Loan FAQ
(Insert DBA Name) provides consumer Installment Loans. An installment loan is a type of loan where you borrow a set amount of money and repay the loan over a fixed period of time with regularly scheduled payments called installments.
Payments are typically scheduled based on your pay frequency.
The term of the loan may vary but is typically 10-18 months.
You can pay off your loan at any time without penalty. You will only pay the interest accrued on your loan up until your pay off date. To make an early payment, please contact our Customer Care Team at least three business days before your next payment is due/scheduled at (844) 676-8550.
Examples of Installment Loans: Auto Loans, Mortgage Loans, Student Loans.
We want our customers to feel comfortable, which is why we recommend customers use personal financial literacy education with organizations like the Community Financial Education Foundation (CFEF) or Clarity for Consumers. Ask us how to take advantage of these services.
Loan at Last is a trusted lender providing consumer Installment Loans with flexible terms to help with unexpected expenses. We offer rewarding customer benefits! We know when you need money, you need it as soon as possible, which is why we offer FREE same-day funding† for our customers. Plus, if you’ve received a loan from Loan at Last in the past, you may be eligible for better rates and a higher loan amount!
No. Loan at Last lends to people with all types of credit backgrounds. We do verify income, banking history, and your ability to repay the debt.
We issue loans in accordance with the Tribe’s Tribal Consumer Financial Services Regulatory Code and it is licensed under Tribal law. For this reason, Loan at Last is not subject to State law, but rather applicable tribal and federal law, and is not required to be licensed within your State. You may view our Tribal license on our website.
If you have any questions or concerns then we ask that you contact our Customer Care Team at (844) 676-8550. All customers do reserve the right to file a dispute with the Financial Services Licensing & Regulatory Commission.
We do not lend in all states at this time. If your state is not currently available, please check back as we frequently add new states.
At Loan at Last, our loans range from $100 to $3,000. A loan decision is based on the information you provide in your loan application.
There are many factors that go into determining the APR %. This is an expensive form of credit, therefore we encourage customers to pay off their loans as soon as possible. Your loan agreement has specific details regarding payment amounts, payment dates, rates (APR), and specific fee information. Your loan agreement is available to review and download at any time during the life of your loan by logging in to your account at members.loanatlast.com.
For most customers, your funds will be deposited in your bank account as soon as the next business day after your application has been processed and approved. You can request same-day funding if your application is reviewed and approved by 2:00 p.m. CST*. For loans that are processed on weekends or bank holidays, your funds will be available as soon as the next business day (weekends and bank holidays are not considered a business day). To help the funding process go as quickly as possible, keep an eye out for your confirmation emails as they may contain important information about the status of your loan. Check your spam folder if you don’t see these emails in your inbox.
In order to apply, we need your contact, income, and checking account information. You must be at least 18 years old and not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy.
Our loan process is fast and easy. Once you fill out your online loan application, we will send you an email about your application status. Loan application information may be subject to verifications prior to finalizing the loan application process. If the loan application is approved we will send you your Loan Agreement. You are required to review and agree with the Terms and Conditions of the Loan Agreement, prior to electronically signing. Funds from Loan at Last are usually deposited as soon as the next business day after your loan application is approved. Weekends and bank holidays are not considered business days. Some loans may be eligible for free same-day funding if approved Mon-Fri by 2:00pm Central Time*, for expedited funding inquires call our Customer Care Team at (844) 676-8550.
We tailor your payment date in relation to the receipt of your income.
On your loan due date, you have three options to make your payment:
1) We will make an electronic funds transfer debit from the checking account you provided for the payment amount due.
2) You can contact our customer care team at (844) 676-8550 2 business days prior to your payment due date to make your payment with a debit card.
3) You can mail us a money order or a cashier’s check made out to Loan at Last prior to your payment due day. Please mail to:
Niizhwaaswi, LLC dba Loan at Last
PO BOX 1193
Lac Du Flambeau, WI 54538
At Loan at Last, we understand unforeseen circumstances happen. If you cannot make the payment on your payment due date, then contact our Customer Care Team at least three business days before your next payment is due/scheduled at (844) 676-8550, and we will work with you to find a solution.
At Loan at Last, you can pay off your loan at any time without penalty. You will only pay the interest accrued on your loan up until your pay off date. To make an early payment, please contact our Customer Care Team at least three business days before your next payment is due/scheduled at (844) 676-8550.
Please login to your account at https://members.loanatlast.com/and your loan agreement will be there. If you are experiencing problems obtaining this information, please contact our customer care team toll free at (844) 676-8550.
If you would like to make a payment before your due date, please contact our Customer Care Team at (844) 676-8550 at least three business days before your next payment is due/scheduled.
If you have moved or relocated and need to update your address on file, please contact our Customer Care Team at (844) 676-8550.
If you have concerns about past due payments, please contact our in-house finance department at (844) 366-2624 and we will work with you to find a solution.
To update your banking information, contact our Customer Care Team at (844) 676-8550.
We request that banking information changes should be submitted at least three business days before your payment due date for the upcoming payment to be processed to the updated banking information provided.
If the banking information changes were not submitted within at least three business days prior to your payment due date, the upcoming payment may not be processed to the updated banking information, but all future payments will process to the updated banking information provided.
Loan at Last only accepts traditional valid checking accounts that are registered under your name. We do not accept prepaid card accounts.
If you ever have any concerns, we are committed to being your #1 source for a resolution! There is no quicker way to get your concerns addressed than directly through us, your satisfaction is our priority. Contact our Customer Advocacy Team at feedback@loanatlast.com or call at (877) 876-8550.
Your loan documents are accessible at any time by logging in to your account at members.loanatlast.com.
Loan at Last will make an Automatic Withdraw (ACH) from your bank account. This is the quickest and easiest method of making your loan payments. Other payment methods such as debit cards, cashier’s checks, or money orders are also accepted. Your loan agreement includes a detailed payment schedule with amounts and due dates. Loan at Last strongly encourages to pay off your loan early without penalties. You will only pay the interest accrued on your loan up until your pay off date. If you wish to pay off your loan early, please call us at least three business days prior to your next scheduled payment date.
Our customer care team is available at (844) 676-8550 to assist you in paying off your loan or to answer any questions about the terms of your loan and/or payment schedule.
If you need to change the date of your loan payment(s), please contact our Customer Care team at (844) 676-8550 at least three business days before your next payment is due/scheduled.
You may cancel this loan and your payment obligations under the Loan Agreement, without cost or finance charges, no later than 5:00 p.m. Central Time of the second business day immediately following the Disbursement Date (“Cancellation Deadline”). Your Disbursement Date is the date the funds were transferred to your financial institution. This may not be the same date your bank makes those funds available to you, so please call us at (844) 676-8550 as soon as possible if you want to cancel your loan. If you miss the cancelation deadline, you can still pay off your loan early without penalties and pay only the interest you’ve accrued up to your pay-off date.
More information about our cancellation policy can be found in your loan agreement by logging in to members.loanatlast.com.
At Loan at Last, you can pay off your loan at any time without penalty. You will only pay the interest accrued on your loan up until your pay off date. To make an early payment, please contact our Customer Care Team at least three business days before your next payment is due/scheduled at (844) 676-8550.
Funds from Loan at Last are usually deposited as soon as the next business day after your loan application is approved. Weekends and bank holidays are not considered business days. The actual deposit time may depend on the processing schedule and policies of your individual bank. If your funds have not been deposited as soon as the next business day, we recommend checking your loan agreement to verify that your routing number and account numbers are correct. If the banking information on your loan agreement is incorrect, please call our Customer Care Team at (844) 676-8550. To access your loan agreement, please log in to your account at members.loanatlast.com.
If you ever have any concerns, we are committed to being your #1 source for a resolution! There is no quicker way to get your concerns addressed than directly through us, your satisfaction is our priority. Contact our Customer Advocacy Team at feedback@loanatlast.com or call at (877) 876-8550.
We do not run or report credit to any of the 3 major credit bureaus. We do run and report credit to National databases including but not limited to Clarity and Factor Trust.
Loan at Last uses many factors to determine your loan amount eligibility. The loan amounts we have available for qualified borrowers range from $100 to $3,000. Maximum loan amount is $3,000 for first time customers. Not everyone will qualify for the maximum loan amount.
APR (Annual Percentage Rate) is the annual rate charged for borrowing money, expressed as a single percentage number that represents the actual yearly cost of funds over the term of a loan. APR was designed to allow consumers the ability to evaluate a loan product over the course of a full year or 365 days, but we offer small installment loans that are designed to be paid between 10 to 18 months (term of the loan may vary). APR may vary for a number of reasons. Remember, this is an expensive form of borrowing and is not intended to be a long-term financial solution.
To apply for a loan, you need to be at least 18 years old, not currently involved in a bankruptcy proceeding, and be able to provide us with your contact information, income, and an active checking account.
We consider all types of credit backgrounds. You are welcome to apply.
In most cases the installment payment schedule on our loans are generated to match your pay frequency.
Loan at Last uses the latest secure technology to protect your personal information from unauthorized access. You may review our Privacy Policy for more details.
