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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 product is a line of credit. Each draw under your line of credit is intended to help with your immediate cash needs. Draws under this line of credit will not solve your long-term needs, and continuing draws will result in additional charges. We encourage you to (1) borrow only what you need and can repay, (2) reborrow on your line only after you have reduced the principal as much as possible, and (3) 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 the cash advance fee and the periodic fixed finance charge.1 For details on the specific costs of your line of credit, please see the Agreement and Terms and Conditions. We will never charge you any “hidden fees” that are not fully disclosed in the Agreement and Terms and Conditions.
Right of Cancellation:
If you change your mind about your line of credit, you may cancel it at any time prior to you making a draw. You also may repay any borrowed amounts at any time without incurring a prepayment penalty.
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, emails, and text messages to arrange for payment. All of our collections methods will be in accordance with the principles of the Federal Debt Collections Protection 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.
Responsible Renewals and Refinancing Options:
Because this is a line of credit, you may not refinance or renew it as you would a traditional payday loan. You can minimize the cash advance fees1 you incur by making fewer draws on your line. When you make a draw on your line, you can eliminate the fixed finance charge1 by paying your outstanding balance in full by the due date or minimize your fixed finance charges1 by paying more than the minimum payment amount. We strongly encourage principal reduction and early payment to reduce your finance charges.1
Compliance with Laws:
We are a tribal lending entity wholly owned by the Tunica-Biloxi Tribe of Louisiana, a federally recognized tribe located within the United States of America and operating within the Tribe’s 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):
Electronic Fund Transfer Act
Equal Credit Opportunity Act
Fair Credit Reporting Act
Fair Debt Collection Practices Act
Gramm-Leach-Bliley Act Privacy Requirements
Truth in Lending Act
Telemarketing Sales Rule
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 Mobiloans customers! To learn more, visit Financial U.
We Respect Your Privacy:
We always provide a physical address, a toll-free phone number, and an email address so that you can reach us in the most convenient manner for you. We strive to respond to your mail, calls, and email 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.
MobiLoans, LLC, a tribal lending entity wholly owned by the Tunica-Biloxi Tribe of Louisiana ("Tribe"), a federally recognized Indian tribe, operates within the Tribe's reservation. Certain limitations apply. See Terms and Conditions for complete details. All trademarks, service marks, and registered marks are the properties of their respective owners. Maximum line amount of initial line is $2,500.00. Refer to the Terms & Conditions for additional details. Applications processed and approved before 4 p.m. CT are typically funded the next business day. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Mobiloans is an expensive form of short term credit and should not be used as a long term solution.
A Cash Advance Fee is charged one time per draw and is calculated as follows:
Cash Advance Fee
Up to $500
$3.00 for each $20 of cash advanced
Over $500 up to $1,000
$2.00 for each $20 of cash advanced
Over $1,000 up to $1,400
$1.60 for each $20 of cash advanced
Over $1,400 up to $2,000
$1.40 for each $20 of cash advanced
$1.00 for each $20 of cash advanced
If the principal balance as of the last date of your prior
Billing Cycle, excluding the amount of new Mobiloans Cash advances made during that
---your Fixed Finance Charge will be:
Additional fees may apply for checks returned due
to insufficient funds.
The Annual Percentage Rate (APR) ranges between 206.79% - 442.31%.
The APR varies based on the amount of the line of credit and the
maximum number of billing cycles available for payment.
For payment examples and APR’s, please see What it Costs.
2In most cases, requests for cash that are received and can be verified prior to 4:00 p.m. Central Time (Monday - Friday) will be funded as soon as the next business banking day (excluding weekends and bank holidays). Requests for cash received after 4:00 p.m. Central Time (Monday - Friday) may require an additional business banking day to fund.
We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.