Online Loans

Quickly apply with the click of a button

Easily accessing personal loans online using a mobile device.
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Smart Choice

Our smart loan options are designed to support you through everyday financial challenges by providing you with access to cash when you need it. Online personal loans are a convenient option because they allow customers to easily complete the CheckSmart application while on the go. Within minutes, you can apply for personal loans online, including a Payday Loan.


For now, online loans are only available in the state of Indiana.

Steps to Accessing a CheckSmart Online Loan

Digital notification of lending decision after completing an online loan application.

Apply Securely Online and Receive a Swift Lending Decision

Our online loan application process is easy to navigate! Please have the following items on hand when completing the application:

An e-signature on CheckSmart online loan documents.

E-Sign Your documents and Choose Your Payout Method

If approved, you will be required to review and sign your loan documents before deciding how you will receive your funds.

Repaying an online loan by the terms set in loan agreement.

Repaying Your Online Loan

Paying off your Online Loan is easy, just sign into your account through our convenient portal! The terms of your repayment will be set in your loan agreement.

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Smart Choice

Is an Online Loan Your SmartMatch?

Depending on your location and situation, an Online Loan from CheckSmart may be the best option for you. Alternatively, you can contact one of our Lending Pros to discuss which available option is a SmartMatch for you. Have a different question? Visit our FAQs page to learn more about our loan process.

VISIT OUR FAQSSMART LOAN CHOICES

Also of Interest

Loans Overview

Need quick cash? CheckSmart offers personal loan options with competitive rates and fast, friendly service.

Payday Loans

CheckSmart offers Payday Loans to see you through until payday. Learn about our application process, ways to access your cash, and repayment!

Installment Loans

Get the financial help you need with an Installment Loan from CheckSmart. Visit a CheckSmart location today to apply or learn more about this loan option.

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Customer Notice: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive. 

Noticia al Consumidor: Existe una amplia variedad de productos financieros disponibles en el mercado, por lo que su elección debe coincidir con sus necesidades financieras. Los préstamos de poco dinero utilizados durante un largo período de tiempo pueden ser costosos. 

Green Dot: must be 18 or older to open an account. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account.  Mobile number verification, email address verification and mobile app are required to access all features.

1. Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

2. Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee.

3. See app for free ATM locations. 1 free in-network withdrawal per calendar month. $3.00 per withdrawal thereafter. $3.00 for out-of-network withdrawals and $1.00 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Green Dot® cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.  Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.  ©2023 Green Dot Bank. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739

The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Approval is contingent upon successfully passing this mandatory identification confirmation.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. 

Non-Loan Store Services: Rules, restrictions, and fees apply. See store for details. 

Ohio Residents: Check Cashing provided by Buckeye Check Cashing, Inc., CC700000, Main Office 5165 Emerald Parkway, Suite 100, Dublin OH 43017. 

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