Many or all companies we feature compensate us. Compensation and editorial research influence how products appear on a page. Personal Loans Is Check n’ Go Legit for a Personal Loan? Our Complete 2025 Review Updated Aug 31, 2025 15-min read Reviewed by Amanda Hankel Reviewed by Amanda Hankel Expertise: Writing, editing, digital publishing Amanda Hankel is a managing editor at LendEDU. She has more than seven years of experience covering various finance-related topics and has worked for more than 15 years overall in writing, editing, and publishing. Learn more about Amanda Hankel Installment LoansView Rates Our take: Check `n Go can work for borrowers who need a small loan quickly and may not qualify elsewhere, but its lack of transparency, $5,000 loan cap, and no prequalification option make it less appealing than other lenders. While the process is simple and customer service is solid, better choices exist if you qualify. Quick, simple process for a small loan in a pinch Fast funding, in as little as 30 minutes if using a Visa debit card Easy loan management platform called Pocket360 Lack of transparency around rates and terms No soft-credit-check prequalification Loans capped at $5,000 Table of Contents What is Check `n Go? How do Check `n Go installment loans work? Interest rates and loan amounts State availability Costs and fees Repayment Options and terms Pocket 360 loan management platform Requirements and eligibility How to apply Check `n Go reviews and customer feedback Check `n Go customer service Pros and cons of Check `n Go loans Alternatives to Check `n Go installment loans Check `n Go vs. Upstart Check `n Go vs. Upgrade Check `n Go vs. Avant Check ‘n Go’s other products Cash advances Payday loans Netspend Prepaid Mastercard® What is Check `n Go? Check `n Go began in 1994 in Covington, Kentucky, with a focus on providing quick access to cash for borrowers who might not qualify through traditional banks. Since then, it has expanded nationally, offering installment loans, payday loans, cash advances, and additional services such as the Netspend Prepaid Mastercard®. Availability varies by state, with some products offered online and others in-store. Its installment loans, capped at $5,000, are the company’s main product. These loans feature fixed payments aligned with the borrower’s pay cycle, and funds can be available as soon as the next business day online or the same day in-store. Pocket360, the company’s online management tool, allows borrowers to track balances and make payments. While Check `n Go is designed to provide fast funding and flexible options, it does not disclose detailed rates or terms upfront and does not offer soft-credit-check prequalification. This means applicants must complete a hard credit inquiry to determine eligibility and loan details. How do Check `n Go installment loans work? Check `n Go installment loans can be used for a range of needs, such as covering emergencies, consolidating debt, or making larger purchases. The company doesn’t place strict restrictions on how funds are used, but borrowers are expected to spend them responsibly. Application: You can apply online or in-store, depending on state availability. The process requires personal and financial details, including proof of income. Joint applications and cosigners are not accepted. Unlike many lenders, Check `n Go does not offer soft-credit-check prequalification, so applying will likely trigger a hard credit inquiry. Approval and loan amount: Check `n Go reviews your application to determine eligibility. It does not disclose specific credit or income requirements. Loan amounts vary by state, with a maximum of $5,000. Receiving funds: Once approved, funding is fast. Online loans are usually deposited the next business day, while in-store loans may be available the same day. If you choose an eligible Visa debit card linked to your bank account, funds can arrive in as little as 30 minutes after approval. Loan management: Borrowers can track balances, make payments, and manage their accounts through Pocket360, Check `n Go’s online loan management platform. Check ‘n Go interest rates and more Check ‘n Go’s personal installment loan is available in several states online and in-store. It also offers variations of the installment loan for select customers and residents. For Ohio residents, the Select Loan is exclusively in-store. Meanwhile, the Choice Loan® is an in-store-only option. The company doesn’t disclose much about the differences between these products or the details of its personal installment loan. For assistance, it’s best to stop in to a location, if available, or call 1-800-561-2274. Here’s a quick overview of the general terms we could find for Check ‘n Go’s personal loans. TermsDetailsFixed rates (APR)Varies by stateLoan amountsUp to $5,000Repayment periodBased on the borrower’s pay cycle/frequencyUnsecured or secured?UnsecuredJoint loans?No Time to funding after approvalNext business day online, possibly same day in-store; within 30 min. if using a Visa debit card to receive the fundsUnique featuresOnline management via Pocket360 online appLoan refinancing available for eligible loans State availability Loan amounts and online versus in-store availability of installment loans vary by state. Here are the states where Check ‘n Go’s personal loan: StateAvailabilityMaximum loan amountAlabamaOnline and in stores$5,000DelawareOnline and in stores$5,000IdahoOnline and in stores$5,000MissouriOnline and in stores$5,000OklahomaIn stores$1,500South CarolinaOnline and in stores$5,000TexasOnline and in stores$5,000 (in-store) / $4,500 (online)UtahOnline and in stores$5,000WisconsinOnline and in stores$5,000 Costs and fees Check `n Go does not publish exact rates for its personal installment loans. Loan costs vary by state and are based on factors like credit history and income. The company notes that fees such as late payment charges may apply, but it does not provide detailed fee schedules online. Loan amounts are capped at $5,000, and repayment terms are tied to the borrower’s pay cycle. Since no soft-credit-check prequalification is available, borrowers cannot view their potential rate or terms without applying and undergoing a hard credit inquiry. Repaying a Check ‘n Go installment loan Repayment on a Check ‘n Go personal loan is tailored to the borrower’s pay cycle, with several options available for making payments. Repayment options and terms Repayment schedule: Repayment terms on installment loans vary, and Check ‘n Go doesn’t specifically disclose them. It says it aligns repayment dates with the borrower’s paydays to make the process more manageable. The options include: Payment optionWhat it looks likeWeeklyPayments are made every week (for example, every Friday)BiweeklyPayments are made every two weeks (for example, every other Friday)MonthlyPayments are made once per month (for example, the 1st of each month)Semi-monthlyPayments are made twice per month (for example, the 1st and 15th of every month) Customizability: The repayment frequency aligns with your pay cycles, but the terms aren’t entirely customizable. They are set based on the loan agreement and state regulations. Impact on cost: The frequency of payments can affect the overall cost at the end of the term. More frequent payments might reduce the interest accrued over time, lowering the total cost of the loan. No prepayment penalty: Borrowers can pay off their loan early without incurring a prepayment penalty. This can be a prudent decision that reduces the total interest you pay over the life of the loan. Pocket 360 loan management platform Borrowers can make payments online through Check ‘n Go’s management system, Pocket360. This platform offers a convenient and straightforward way to track and manage loan repayments. You can also call a customer service agent at 888-372-9329 to make a payment. Online loans can only be paid online or over the phone—you can’t pay an online loan in a Check ‘n Go store. Check `n Go loan requirements and eligibility Eligibility for a Check ‘n Go personal loan hinges on a few criteria, but the company doesn’t disclose details about certain minimum requirements. A valid U.S. government ID or driver’s license is essential, and in Alabama, Indiana, and Oklahoma, applicants must provide their Social Security number. Check ‘n Go doesn’t specify a minimum credit score or income, but it considers various income sources, including unemployment income and Social Security benefits, as valid proof of income. Check ‘n Go doesn’t accept co-applicants or cosigners, meaning eligibility and loan terms are determined based on an individual applicant’s information and creditworthiness. Here’s a breakdown of the primary eligibility requirements: RequirementDetailsCitizenshipNot disclosed; Valid U.S. government ID or driver’s license required; Social Security number required in Alabama, Indiana, and OklahomaEmployment statusNot disclosed; Various income sources accepted, including unemployment, disability, and Social SecurityState of residenceAvailability variesSee table above for specific state availabilityMinimum ageNot disclosedMinimum credit acoreNot disclosedMinimum incomeNot disclosed, but proof of income is requiredOther requirementsValid phone number; Active checking account with proof of routing and account number, active for at least 30 days How to apply for a Check `n Go loan online The application process at Check ‘n Go is straightforward, but it lacks features that could make the process more borrower-friendly. Unlike lenders that offer a soft credit check to prequalify, Check ‘n Go does not state whether applying will affect the applicant’s credit score. This lack of a prequalification step means borrowers may not be able to gauge their eligibility without affecting their credit. If you decide to apply, here are the steps: Gather necessary documents: Before applying, ensure you have all required documents. These typically include a valid government-issued photo ID, proof of income (such as recent pay stubs), a valid and working phone number, and details of an active checking account. Complete the application: Visit Check ‘n Go’s website or a store (if available in your state) to start the application process. Fill in the required details, including personal, employment, and financial information. Undergo credit and eligibility check: Upon submission, Check ‘n Go will review your application. This process may include a credit check, which could affect your credit score. Wait for approval: The approval time can vary. Borrowers often receive a quick decision, sometimes the same day they apply. Loan disbursement: If you’re approved, the loan amount is often disbursed by the following business day for online applications. In-store applications may offer same-day funding. Check `n Go reviews and customer feedback To assess the reputation of Check ‘n Go, we consulted customer reviews and ratings from trusted sources. These reviews provide insights into customer experiences and satisfaction. SourceCustomer ratingNumber of reviewsTrustpilot4.5 out of 59,791 reviewsBetter Business Bureau (BBB)1 out of 57 reviewsGoogleNearly 5 out of 5 in most locationsVaries by location Data collected August 31, 2025 Check ‘n Go’s reviews paint a mixed picture of its reputation: Trustpilot: A high rating of 4.5 out of 5 based on over 9,000 reviews suggests many customers are satisfied with the service, citing a simple process with good customer service. Better Business Bureau (BBB): Check ‘n Go has an A+ rating, but it is not BBB-accredited. Accreditation shows a commitment to making an effort to resolve consumer complaints. The customer rating is low at 1 out of 5. Complaints include reports of threatening calls from debt collectors, indicating potential issues in its collections practices. Google: These reviews vary by location but are generally positive. The near-perfect scores in most locations highlight good customer service experiences. These reviews are from well-regarded sources that are widely trusted for consumer feedback. Trustpilot and Google Reviews are platforms where customers can freely express their opinions, making them reliable for gauging customer satisfaction. The BBB rating, although not based on customer reviews, reflects business practices and ethics, which are essential factors in evaluating a lender’s reputation. Despite the negative aspects, particularly noted in BBB reviews, Check ‘n Go’s overall customer satisfaction seems favorable, especially in terms of the ease of process and customer service. However, the complaints reported to the BBB suggest areas where Check ‘n Go could improve, particularly in its debt collection methods. Check `n Go customer service Check ‘n Go’s customer service team plays a crucial role in assisting borrowers throughout the loan process. The company is headquartered in Cincinnati and houses a customer service team for its online loans. Borrowers can also visit retail locations in various states for in-store assistance. If loans are available in-store in your state, it means retail locations exist. Use the Find a Store function on Check ‘n Go’s homepage to find a location near you. Customers can reach out to Check ‘n Go customer service for assistance with loan applications, repayment queries, account management issues, or any other concerns related to the company’s services. The team is noted for its role in contributing to positive customer service experiences as reflected in various customer reviews. If you need to contact Check ‘n Go, several methods are available: Contact page: Submit a question or concern on the Check ‘n Go contact page. Messages are grouped according to three main concerns—loans and application questions, feedback and complaints, and fraud concerns. Phone number: Feedback hotline: 888-372-9329 Retail support: 800-561-2274 Mailing Address: Check `n Go, P.O. Box 36454, Cincinnati, OH 45236-0454 Chat box: Available on the Check ‘n Go website for instant support. Pocket360 account: For managing loans and getting in touch with customer service. Pros and cons of Check `n Go loans Check ‘n Go, like any financial service, comes with advantages and drawbacks. Understanding these can help you make an informed decision about whether it’s the right option for your needs. Pros Credit building If you consistently make on-time payments, Check ‘n Go’s installment personal loan could help in building credit history and improving your credit score. Fast funding if you use a Visa debit card If you receive your funds using a Visa debit card, you can receive your funds in as little as 30 minutes. Easy online payment platform Pocket360 allows users to manage their loans easily online. Cons Lack of transparency Check ‘n Go doesn’t disclose much about rates and terms on its website. This lack of clarity can make it challenging to compare options and understand the full cost of the loan. No soft credit check to prequalify The website doesn’t disclose how applying might affect your credit. The absence of a soft credit check for prequalification means potential borrowers can’t gauge their eligibility without risking harm to their credit score. Varying availability and loan amounts The availability of loans and the maximum loan amounts vary by state, which can be inconvenient for borrowers in certain regions. In most states, the maximum amount for personal loans is $5,000. Small loan amounts Compared to other lenders, Check ‘n Go offers relatively small loan amounts, limiting its usefulness for those needing more substantial financing. Check ‘n Go offers a viable option for borrowers looking to build credit through installment loans. However, its lack of transparency, absence of a soft credit check for prequalification, and varying availability and loan amounts based on state can be significant drawbacks. The smaller loan amounts also may not meet the needs of all borrowers. For those who qualify, exploring other online lenders might be more beneficial, especially lenders that offer more transparency, higher loan amounts, and soft credit checks for prequalification. Check out our best personal loans page to view our recommended lenders for varying credit scores. Alternatives to Check `n Go installment loans Borrowers who qualify for traditional personal loans may find better options with lenders that offer higher loan amounts, more transparent terms, and soft-credit-check prequalification. Here’s how Check `n Go compares with some alternatives: Check `n Go vs. LendingClub LendingClub offers personal loans up to $40,000, far higher than Check `n Go’s $5,000 cap. It provides fixed APRs, clear rate disclosures, and the ability to prequalify with a soft credit check. This makes it a stronger choice for borrowers who want transparency and flexibility. Check `n Go vs. Upstart Upstart uses alternative data like education and employment history in addition to credit scores, making it more accessible for some borrowers. Loan amounts go up to $50,000, and borrowers can prequalify without a hard inquiry. Compared to Check `n Go, Upstart offers more competitive rates and wider loan amounts, but approval may take longer. Check `n Go vs. Upgrade Upgrade combines personal loans of up to $50,000 with online banking features and a mobile app. Like LendingClub and Upstart, it allows prequalification through a soft credit check. Compared with Check `n Go, Upgrade offers better transparency, larger loans, and additional features like free credit monitoring. Check `n Go vs. Avant Avant targets borrowers with fair to average credit, offering personal loans up to $35,000. Rates can be higher than some competitors, but Avant still provides clearer terms and larger amounts than Check `n Go, along with soft-credit-check prequalification. Check ‘n Go’s other products In addition to installment loans, Check `n Go also offers short-term borrowing options. These include both cash advances and payday loans, which are structured differently but serve a similar purpose: providing quick funds to cover expenses until your next paycheck. Cash advances Cash advances are small, short-term loans meant to bridge a gap between paychecks. They’re typically for lower amounts than installment loans and must be repaid quickly, often on your next payday. While they provide immediate access to cash, the fees can make them an expensive option if repayment isn’t managed carefully. Payday loans Payday loans are another short-term option and a major part of Check `n Go’s business. These loans usually range from a few hundred dollars up to state-specific limits and must be repaid in full—plus fees—within 7 to 40 days. APRs can run extremely high, sometimes approaching 400%, making them a costly form of borrowing. Missing a payment can lead to additional charges and rollovers, quickly increasing the loan’s total cost. The table below shows the availability, maximum amounts, terms, and extension options for Check `n Go’s payday loans by state. Because of their high cost, payday loans are generally best considered only as a last resort. StatePayday loan availabilityMaximum loan amountTermsExtension possible?AlabamaOnline and In stores$50010 – 31 daysYes, onceCaliforniaOnline$25510 – 31 daysYes, after rescission periodFloridaOnline$50010 – 31 daysNo, but a grace period might be availableIndianaOnline20% of gross monthly income or $66014 – 35 daysYesKansasOnline$50014 – 30 daysNoMaineOnline$25010 – 40 daysNoMichiganOnline and In Store$60010 – 31 days (online), 7 – 30 days (in store)Yes, with a feeMissouriOnline and In Store$50014 – 31 daysYes, twice, with fee and loan balance reductionNorth DakotaOnline$5007 – 45 daysNoTexasOnline and in stores$1,50010 – 40 days (online), 5 – 35 days (in store)Yes, subject to qualificationUtahOnline and in store$1,00010 – 40 daysYes, up to 3 times, must pay loan feeWyomingOnline$20010 – 30 daysNo Netspend Prepaid Mastercard® In addition to loans, Check n Go offers the Netspend Prepaid Mastercard®. This reloadable prepaid card can be used for everyday spending, direct deposits, and money management without requiring a traditional bank account. It’s available through Check n Go retail locations and provides an alternative for customers looking for a convenient, card-based option to access funds. Company Product View Rates Installment personal loan View Rates About our contributors Written by Amanda Hankel Amanda Hankel is a managing editor at LendEDU. She has more than seven years of experience covering various finance-related topics and has worked for more than 15 years overall in writing, editing, and publishing.