encouraged to apply; credit is a factor but not an automatic disqualifier
Cons
- Payday loan fees translate to very high APR — the website does not disclose rates
- Requires checking account active for at least 30 days, excluding some unbanked customers
- Limited hours: closes 6PM weekdays, 2PM Saturday, closed Sunday
- Website was down for maintenance at time of research — may affect online applicants
- Loan amounts are limited by payday loan structure; not suitable for larger financial needs
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
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is Check `n Go legitimate?
Yes. Check `n Go is a registered company, headquartered in 5904 NW 38th St, Warr Acres, OK 73122.
Quick Facts
- Headquarters
- 5904 NW 38th St, Warr Acres, OK 73122
- 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 Detroit is best for borrowers who need fast, in-person emergency cash and have limited credit history, and who are within reach of the East Jefferson Avenue branch during its limited hours. The main caveat is cost: payday loans are expensive short-term instruments and no APR or fee information is published on the location page, so borrowers should ask directly before signing.
Best For
- Borrowers who need cash before their next payday and prefer face-to-face service
- People with bad or no credit who have been declined elsewhere
- Detroit-area residents who want same-day in-store funding
- Customers seeking a prepaid Mastercard alongside a short-term loan
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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