Loan FAQ

What kind of loans do you offer?

Loan at Last offers term consumer installment loans designed for unexpected expenses. Installment loans require you to make scheduled payments over time that pay down a portion of the principal balance with each payment. If you make all your payments on your due date according to the terms of the loan, the loan will be paid off in full at maturity. Remember, you can always pay the entire loan at any time. Remember, this is an expensive form of borrowing and is not intended to be a long-term financial solution.

Do you follow industry best practices?

Loan at Last is a member of the Online Lenders Alliance (onlinelendersalliance.org) and adheres to its best practices concerning internet lending. We also recommend our customers take advantage of personal financial literacy education through organizations such as the Community Financial Education Foundation (CFEF) through their My Starting Point program or through Clarity Services with their Clarity for Consumers (clarityforconsumers.com) program.

Why should I choose Loan at Last?

Loan at Last’s goal is to provide cash quickly to those who need it while practicing excellence in customer care. Our loans are better than payday loans because you pay down the principal with every payment.

Do I need good credit to get a loan?

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.

Why doesn’t Loan at Last lend in my state?

At this time, we do not lend in all states. However, please check back as we frequently add new states.

How much money can I receive?

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.

What is APR and why is yours high?

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.

As to why our APR is high – APR was designed to allow consumers the ability to evaluate a loan product over the course of a full year or 365 days, but our installment loans are designed to be paid back over a period of five to ten months.

Loan at Last’s APR varies based upon varying factors of each loan. Different factors could include the loan amount and frequency of pay dates. The actual terms, rates, annual percentage rates (APRs), or fees associated with the loan you may receive will be fully disclosed in detail in your proposed loan agreement.

Remember, this is an expensive form of borrowing and is not intended to be a long-term financial solution.

When will the money be in my account?

You will typically receive your cash the next business day if all your information is received and approved by 4:30 pm central time. The exact time for availability of funds is subject to your bank’s processing schedules and policies as well as bank holidays.

What do I need to get a loan?

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.

How does the process work?

After you complete the online loan application, we will notify you via email on whether you have been approved, pending verification. Once verifications have been completed, you are presented with transaction documents and applicable disclosures for your loan. If you agree with everything, then you will be asked to electronically sign the documents. In most cases, your money is deposited as soon as the next business day. If you are interested in expedited funding, please contact our customer care team at (844) 676-8550.

When will my loan be due?

We tailor your payment date in relation to the receipt of your income.

Can I cancel my loan?

Yes, you have the right to cancel your loan by 4pm central time of the next business day after the cash disbursement date. We will set up a draft to your account to reverse the loan proceeds. Simply contact our customer care team toll free at (844) 676-8550.

How do I make payments on my loan?

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

What if I can’t make my loan payment on the due date?

If you know you will not have the funds available for loan payment on your due date, please contact our customer care team toll free at (844) 676-8550. We will work with you on a payment solution.

What if I want to pay off my loan early?

Loan at Last loans can be paid off at any time without penalty. Please contact our customer care team toll free at (844) 676-8550 to process your loan pay off payment.

How do I make a payment before the due date?

Please contact our friendly customer care team toll free at (844) 676-8550 at least 2 business days prior to your due date and they will assist in processing your payment.

What type of bank account can I use?

Loan at Last only accepts traditional valid checking accounts that are registered under your name.  We do not accept prepaid card or savings accounts.

Didn't find the answer you were looking for?

The Loan at Last customer care team is here to help! Whether you are a current or future customer, don’t hesitate to reach out with any questions or concerns you may have.

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