Installment Loan Amount
First time customers can apply for any amount between $200 and $500.
Returning customers get access to more credit up to $5000 for our VIP customers.
Cost of your Installment loan
The total payments due and APR will be disclosed in your loan agreement. The payment schedule on your loan agreement will include the number of payments, payment amounts and payment dates for the duration of the loan. For details on the specific fees of your loan, please refer to your loan agreement. Late fees and non-sufficient funds / returned item fees may apply as described in your loan agreement. Examples of the total payments charged of your loan are provided in the table below.
To minimize the cost of your loan, we strongly recommend that you pay your loan in full or make additional payments as soon as you can. There are no penalties for early payoff.
Payment Schedules
Your full payment schedule will be included in your loan agreement. You can also choose to repay your loan via debit card, cashier’s check, ACH or money order. If you choose to make payments directly, they must be mailed to our office and received by the payment due date. You can reduce the total cost of your loan by paying off your loan prior to your last due date on your payment schedule or by making additional payments on or between your payment due dates. You control how soon you wish to pay off your loan. There will be no prepayment penalties.
Below are two $300.00 loan sample payment schedules listed for a new customer and a returning customer at the VIP level. Returning customers will receive a reduced APR between to 259.94%-779.97% which is based on credit history with CreditCube, payment history with CreditCube, the customer’s Loyalty Program status and other credit criteria.
Remember: that the sooner you pay back the loan, the less the total loan cost will be.
Installment Loan Schedule (New Customer)
| ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. | FINANCE CHARGE The dollar amount the credit will cost you. | Amount Financed The amount of credit provided to you on your behalf. | Total of Payments The amount you will have paid after you have made all payments as scheduled. |
|---|---|---|---|
| 779.97% | $1,161.97 | $300.00 | $1,461.97 |
| Payment # | Due Date | Payment Due |
|---|---|---|
| 1 | 1/3/2023 | $91.37 |
| 2 | 1/17/2023 | $91.37 |
| 3 | 1/31/2023 | $91.37 |
| 4 | 2/14/2023 | $91.37 |
| 5 | 2/28/2023 | $91.37 |
| 6 | 3/14/2023 | $91.37 |
| 7 | 3/28/2023 | $91.37 |
| 8 | 4/11/2023 | $91.37 |
| 9 | 4/25/2023 | $91.37 |
| 10 | 5/9/2023 | $91.37 |
| 11 | 5/23/2023 | $91.37 |
| 12 | 6/6/2023 | $91.37 |
| 13 | 6/20/2023 | $91.37 |
| 14 | 7/4/2023 | $91.37 |
| 15 | 7/18/2023 | $91.37 |
| 16 | 8/1/2023 | $91.37 |
Installment Loan Schedule (V.I.P level)
| ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. | FINANCE CHARGE The dollar amount the credit will cost you. | Amount Financed The amount of credit provided to you on your behalf. | Total of Payments The amount you will have paid after you have made all payments as scheduled. |
|---|---|---|---|
| 259.94% | $313.52 | $300.00 | $613.52 |
| Payment # | Due Date | Payment Due |
|---|---|---|
| 1 | 1/15/2023 | $38.34 |
| 2 | 1/29/2023 | $38.34 |
| 3 | 2/12/2023 | $38.34 |
| 4 | 2/26/2023 | $38.34 |
| 5 | 3/11/2023 | $38.34 |
| 6 | 3/25/2023 | $38.34 |
| 7 | 4/8/2023 | $38.34 |
| 8 | 4/22/2023 | $38.34 |
| 9 | 5/6/2023 | $38.34 |
| 10 | 5/20/2023 | $38.34 |
| 11 | 6/3/2023 | $38.34 |
| 12 | 6/17/2023 | $38.34 |
| 13 | 7/1/2023 | $38.34 |
| 14 | 7/15/2023 | $38.34 |
| 15 | 7/29/2023 | $38.34 |
| 16 | 8/12/2023 | $38.34 |
Funding Timeframes
Loan Applications processed and approved before Monday-Friday are typically funded on the following business day. Example: If your loan is processed and approved on Friday before, the loan will typically be funded on the following Monday. Deposit times may vary depending on your bank.
Late / NSF Fees
In case a payment will not be processed successfully or not received by the due date, your account will be subjected to NSF or Late fees. To avoid that, please contact us before your due date and let us know in advance.
Our customer support specialists will do their best to assist you and avoid fees.
Contact us at:
Phone: 1-888-885-5646
Email: support@creditcube.com
Lender License and Ordinance
Attached is a copy of our Lender License and Tribal Consumer Financial Services Regulatory Ordinance
Have questions?
Please call us by phone:
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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. Any Agreement entered into as a result of this Application shall be governed by applicable Tribal and federal law. Each aspect of communication and transaction with/on this site will be deemed to have occurred in CreditCube’s Big Valley Band of Pomo Indian Reservation offices, regardless of the location where you are accessing or viewing this site.
⚠ Please note: This is an expensive form of borrowing. CreditCube loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution! Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses.
* Loan approvals are subject to underwriting. Approval may take longer if additional verification documents are requested. Not all loan requests are approved. CreditCube reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a Loan. We verify applicant information through national databases including, but not limited to, Clarity Services, Inc., a credit reporting agency, and we may pull your credit in order to determine your eligibility and ability to repay.
** Maximum loan amount is $500 for first-time customers. For returning CreditCube customers, rates may go down over time based on your CreditCube Loyalty Program status and your payment history with us. Please see our Loyalty Program page for more information.
*** Loan Applications processed and approved before 3pm EST Monday-Friday are typically funded on the next business day. Example: If your loan is processed and approved on Friday before 3pm EST, the loan will typically be funded on the following Monday. Deposit times may vary depending on your bank. Business Day means Monday through Friday excluding all federal banking holidays.
CreditCube does not lend to residents of Pennsylvania, Connecticut, Minnesota, New York, Vermont, Virginia, West Virginia, Illinois and Georgia. Availability of installment loans in your state is subject to change at any time with or without notice at the sole discretion of CreditCube.