Frequently Asked Questions

- You should be at least 18 years old.

- You live in a state we service

- You have an active and valid checking account (savings and prepaid accounts are not accepted).

- You have a job or a regular proven source of income.

- You have an email address and a verifiable phone number.

You need a valid checking account that accepts ACH credit and debits. savings and prepaid accounts are not accepted.

Your results should be available within seconds of submitting your application. We may need to contact you to verify your identity, income and banking information before the loan is approved. In the event we are unable to approve your loan, we'll provide you a reason for denial.

Our loan amounts range from $200 to $5,000 depending on your CreditCube status and payment history with us. First time customers are usually eligible for up to a $500 loan. Returning customers may apply for bigger loans with lower rates. Please see our Rates & Terms page for more information.

You can login into your account page by clicking the sign in button at the top of the screen. Once logged in, you can find the status of your application and update your information.

Due to the Military Lending Act, CreditCube is not available to applicants listed as Covered Borrowers in the Military Lending Act database.

CreditCube is a tribal enterprise, wholly owned and operated by the Big Valley Band of Pomo Indians, a federally-recognized American Indian tribe and sovereign government. All communications and/or transactions conducted via creditcube.com will be deemed to have occurred on tribal land. Your Agreement will be governed by and construed in accordance with the laws of the Big Valley Band of Pomo Indians, and to the extent applicable, federal law. The laws of your state of residence or your physical location will not apply to any agreement you enter into with us. Indian tribes are sovereign nations with the right to enact laws related to commercial activity. Generally, state laws are not applicable to Indian tribes or their business operations. Federal laws are sometimes, but not always, applicable.

Approved applications will typically be funded on the following business day, subjected to your bank.

Yes! Paying off your loan early can reduce the overall cost of your loan and advance your CreditCube status.

To pay-off your loan in full or partially, you can log-in to your member's area or contact our customer support team via phone during our working hours or at support@creditcube.com

CreditCube does not have any prepayment penalties. We encourage you to pay back your loan early and save on interest!

To ensure our customers get to have the best borrowing experience possible we encourage you to contact us BEFORE your due date in case you believe you won't be able to make the payment on time.

Our customer support specialists will do all in their power to assist you in the matter.

We encourage you to contact us with any problem and explain your situation. Our team will always prefer reaching solutions together over escalation.

Escalation of the situation may result in:

1. Further interest and fees added to your balance.
2. Your account being moved into our in-house collections department.
3. You will not be able to borrow with us until your debt is settled..
4. Involving 3rd party collections agencies.

Additional steps may be considered as well.

You have 3 days from the date you signed your loan agreement to change your mind. If you decide that the loan isn't right for you, simply download and fill our Notice of Cancellation Form and send it over to our customer support team at support@creditcube.com . You will repay the principal and will not be charged any fees or interest.

Please login into your CreditCube account on the top of the screen where you will find a customized dashboard with your loan information.

No worries! We’ll help you set a new password for your security. Here’s how:

1. Click on the "My Account" button in the upper right corner of our site.
2. Click on the “Forgot password?” link.
3. Enter your email and check it for instructions on how to reset your password.

All of your information is protected on our secure servers, we are using Secured Sockets Layer (SSL) based transaction at a level of 256-bit encryption.