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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Mar 22, 2022

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An instant loan lender has agreed to pay millions in restitution following the efforts of a San Francisco City Attorney. Dennis Herrera, the City Attorney, has announced that the first three months of 2013 will be focused on channeling restitution payments to affected victims of the lender’s unscrupulous practices.

In the press release, the City Attorney explained that Check ‘n Go had charged exorbitant interest rates on payday loans made online. Check ‘n Go violated California law when it lent instant loans carrying 400 percent interest, which is in excess of legal levels. The instant loan provider agreed to settle out of court and pay up to $4.3 million in restitution. It is expected that between $20 and $4,600 will be given to each claimant that is eligible for restitution.

“Although approximately 16,000 persons will receive notice and a claim form, the number of people who will receive restitution will depend upon the individual loan history of each claimant,” said Deputy City Attorney Kristine Poplawski, in an interview with

Herrera recognizes that the “reasonable effort” required by Check ‘n Go may not be enough to contact most eligible victims. In order to best serve affected former customers of the instant loan lender, he has initiated this three-month campaign to contact clients.

“We intend to work tirelessly over the next three months to get the word out to consumers about their rights, and to identify as many potential claimants as possible,” said Herrera in the release.

According to Poplawski, an administrator will mail restitution information to persons indentified via Check ‘n Go’s customer records.

Despite being based out of the state, Check ‘n Go is permitted to operate within California since it holds a finance lender’s license.

The refund program will end on March 28, 2013. Claimants can find out if they qualify for restitution by emailing [email protected], visiting, or calling 1-855-581-2350.