Disclosures

Not for all financial needs:

This loan is designed as a short-term cash-flow solution and is not designed as a solution for longer-term financial needs. It will not solve your long-term needs and refinancing will result in additional charges. We encourage you to borrow only what you need and can repay and shop the marketplace until you are convinced that you have found the best possible solution for your needs. PLEASE CONSULT WITH CREDIT COUNSELING SERVICES IN YOUR AREA IF YOU ARE EXPERIENCING FINANCIAL PROBLEMS. When choosing a Credit Counseling Service, be careful to select a legitimate accredited organization. Certain organizations like the National Foundation for Credit Counseling (https://www.nfcc.org/index.php) can be used as a resource for locating a genuine agency.

Transparency of costs for your loan:

Transparency to consumers is important to us. The cost of credit will be clearly disclosed to you in your loan agreement, including but not limited to the terms of the dollar amount, interest, and the APR according to the principles of federal truth-in-lending law and regulations. Late fees and non-sufficient funds or returned item fees may also apply and will be described in your loan agreement. We will never charge you any “HIDDEN FEES” that are not fully disclosed in the loan agreement or the Rates.

What if I change my mind:

You may cancel your payment obligations under this Agreement, without cost or finance charges, no later than 3:00 PM Pacific Time of the second business day immediately following the Disbursement Date (“Cancellation Deadline”). Your right to cancel your loan only applies if your loan either has not been funded or, if it has, the funds are returned to us as explained below. To cancel your payment obligations on this loan, you must inform us in writing, by or before the Cancellation Deadline, by email to customerservice@usaloansolutions.com, that you want to cancel the future payment obligations on this loan. If we timely receive your written notice of cancellation on or before the Cancellation Deadline but before the loan proceeds have been deposited into your Bank Account, then we will not debit your Bank Account and both your and our obligations under this Agreement will be rescinded. However, if we timely receive your written notice of cancellation on or before the Cancellation Deadline but after the loan proceeds have been deposited into your Bank Account, then you authorize us to effect a debit to your Bank Account or your debit card as you chose in your Payment Choice Authorization for the principal amount of this Agreement. If we receive payment of the principal amount via debit, then both your and our obligations under this Agreement will be rescinded. If we do not receive payment of the principal amount by debit to your Bank Account or your debit card, then this Agreement will remain in full force and effect. 

What happens if I miss a 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, if applicable, to arrange for payment. All of our collections methods will be made 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 can’t reach you or we are unable to collect against your debt we may transfer 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.

Compliance with laws:

USA Loan Solutions is a tribal lending entity wholly owned by the Tribe, a Federally Recognized Sovereign Nation located and operating within the Tribe’s Reservation. We are in full compliance with tribal lending laws and applicable federal lending laws. We are not required to follow State laws and you will be bound by the terms of the agreement with USA Loan Solutions including tribal laws.

Do not lend states:

This service is offered to you via the internet from the reservation of the Guidiville Racheria, a federally recognized Indian tribe, regardless of where you may be situated or access this site, and does not constitute an offer or solicitation for consumer loans in a state. The Tribe does not accept applications for this service from residents of all states, and the service may or may not be available to residents of your particular state. The states from which the Tribe chooses to accept applications may change from time to time without notice. By obtaining services from this site you are submitting to the jurisdiction of the Guidiville Rancheria.