What is a short-term loan?

A short-term loan is a quick and convenient solution to access funds before your next paycheck. With an easy online application process and fast approval, it provides a streamlined way to get the cash you need. However, please keep in mind that installment loans are not intended as a long-term fix for financial difficulties. They are best used for immediate or urgent financial needs.

How much can I borrow?

Typically, first time customers can borrow up to $1,000, depending on various factors, such as your financial situation and ability to repay. Returning customers may qualify for up to $2,500.

What do I need to qualify for a short-term loan?

To be eligible to apply, you must be a legal resident of the United States, be at least age 18 with a steady bank account and income. Please note that military personnel and dependants of military personnel are not eligible.

How do I receive approval?

Approval is granted after completing a simple two-step process. First, submit your application online. Once your application is approved, a representative will contact you to complete the verification process. Applications are typically reviewed within minutes, and you will know if you’re approved and the loan amount you qualify for after completing verification. In some cases, additional verification steps may be required before funding your account.

How is the money delivered to me?

Funds will be deposited directly into your bank account via one of the following methods:

- Real-Time ACH: Available all day - 365 days per year - but some banks may not participate.
- Same-Day ACH: Accessible for most banks if verification is completed by 2:00 PM EST M-F. (excluding holidays)
- Next Business Day: If verifications are completed by 4:00 PM EST M-F (or if your bank does not participate in Real-Time or Same-Day ACH), funds will be available the next business day. If after 4:00 PM EST M-F or during weekends, funds may not be available until the 2nd business day.

Please note that Real-Time and Same-Day funding are offered as a courtesy and are not guaranteed to be available at all times.

When is the payment due on the loan?

Please check your loan agreement for specific rates and terms, as the options may vary. Payments are generally scheduled on your pay dates unless they fall on a weekend or holiday—in such cases, the due date will be adjusted to the nearest business day, as detailed in your loan agreement. On a payment due date, you can:

1. Pay off the loan in full (principal plus the finance fee).
2. Extend the loan by paying the minimum amount due, which moves the remaining principal to the next pay date with an additional finance charge applied.
3. Extend the loan by paying the minimum amount due plus an extra payment toward the principal, reducing the number of future payments.

Please note that payments can be scheduled in advance. To reduce the overall cost of your loan, we highly recommend either paying off the loan in full or making larger payments to lower the principal balance.

What is the finance charge on the loan?

For general information on rates and fees, please refer to our Rates page. Be sure to carefully review your loan agreement for specific rates and fees applicable to your loan.

What does it mean to do business with a Native American-owned company?

We operate under tribal law, which governs our lending practices. This provides customers with access to cash that might not otherwise be available while supporting essential employment opportunities for members of our tribe.

Are there any states where you do not lend?

We currently do not accept applications from residents of AL, AR, DC, IL, MA, MD, MN, NY, PA, SD, VA, or WV