How Our Loans Work
What do I need to apply for a loan?
You have to be at least 18 years old (19 if residing in AL or NE) and have:
- 1. A job or other proven source of income
- 2. A valid e-mail address
- 3. You have an active and valid checking account
All signed Loan Agreements are subject to verification of prior loan history and application information. Your online application will be either approved or declined based on our evaluation of the information you provide. In some limited cases, we may need to request additional information. For most of our customers, the process is fast and hassle-free.
How much will my loan cost?
How much may I borrow?
If this is your first Great Plains loan, you may qualify for $100 to $1,000*. See Loan Cost & Terms for details.
Who is my lender?
Great Plains Lending, LLC is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a sovereign nation located within the United States of America, and is operating within the boundaries of the Otoe-Missouria Reservation.
How soon will I get my money?
What happens if I don't make a payment on my loan by the due date?
You are responsible for making your loan payments on time by the due date. For your convenience, we provide several ways to pay. You can either schedule an electronic payment from your checking account or provide payment in one of the following forms (debit card, check or money order). Please note that if you make a late payment, skip a payment, or a payment is returned to us, we may charge you additional fees.
If you are unable to make the payment on your due date, please contact Customer Support.
What are my payment options?
As opposed to traditional banks, at Great Plains Lending, we give you the choice to pay off your loan over several installments, or all at one time (without penalties, of course).
Keep in mind that the number of payments on your loan depends on your loan amount and pay schedule. For your convenience, your loan payment dates are linked to your pay dates. For example, a $500 loan with an Annual Percentage Rate (APR) of 328.11% has 16 bi-weekly payments of $74.18.
What is "my payment methods"?
How do I know when my application is approved?
How does Great Plains Lending protect my personal information?
We understand that you may have some reservations about providing us with your personal information while applying for an online loan. Accordingly, we've taken numerous measures to keep our process completely confidential and secure. Please see our Security Policy for more information.