Check n’ Go Loans

Red Arrow Loans provides fast funding for loans up to $5,000 and terms up to 12 months. They are a legit lender but watch out for fees and marketing from 3rd party companies. 

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Check n’ Go Loans

Check n’ Go Review

What is Check n’ Go?

Check n Go loans is a direct sub prime lender in the US. They have been in business for over 25 years and have issued over 46 million loans and have over 600 stores in the US as well as an online presence.

They’re a reliable loan platform for borrowers looking to get a quick payday loan, cash advance, or installment loan. 

Their online application is fast and is an attractive option if you’re in a financial emergency and need cash fast, but should be used as a last resort.

It’s important that you understand the interest rates and terms before taking out a loan with Check n’ Go.

Table of Contents

    Why trust CreditPug? We are an independent editorial team with a mission to educate Americans on the importance of good personal finance. We are not compensated by the company in this review.

    • Application only takes a few minutes
    • loans up to $5,000 on the next business day
    • Offers installment loans, payday loans, and cash advances
    • High Trustpilot rating
    • In business for 25 years
    • Interest rates can be over 1500%
    • High fees
    • Not available in all states
    • Not all loan info is available on their site


    Check n’ Go Loan features

    Borrowers can check their eligibility for a loan in just a few minutes by completing the short online application. Then, based on their creditworthiness, they will be offered a payday, cash advance, or installment loan.

    Aside from short-term loans, Check n Go also offers a Netspend Prepaid MasterCard, which is a debit card you can use to pay bills and shop.

    They have a large network of physical stores you can visit if you’re located in Alabama, Delaware, Idaho, Michigan, Missouri, New Mexico, Oklahoma, South Carolina, Texas, Utah, and Wisconsin.

    Meanwhile, they also offer online services in California, Florida, Indiana, Kansas, Maine, North Dakota, and Wyoming.

    They are also available in Texas, however Check n Go isn’t a direct lender in the state. Instead, they will connect local residents to third-party online lenders willing to give them a loan.

    What Makes Check n’ Go a Stand-Out?

    • Fast approvals. To know if you’re eligible for any Cash n’ Go service, you’ll only need to fill out a short online application form and submit a few requirements.
    • Get a NetSpend Prepaid Card. You can visit Check n’ Go local retail stores to get a NetSpend Prepaid Card that you can use for shopping and paying bills. 
    • Borrowers with previously filed bankruptcy can still apply. Even with bad credit, Check n’ Go still encourages borrowers to submit an application so they can still do a full review and see what loans they can offer.
    • Convenient repayment process. Repayment is made easier by letting you sign up for AutoPay. You can also pay your loan with a credit or debit card without additional fees with Check n’ Go 360, which is powered by Pocket360.
    • Repayment can be cycled in different frequencies. Loan repayments are typically based on a pay cycle which can be weekly, bi-weekly, monthly, or semi-monthly. This can make repayment a lot easier based on when you get paid.

    Why you’ll want apply look elsewhere:

    • High interest rates and fees. Annualized fees can total up to 1520.83% on an $800 loan. This could trap you in a cycle of debt where you will find it hard to pay off the loan. These loans should be used as a last resort.
    • Not available in all states. They only offer loans in a few states like Alabama, California, Delaware, Florida, and more. In some states where it’s available, there are no Check n Go physical locations you can visit in case you encounter any problems.
    • Looking for a loan bigger than $5,000. Depending on your location, the maximum loan amount that Check n’ Go can approve is $5,000. However, if you’re from Texas, there is a chance that Check n’ Go can match you with an online loan provider willing to offer beyond $5,000.

    Is Check n’ Go Legit?

     Yes, Check n’ Go is a legit company that has been in business for 28 years. They have over 1,000 physical locations in the US and have been lending to Americans since 1994.

    • 4.3 stars on Trustpilot. With over 5,000 reviews, Check n’ Go has a strong rating. Many reviews site speed as a factor in their rating with loans being approved same day.
    • A+ rating on Better Business Bureau. They have 179 total complaints in the last 3 years and their response rate is 100%. This is an indication that that have a large, dedicated customer service team monitoring complaints.

    Loan requirements

    Here are the requirements you’ll need to apply for a loan:

    • Residence: Valid government issued photo ID.
    • Age: You are at least 18 years old.
    • Phone number: Valid phone number.
    • Income: They don’t state a minimum income however, we recommend a minimum monthly income of $1,500 for your best chance of approval.
    • Proof of income: You’re able to provide a recent paystub.
    • Bank account: Provide routing and account numbers for your active checking account.
    • SSN: Official documentation of SSN for the residents of AL, IN, and OK

    Check n Go doesn’t disclose credit requirements and only suggests proceeding with an application whether the borrower is dealing with bad credit or not. 

    Whether your credit score will be impacted by the inquiry is also undisclosed.

    How they compare

    WithU LoansUrban Bad Credit LoansCredit Ninja
    Est. APR
    Est. APR
    Est. Loan Term
    6-12 months
    Est. Loan Term
    18-60 months
    Est. Loan Term
    12-18 months
    Loan amount
    $300 – $2,500
    Loan amount
    Loan amount
    Min. Credit Score
    Min. Credit Score
    Min. Credit Score
    Min. income
    $1,800 per month*
    Min. income
    $1,200 per month*
    Min. income
    $1,800 per month*
    Details marked with an asterisk (*) are creditpug estimates.

    How to apply for a loan with Check n’ Go

    Applying for a loan with Red Arrow Loans is straight forward. There are 4 steps, we’ve broken them down below so you know what to expect:

    1. Visit the Red Arrow Loans site and click Apply Now
    2. Enter your details and click Save and Continue.
    3. Fill out the online form and click Save and Continue.
    4. After saving your loan info, you’ll need to wait for the loading screen to finish to see what type of loans Check n Go can offer. Then, select a loan offer, finalize your application, and wait for their confirmation and ETA on when your cash loan will be credited to your bank account.

    Wrapping up

    Remember that the type of loans this company offers can be expensive, so make sure you understand the terms before finalizing your application.

    Other than that, Check n Go can be a good solution to short-term financial trouble. It only takes a few minutes to get a loan offer, so submit a loan inquiry now.