What is an Installment Loan?

An installment loan is a short-term financing option designed to provide fast access to funds prior to your next paycheck. It features a straightforward online application process and quick approval. While it offers immediate financial support, installment loans are intended for temporary or urgent needs—not long-term financial needs.

How Do I Qualify?

To be eligible for an installment loan, applicants must meet the following requirements:

• Be a legal resident and U.S. citizen
• Be at least 18 years of age
• Have a steady source of income
• Own a checking account in their name, open for at least 90 days
• Not be active-duty military personnel or dependents
• Not reside in IL, AL, AR, DC, MA, MD, MN, NY, PA, SD, VA, or WV

What If I Have Bad Credit?

We welcome applicants across all credit levels. Approval is based on banking and employment history—not traditional credit scores.

When Will I Know If I’m Approved?

You’ll typically receive a decision immediately after your application is processed.

How Much Can I Borrow?

• First-time customers may qualify for up to $1,000 • Returning customers may qualify for up to $2,500, based on prior repayment history

How Are Payments Made?

Refer to your Loan Agreement for full details. In general:

• If funds are sent via ACH, payments will be debited from the same account • Mailed payments must be received by the scheduled due date

Late fees may apply for payments not received on time.

When Are Payments Due?

• Payment dates are based on your pay schedule
• If a due date falls on a weekend or holiday, it is moved to the next business day
• You may pay in full (principal + finance fee)
or
• Extend the loan (pay minimum due, move principal forward with new finance fee)
or
• Reduce future payments (pay minimum due + extra principal)

Pre-scheduling and making larger payments can reduce overall loan costs.

What If I Can’t Make a Payment?

If you miss a payment but have a strong repayment history, the late fee may be waived once as a courtesy. Contact customer service at least 3 days prior to your due date to explore your options.

Can I Cancel My Loan?

Yes. You may cancel your loan until 5:00 PM Eastern Time on the next business day following disbursement. Contact customer service to begin the cancellation process.

How Can I Lower the Cost of My Loan?

Paying off your loan early saves money on interest. The faster you repay, the less you’ll spend overall.

What Does It Mean to Borrow from a Tribal-Owned Lender?

Our loans are governed by tribal law and issued by a sovereign Tribal entity. This enables access to financial products that may not be available elsewhere, while supporting economic growth and employment within the Tribe. Agreements are subject to both tribal and federal law.

Are You in Compliance with Applicable Laws?

Yes. All lending practices comply with relevant Federal and Tribal laws governing consumer credit and short-term financing.