1. What are tribal loans?

2. What are the benefits of tribal loans?

3. What are the requirements to apply for a tribal loan?

4. How do I apply for a tribal loan?

5. How much can I borrow and for how long?

6. What are the interest rates and fees for tribal loans?

7. How do I repay my tribal loan?

8. What happens if I miss a payment or have trouble repaying my loan?

9. How do you protect my privacy and security?

10. How can I contact you?

What are tribal loans?

Tribal loans are short-term installment loans that are offered by tribal lenders, which are entities owned and operated by federally recognized Native American tribes. Tribal lenders operate under the authority of their own tribal laws and regulations, as well as the federal laws applicable to their business. Tribal loans are similar to payday loans or personal loans, but they have some unique features and advantages.

What are the benefits of tribal loans?

Tribal loans have several benefits over other types of loans, such as:

• No credit check. Tribal lenders do not perform a hard credit inquiry that could affect your credit score. They only verify your income and bank account information to determine your eligibility and loan amount.

• No collateral. Tribal lenders do not require any collateral or security to secure your loan. Your loan is based on your ability to repay, not on your assets.

• Flexible terms. Tribal lenders offer loan amounts ranging from $300 to $5,000, and repayment terms from 6 to 24 months. You can choose the loan option that best suits your needs and budget.

• Competitive rates. Tribal lenders offer affordable interest rates and fees that are lower than most payday lenders and other online lenders. They also comply with the tribal laws and regulations, as well as the federal laws applicable to their business.

• Customer service. Tribal lenders have a dedicated team of customer service representatives who are ready to help you with any questions or issues you may have. You can contact them by phone, email, or chat, and they will respond promptly and professionally.

How do I apply for a tribal loan?

Applying for a tribal loan with Us is fast, easy, and convenient. You can apply online from anywhere, anytime, and get approved in minutes. Here are the steps to follow:

• Fill out our simple online application form. You will need to provide some basic personal and financial information, such as your name, address, income, bank account, and tribal affiliation. We use advanced encryption technology to protect your data and privacy.

• Review and sign your loan agreement. Once you submit your application, you will receive an instant decision and, if approved, a loan offer. You can review the loan terms and conditions, such as the loan amount, interest rate, fees, and repayment schedule. If you agree, you can sign the loan agreement electronically and accept the offer.

• Receive your funds. After you sign the loan agreement, we will transfer the funds to your bank account as soon as the next business day. You can use the money for any purpose you need, such as paying bills, covering emergencies, or taking a vacation.

What are the requirements to apply for a tribal loan?

To apply for a tribal loan with Us, you must meet the following requirements:

• You must be at least 18* years old and have:

• A job or proven source of income

• An email address

• An active and valid checking account

• Reside in a state in which our lenders do business

• You must be an enrolled member of a federally recognized tribe. You will need to provide proof of your tribal affiliation, such as a tribal ID card, enrollment letter, or certificate of Indian blood.

• *19 years old required in AL, NE, VA

How much can I borrow and for how long?

The amount and term of your tribal loan depend on your income, credit profile, and other factors. Our network of lenders offers loan amounts ranging from $300 to $5,000, and repayment terms from 6 to 24 months. You can use our loan calculator to estimate your loan amount, term, interest rate, APR, bi-weekly payment, and total loan cost. Simply enter your desired loan amount and click on "Check My Rate". You will see a range of loan options that you may qualify for, based on the information you provided. You can adjust the loan amount and term to see how they affect your loan offer. Checking your rate will not affect your credit score.

What are the interest rates and fees for tribal loans?

The interest rate and the administrative fee for your tribal loan depend on your loan amount, term, and credit profile. The interest rate ranges from 8.99% to 35.99% APR, and the administrative fee ranges from $0 to $500. The APR (Annual Percentage Rate) is the total cost of borrowing expressed as a yearly rate. It includes both the interest rate and the administrative fee.

We do not charge any hidden fees, prepayment penalties, or origination fees. You only pay the interest and the administrative fee according to your loan agreement. You can also make extra payments or pay off your loan early without any penalty.

How do I repay my tribal loan?

You will need to repay your tribal loan according to the schedule and amount specified in your loan agreement. We will automatically deduct the payments from your bank account on the due dates. You can also make extra payments or pay off your loan early without any penalty.

You can access your loan account online at any time to view your balance, payment history, and upcoming payments. You can also contact our customer service team if you need to update your payment information, request a payment extension, or change your payment method.

What happens if I miss a payment or have trouble repaying my loan?

We understand that life can be unpredictable and sometimes you may face financial challenges. That is why we offer flexible repayment options and hardship programs to help you in case of difficulty. We will work with you to find a solution that suits your situation and budget.

If you miss a payment or have trouble repaying your loan, please contact us as soon as possible. We will try to accommodate your request and waive any late fees or penalties. However, if you fail to communicate with us or make arrangements, your loan may go into default and affect your credit score. We may also report your delinquency to the credit bureaus and take legal action to recover the debt.

How do you protect my privacy and security?

We take your privacy and security very seriously. We use advanced encryption technology to protect your personal and financial information. We do not sell, rent, or share your information with third parties without your consent. We only use your information for the purposes of providing you with our services and products, verifying your identity and eligibility, processing your transactions, communicating with you, and improving our website and customer experience.

How can I contact you?

You can contact us by phone, email, or chat. Our customer service team is available Monday to Friday, from 8 a.m. to 5 p.m. (MT). You can also visit our website and fill out our online contact form. We will get back to you as soon as possible.