Availability & Rates
Interest Rate on Loans
Interest rate is the percentage of the principal of a loan a lender charges a borrower to make the loan. Finance charges are a broader measure of the cost of borrowing that include both interest and any applicable fees. Annual percentage rate, or APR, expresses the finance charges on a loan as a yearly rate. Finance charges are based on a consumer’s creditworthiness. A consumer’s creditworthiness is determined by several factors, including credit and payment history, income, employment, existing debt, and types of debt. The APR for your loan will be determined by the amount you choose to borrow and the length of time you choose to keep your loan outstanding. You can reduce the total cost of your loan by paying off your loan prior to your last due date on your payment schedule or by making additional payments on or between your payment due dates.
The copy of your loan details, finance charges and APR will be fully disclosed to you in your loan agreement upon approval of your loan. Contact us today to see if you qualify for one of our loans. We can assist you and present a range of loan options for which you may qualify.*
Our Company adheres to all federal laws and regulations that apply to short term and online personal lending industry. Our company does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of an applicant’s income derives from any public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Please note: This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short term financial needs and are not intended to be a long term financial solution.
*All loans are subject to credit approval.
Late Fee: If you make a payment more than 5 days late, you will be charged $20.00 and you may continue to accrue additional interest charges.
NSF Fee: If payments are returned for some reason, you will be assessed a $30.00 NSF fee.
Prepayment: If you pay off your loan early, you will not have to pay a penalty. Niizhwaaswi, LLC d/b/a Loan at Last encourages repayment as quickly as possible to avoid finance fees.
For more details about this service and other terms of your loan, please refer to our Terms and Conditions.
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. Loan at Last loans are currently available to residents of all states except Arkansas, Connecticut, District of Columbia, Illinois, New Mexico, New York, Pennsylvania, Vermont, Virginia, West Virginia and Wisconsin.
If you have any questions about Loan at Last please contact us or check out our FAQ for further information. Our hours of operation are Monday through Friday 7AM to 7PM and Saturday 8AM to 4:30PM central time. However, you can always email us at firstname.lastname@example.org.