Plenty of folks look up “check n go online” because they want to skip the drive to a store and handle everything from their couch, especially late at night or when life’s too busy. Check ‘n Go lets you do just that in a bunch of states: apply anytime, upload docs, and get funds without leaving home.
A cousin of mine tried it last summer when his fridge died and said the whole thing took under an hour online, and money showed up the next day.
Which States Let You Apply Fully Online?
Right now in 2025, online loans work in these 14 states:
- Alabama
- California
- Delaware
- Florida
- Idaho
- Indiana
- Kansas
- Michigan
- Missouri
- Oklahoma
- South Carolina
- Texas (they partner with other lenders here)
- Utah
- Wisconsin
If you’re elsewhere, no online option might need a store or another lender.
Texas runs differently: Check ‘n Go connects you with third-party lenders as a Credit Services Organization.
How the Online Application Actually Goes
It’s straightforward, no fancy tricks.
Head to checkngo.com and hit “Apply Now.”
Pick your state first and tailor what shows.
Fill in basics: personal info, income details, bank account/routing numbers.
Upload stuff like:
- Government ID (driver’s license scan or photo)
- Proof of income (pay stubs, bank statements, benefit letters)
- Sometimes SSN proof
They run a credit check (hard pull, might ding score a bit) and verify everything.
Decisions come quick often minutes if simple.
Approve? Sign digitally, funds hit your account next business day usually (sooner if early submission or debit card option).
One person online said they applied in the evening, money morning no calls needed.
Loans You Can Get Online
Mainly two types:
- Installment loans: Bigger (up to $5,000 in spots), paid monthly over time handles car fixes or medical.
- Payday/cash advances: Smaller, due next paycheck quick gaps.
Amounts and terms depend on state, income, credit.
Bad credit? Often ok income and bank history weigh heavy.
Managing Your Loan Online
Once in, use Pocket360 (pocket360.com login):
- Check balance
- Make payments
- Update bank info
- See if refinance available
- View history
Available 24/7 handy for odd hours.
What Customers Think About the Online Side
Experiences vary.
Lots say easy and fast: “Applied at night, funded morning no hassle.” Trustpilot full of quick approval stories, clear site.
Others gripe: Site glitches saving info, or long verification waits. Some hate high fees (triple digits APR common).
Positive outweighs lately people like no store trip, direct deposit speed.
One review stuck: Borrower said Pocket360 made payments painless, avoiding late fees.
Tricks for Smooth Online Apply
From what works for others:
- Apply weekday morning faster processing.
- Have docs photos ready on the phone.
- Use strong internet uploads otherwise.
- Double-check numbers typos delay.
- Read state rates first (link on site).
- Start small if unsure of an easier payback.
My friend learned the hard way: Maxed loan, payments stung months.
If Online Doesn’t Fit
No access in your state? Find a store via locator.
Or alternatives like Upgrade, Avant for bigger/lower rates.
Questions People Ask Most Online
Can I apply 24/7? Yes, the site is always up.
Funds same day online? Rare next business day standard.
Bad credit blocks me? No guarantee, but many approve.
Is Texas different? Yes, partner lenders.
Login issues? Call 888-372-9329.
Refinance online? Often through Pocket360.
Change bank info? Yes, in account portal.
Wrapping My Thoughts
Going “check n go online” makes total sense no lines, apply pajamas if you want. Covers good chunk states, quick decisions, next-day money most times.
Convenient big time, especially no stores near. Just those fees are real short-term only, or the cycle hurts. Seen it happen. Better options sometimes, but pinch? Works.