Who We Are
At LoanAtLast, we are transparent about our loan terms and strive to make the loan process as simple as possible for our customers.
LoanAtLast (Niizhwaaswi, LLC) is a tribal lending entity wholly owned by the Lac Du Flambeau Band of Chippewa Indians, a Federally Chartered Sovereign American Indian tribe. We offer loans to people with bad credit to help in a time of need.
We abide by the principles of the following Federal laws including:
- Truth in Lending Act
- Electronic Funds Transfer Act
- Fair Debt Collection Practices Act
- Fair Credit Reporting Act
- Privacy Provisions of the Gramm-Leach-Bliley Act
- Equal Credit Opportunity Act
How Tribal Loans Work
Tribal loans are a great alternative to payday loans because they are a short term installment loan that allows you to pay a portion due each month instead of all of it on your next payday.
Loan at Last, as a tribal lender, have immunity to state governments’ loan regulations which provides an opportunity for people that may have bad credit or perhaps no collateral to obtain a small loan quickly.
So are they safe? YES! Tribal loans still need to follow federal lending and finance laws.
Tribal lending still has its requirements… You must be 18 years old, a US Citizen and have an open checking account that currently is accepting direct deposit income.
There are some states that are tribal loans are not available at this time. Please check our availability and rates page to find out if you are in a state that we can serve.
When you initially apply for an installment tribal loan from Loan at Last, we offer loan amounts up to $1,000. However, repeat customers may be able to loan out more when needed based on your history with us.
As a member of the Online Lender’s Alliance, LoanAtLast works to ensure all customers are fully informed and fairly treated.