This may delay the funding of your loan by one business day
Policy On Responsible Lending
As a responsible lender, we commit to you that this loan product abides by all applicable laws and that we strive for the utmost level
of transparency and fairness.
Not for all financial needs: This is an installment loan designed to help with your immediate cash needs. It will
not solve your long-term needs and refinancing will result in additional charges. We encourage you to (1) borrow only what you need
and can repay and (2) shop the marketplace until you are convinced that you have found the best possible solution. You may choose
to consult a consumer credit counseling service for other options.
Transparency of costs for your loan: The cost of credit will be clearly disclosed to you in terms of the dollar amount
of interest and the APR according to the principles of federal truth in lending law and regulations. For details on the specific
costs of your loan, please see our
page and your loan agreement. Late fees and non-sufficient funds/returned item fees may apply as described in your loan agreement.
We will never charge you any "hidden fees" that are not fully disclosed in the loan agreement or the
Loan Cost and Terms.
Right of Rescission: If you change your mind about the loan, you may rescind your loan at no charge as long as you
return the loan proceeds within the number of days specified in your loan agreement.
Implications of Late and Non-Payment: If you don't make a payment on time we will attempt to contact you via one or
more authorized methods, including phone calls, e-mails, and text messages to arrange for payment. All of our collections methods
will be in accordance with the principles of the federal Fair Debt Collection Practices Act (FDCPA). In addition, we may
re-present any returned payments to your bank in accordance with applicable law and regulatory requirements. If we are unable
to reach you or we are unable to collect against your debt we may place or sell your debt with third party collection agencies.
However, we only contract with collection agencies that agree to follow the FDCPA. Furthermore, since we may report loan
payments to one or more credit bureaus, late or non-payment of your debt may impact your credit rating. As noted above, late
fees and non-sufficient funds/returned item fees may apply as described in your loan agreement.
Responsible Renewals and Refinancing Options (Sustained Use): This loan is an installment loan which means that you
don't have to pay it off all at once like a payday loan. Instead, you can either pay the loan off according to the terms of the
loan agreement or pay it off early to save finance charges. If you become eligible we will notify you of any new loan options
you may have. We will not change your loan without your express permission pursuant to the terms of your loan agreement. We
strongly encourage principal reduction and early payment to reduce your finance charges.
We will restrict your ability to renew or refinance your loan after you have had an outstanding balance
with us for a period of 18 consecutive months. After you have paid in full the outstanding balance of your loan account, you may
apply for a new loan. Depending on the payment method you choose, it may take 1-3 business days to process the payment that brings
your account balance to $0.
Compliance with Laws: We are 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. As
such, we abide by applicable tribal lending laws and follow the principles of applicable federal lending laws where they don't
conflict with tribal sovereignty. These laws include (but are not limited to):
1. Electronic Fund Transfer Act
2. Equal Credit Opportunity Act
3. Fair Credit Reporting Act
4. Fair Debt Collection Practices Act
5. Gramm-Leach-Bliley Act Privacy Requirements
6. Truth in Lending Act
7. Telemarketing Sales Rule
Compliance with NAFSA Best Practices: We fully comply with the best practices established by the Native American
Financial Services Association (NAFSA).
Financial Education: Financial U is an online resource that helps you learn basic financial concepts and establish
healthy financial goals. This online learning center includes videos, interactive tools and other resources and is free for all
Great Plains customers! To learn more, visit
We Respect Your Privacy: We adhere to all applicable federal privacy laws. Please see
Contacting Us: We always provide a physical address, a toll-free phone number, and an e-mail address so that you can
reach us in the most convenient manner for you. We strive to respond to your mail, calls, and e-mail in as fast a manner as possible
so we can quickly answer any questions and solve any problems you might have. Please see
Contact Us for details.