This “prescreened” offer of credit is based on information indicating that you meet certain criteria. You may not receive a loan if, after you respond to this offer, we determine that you no longer meet the eligibility requirements used to select you for this offer or if, after you respond to this offer, we determine that you do not meet our lending criteria established prior to this offer for the purpose of determining whether to extend credit pursuant to this offer. In addition, to accept this offer, you must be 18 years of age or older. This offer may be accepted only by the person identified in this offer and may not be transferred to any other party.

Niizhwaaswi, LLC dba Loan At Last is a commercial enterprise and instrumentality of the Lac du Flambeau Band of Lake Superior Chippewa Indians, a federally recognized sovereign Indian nation (the “Tribe”) and operates within the interior boundaries of the Lac du Flambeau Reservation at P.O. Box 1193, Lac du Flambeau, WI 54538. Niizhwaaswi, LLC dba Loan At Last is chartered under and operates pursuant to Tribal Law.

Any instance of late or non-payment may be subject to an additional late fee of $20 per missed payment, NSF fees of $30 per missed payment as well as applicable collection activities.

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1 First time Loan at Last customers typically qualify for an installment loan of up to $1,000 with an APR of 690%. The Annual Percentage Rate (APR) for an example loan of $600 is 690% with 20 bi-weekly payments of $95.35. Returning Customers typically qualify for a Standard Installment loan of $700 or a Premium Installment Loan of $1,500. Returning Customer Rate (APR) for Standard Installment example of $500 is 500% with 20 bi-weekly payments of $61.06. Returning Customer Rate (APR) for a Premium Installment Loan example of $1500 is 350% with 36 bi-weekly payments of $205.00. This example also assumes that all payments are made on time and in accordance with the loan agreement. Annual percentage rates (APRs) may vary based on loan term. Completing an application in no way guarantees approval.

Visit our website, Loanatlast.com for frequently asked questions. Complete disclosures of APR, fees and payment terms are provided within the Loan Agreement.

2 Typically, for loans that are approved by 2 p.m. Central Time (Monday–Friday, excluding bank holidays), loan proceeds may be funded the same day. Deposit times may vary depending on your financial institution. Same-day funding is not available in all states. Loan at Last is not responsible for any additional charges applied by your financial institution. Loans that are approved and accepted after 2 p.m. Central Time (Monday–Friday, excluding bank holidays) and before 6:00 p.m. Central Time (Monday– Friday, excluding bank holidays) may be funded the following business day. Note that errors in your application, particularly with bank routing and account numbers, will impact our ability to fund and may cause delays. In some cases, a customer service representative may contact you to verify your information before we can finalize and approve your loan.

3 This is an expensive form of borrowing. Loan at Last loans are designed to assist you in meeting your emergency borrowing needs and are not intended to be a long-term financial solution. Before borrowing, please consider whether you will be able to repay the amount you borrow. Loan at Last encourages quick repayment so you can save on finance fees. You will only pay the interest accrued until your payment date.