This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: LoanAtLast loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.
* The typical application and verification process requires a phone call with our customer service team.
** The maximum loan amount is generally $600 for first time customers.
As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.
We do not always lend in every state. Our states of operation change frequently, please check back periodically to see if we are doing business in your state. Currently, among some other states, we do not offer LoanAtLast loans to customers in Arkansas, Connecticut, District of Columbia, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, Vermont, Virginia, West Virginia and Wisconsin.
Niizhwaaswi, LLC dba LoanAtLast is an instrumentality and limited liability company, which abides by the principles of federal consumer finance laws, as incorporated by the Lac Du Flambeau Band of Chippewa Indians Tribe of Wisconsin. Niizhwaaswi, LLC dba LoanAtLast is a Native American owned business operating within the interior boundaries of the Lac Du Flambeau reservation, a sovereign nation located in the United States.
Loan applications fully verified and approved Monday-Thursday by 4:30 pm central time will be funded as soon as the next business day. Loan applications fully verified and approved Friday by 4:30 pm central time will be funded as soon as the following Monday so long as the Monday is not a bank holiday. Note: Some loans may be eligible for expedited or same day funding for a fee of $13 if approved by 3:30 pm central time. However, restrictions for same day funding apply.
Merchant Processing Provided By LDF UK Financial Services Limited 100 New Bridge Street London England EC4V 6JA
In business, amortization refers to spreading payments over multiple periods. The term is used for two separate processes: amortization of loans and amortization of intangible assets.
In lending, amortization is the distribution of payment into multiple cash flow installments, as determined by an amortization schedule. Unlike other repayment...