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<span>5.99% - 35.99%</span>
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<p style="font-size:9px; margin-bottom: 30px;">By submitting this form, I have read, understand, and agree to the terms of <a href="https://www.vivapaydayloans.com/privacy-policy" class="black" target="_blank">the Privacy Policy</a> and the
<a href="https://www.vivapaydayloans.com/terms" class="black" target="_blank">Terms & Conditions</a>.</p>
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<button type="submit" name="submit" class="home-apply-button" id="home-apply-button" style="margin-top: -6px; font-size:23px;">Request Funds <img src="https://www.creditclock.net/wp-content/themes/vivatheme/img/largebutton-arrow.png"></button>
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Login Find Password Go Back Forgotten your password? × * Borrow $200 - $5,000 Today* * REQUEST FUNDS * * * Borrow $200 - $5,000 Today* * Home * How It Works * FAQs * Apply Borrow $100 - $5,000 Over 3 - 24 Months Today How much cash? $100 $200 $300 $400 $500 $1000 $2000 $3000 $4000 $5000 Other amount $600 $700 $800 $900 $1100 $1200 $1300 $1400 $1500 $1600 $1700 $1800 $1900 $2500 $3000 $3500 $4000 $4500 $5000 How long for? 3 Months No upfront fees or costs Borrowing: $300 APR: 5.99% - 35.99% In your account by: 09:14am By submitting this form, I have read, understand, and agree to the terms of the Privacy Policy and the Terms & Conditions. Request Funds All FICO Scores Welcome Last Updated: October 24, 2022 TRIBAL LOANS ONLINE – GUARANTEED TRIBAL LOANS Tribal loans have fast become the chosen alternative to payday loans and for good reason! Let’s face it, tough times can strike at the most inconvenient times. You have bills to pay, a lifestyle to keep up, and suddenly, bam! You’re in a bad financial spot because an emergency struck or an unexpected expense found its way into your life. This overview takes a look at what tribal loans are, how they work, the types of tribal loans you can apply for, features, examples, advantages, and disadvantages, and of course, the criteria and how to go about applying for one! WHAT ARE TRIBAL LOANS & HOW DO THEY WORK? In short, tribal loans online are extended by lending companies that Indian tribes or Native Americans own. In most instances, same day tribal loans are available within the tribe’s designated reservation. For people who need cash in a hurry for an emergency or unexpected expense, tribal payday loans are often the go-to because they’re considered easier to get approval for than traditional bank loans. It’s important to understand how tribal loans online work before you sign up for one. Tribal lenders will often accept online applications for small-dollar loans. In some instances, these loans can be quite controversial because some of the tribal lenders in operation have claimed sovereign immunity from state and federal lending laws. The final ruling in federal courts across jurisdictions has been mixed on this topic over the years. Before applying for a tribal loan, be sure to check with your state for guidance. Interest rates on tribal loans direct lender guaranteed approval are typically far higher than that of regular payday loans, and of course, they are never guaranteed. In fact, the interest can be as high as 400% to 800%, depending on the lender. Loan sizes can range from $500 to $2,500, with a standard 6 to 24 months to pay. A great alternative to traditional tribal loans is a payday loan or same day loan from Credit Clock, where interest rates range from 5.99% to 35.99%, and loan amounts range from $100 to $5000 with 2 to 24 months to pay. TYPES OF TRIBAL LOANS ONLINE When scouting the internet for easy tribal loans for bad credit, you will come across several types of tribal payday loans to choose from. Some of these include: GUARANTEED TRIBAL LOANS You might wonder how tribes can offer guaranteed tribal loans, which is tricky to answer. Of course, no loans are guaranteed. The lender always has the right to turn down a loan application. That said, when using an online loan-finder service such as CreditClock.net, you are guaranteed to find out whether you qualify for a loan or not within minutes. Once you’ve been matched with a lender, you will need to provide your supporting documentation as proof of your information before the loan can be approved. While loan approvals might not be guaranteed, what is guaranteed is access to lenders and brokers offering loans of $100 to $5000 on the Credit Clock website. TRIBAL LOANS DIRECT LENDER GUARANTEED APPROVAL Much the same, when applying for tribal loans direct lender guaranteed approval, you always stand some chance of the loan being rejected. It’s more realistic to use a loan-finder such as Credit Clock, where you will be put in touch with direct lenders and guaranteed feedback on your loan approval or rejection within a few minutes. In the case of Credit Clock, you can simply input your details (which takes just a few moments) and then expect an outcome in as little as just two minutes. While tribal loans direct lender guaranteed approval isn’t 100% guaranteed, using a loan-finder service does increase your chances of approval. This is because you apply just once for a loan and the automated system matches you with lenders most likely to service your loan request. This exposes you to lenders you might not have even contacted if you chose to contact each tribal loans provider individually. TRIBAL INSTALLMENT LOANS DIRECT LENDERS NO CREDIT CHECK When applying for same day tribal loans, in most cases, you will be in touch with the direct lender (this is the tribe or Native American owner). In states where tribes have claimed sovereign immunity from state and federal lending laws, no credit check may be involved when applying for tribal loans. However, in most states, it is a state law for lenders to carry out a credit check on borrowers even though credit scores are not the only deciding factor when approving or denying a loan. Tribal loans, therefore, come with increased risk to the lender, and thus a hefty interest rate is charged. Keep in mind that there is no guarantee that no credit will be carried out. Most legal lenders in the US carry out credit checks. A great alternative to tribal installment loans direct lenders no credit check with high interest attached is to apply for a same day loan through a loan-finder service such as Credit Clock. While Credit Clock won’t carry out a credit check on you, the lenders involved might. But they also consider additional criteria, such as your current financial situation, the affordability of the monthly installments, and a list of your current expenses. If you earn at least $1000 per month, can demonstrate affordability, and are a legal resident or citizen of the US, you’re eligible to apply for a loan of between $100 and $5000 with Credit Clock. These loans come with up to 6 months to pay. TRIBAL PAYDAY LOANS When you’re struggling to make ends meet, a little financial aid can go a long way. Sometimes borrowers don’t need thousands of dollars that need to be repaid over many months. Instead, they simply need a few hundred dollars to get them from one paycheck to the next. Tribal payday loans have been a popular go-to for people who need small amounts of cash in a hurry. You will find that these are typically small-dollar loans that need to be paid off fairly quickly. The downside to tribal payday loans is that they usually come with very high interest attached – as much as 400% to 800%. If you want a great tribal payday loans alternative that pays out a small-dollar loan that can be paid back quickly with minimal interest attached, payday loans via the CreditClock.net portal are recommended. Payday loans typically work on a simple loan model. The borrower requests a small, easy-to-repay loan amount which the lender provides. Because the loan period is typically short (up to 6 months), interest on payday loans can be high. With tribal payday loans, it can be extremely high, but when applying for payday loans with Credit Clock, the interest typically ranges from 5.99% to 35.99%. One of the biggest perks of payday loans is that lenders understand the nature of needing cash in a hurry. These loans are typically paid out on the same day, making it convenient when you need to get the car repaired, buy the family groceries, or cover an emergency expense that suddenly crops up. TRIBAL LOANS FOR BAD CREDIT Having bad credit can be nerve-wracking, to say the least. Every time you want to open a store account, apply for credit, or even apply for tribal loans online, fear is struck into your heart and mind because you worry your credit score will be used against you. And it’s true, most banks and lenders deny loans based on credit score, but it doesn’t mean that every bad credit borrower can never get financial aid. When you have a less than perfect credit score, you may find yourself tempted to find easy tribal loans for bad credit. And the good news is that you can find all kinds of loans via the Credit Clock website. Tribal payday loans for bad credit borrowers are available, but keep in mind that you must still meet the eligibility criteria and be able to afford the loan. Lenders will take into consideration your current financial situation, your salary, and of course, your monthly expenses when considering your loan application. Tribal loans for bad credit may seem easier to apply for, but always check the offered interest rate and ensure that you can afford the monthly installments. As a bad credit borrower, the last thing you want is to end up with a debt cycle you just can’t get out of. It’s an excellent idea to sit down with your budget to determine what you can realistically afford each month before you make your loan application. On the Credit Clock website, you can select the loan amount you want and then use the slider to select a repayment schedule. This will give an estimation of the monthly installment to be expected, which can help you with planning/budgeting. SAME DAY TRIBAL LOANS Nothing is worse than having an urgent bill to pay and simply having no access to funds. You can apply for a credit card increase, ask family and friends and even appeal to your boss to make you a loan, but sometimes these efforts fail or are completely unattractive to you – or simply not a viable option. When this happens, applying for same day loans is the answer for many people because they’re quick and easy to apply for, lenders make almost instant decisions, and the payouts are pretty quick too. This is why same day tribal loans are an attractive option for those who are in a financial pickle. If you need cash immediately and don’t have time to wait around, you may want to benefit from the various perks that come with same day tribal loans. These are considered “instant” loans, although the lender aims to pay out the cash within 24 hours. It’s much the same with same-day loans through Credit Clock. Here you can search for a loan product that suits your needs and can expect the cash to be paid out on the very same day. While it cannot be guaranteed, many of the lenders on the CreditClock.net panel actually pay out loans within 60 minutes of the loan being approved. By going this route, you can expect to loan between $100 and $5000 and get up to 24 months to pay. TRIBAL LOANS DIRECT LENDER GUARANTEED APPROVAL NO TELETRACK Some tribal loans are rumored to be tribal loans direct lender guaranteed approval no Teletrack, which is vastly attractive to bad credit borrowers. Teletrack is a consumer reporting agency. The agency collects data and provides consumer reports to third parties. This serves as a credit risk assessment, and many lenders make use of Teletrack to determine if a borrower is eligible for a loan. While some tribal loans may offer the perceived convenience of “no credit check,” it is important to know that it is a requirement for lenders to carry out checks with the relevant credit bureaus. Also, a no credit check* loan would mean significant risk to the lender, and that ultimately translates to outrageous interest rates, which can go as high as 800% on tribal loans online. To keep your interest and loan installments low, take the time to find loans online via the Credit Clock website. Credit Clock doesn’t carry out credit checks on borrowers, but the lenders offering the loans may do so. One of the biggest perks here is that lenders charge between 5.99% and 35.99% (which is considerably lower than some tribal loans online providers) and while the lenders involved may do a credit check, it is not the sole deciding factor on whether or not to grant you a loan. Better yet, you will be in direct contact with lenders or brokers, and you are guaranteed to get approval or rejection feedback within a matter of minutes, so there’s no excruciating waiting around. If you decide that the loan offered to you is something of interest and you wish to go ahead, you simply need to finalize the details with the lender or broker offering the deal. This is where the proverbial magic happens – you set the loan in place, and soon the cash will be in your account. *Disclaimer: Whilst Credit Clock doesn’t check your credit, your credit may be checked by 1 or more of our lending partners and their third party credit bureaus upon submission of your request or at a later date. Further information can be found in our terms and conditions. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. FEATURES OF SAME DAY TRIBAL LOANS What makes same day loans so popular is that they follow a particular model and make borrowing convenient for the financially distressed. When looking for same day tribal loans through the Credit Clock website, you can expect for the payday lenders available to share several features. Some of these features include the following: INTEREST RATES RANGING FROM 5.99% TO 35.99% While tribal loans generally come with sky-high interest rates, when you shop Credit Clock’s alternative same day loan options, you can enjoy more reasonable interest rates between 5.99% to 35.99%. While interest rates may seem like an afterthought when you’re desperate for cash in a hurry, they shouldn’t be. The interest rate that you agree to will affect your entire loan period and determine whether or not the loan is affordable to you. If you jump into a loan agreement without considering how high the interest rate is, you could find yourself overindebted. It is best to seek out the lowest possible interest rates – and you will find that many of the lenders you encounter are willing to be competitive with their interest rates. QUICK AND EASY ONLINE APPLICATIONS Nobody wants to spend hours or days trying to secure a loan. In fact, that is inconvenient, as most often cash is required immediately, but it’s also frustrating. Gone are the days when loan applications meant a dedicated trip down to the loan office or local bank. Nowadays, tribal loans online are quick and easier to get. You can do everything online and within just a few moments. You simply need to have an internet-connected device (laptop, mobile phone, iPad, or desktop computer) to access the CreditClock.net portal. You can then apply for a cash loan online without leaving the comfort of your home or office. What’s more, it takes just a few minutes from initial application to loan outcome, so there’s no need to worry about wasting hours of your day to settle it all. A quick and easy online application is the order of the day when shopping for any type of loan at CreditClock.net. SIX MONTHS TO PAY How long do you need to repay a loan? One month? Three months? Of course, it depends on how much money you plan to borrow and your current financial situation. For instance, CreditClock’s supported lenders typically offer up to 6 months to pay. If you cannot afford to repay $5000 plus 35.99% interest over six months, you should apply for a smaller loan amount that’s more realistic for you to repay. With small loans and tribal loan amounts ranging from $100 to $5000 with 2 to 6 months to pay, there’s flexibility to get the loan amount you need and get sufficient time to repay it. EXAMPLES OF SAME DAY TRIBAL LOANS FOR BAD CREDIT Below is a brief look at what typical tribal loans for bad credit look like, taking into consideration their annual interest rate and the loan amounts they offer: Tribal Loans ProviderAPR %Loan Amount RangeBlue Trust Loans471% – 841%$100 – $2500OppLoans36% – 199%$1000 – $4000 As you can see, same day tribal loans are fairly limited in terms of the loan amount range, and the annual interest to expect is phenomenally high. In contrast, same-day online loans from CreditClock.net typically range from $100 to $5000, with lower interest rates ranging from 5.99% to 35.99%. ADVANTAGES & DISADVANTAGES OF TRIBAL LOANS ALTERNATIVES AT CREDITCLOCK.NET Everything in life comes with a set of advantages and disadvantages attached. Much the same, when shopping around for tribal loans and using the CreditClock.net portal to find great same day loans on offer, you will find that the loans available have the following advantages and disadvantages attached: ADVANTAGES OF ONLINE LOANS These are the advantages to expect when applying for same day loans online via the Credit Clock portal: 2-MINUTE APPROVAL PROCESS There’s absolutely no waiting around when applying for a loan through CreditClock.net. The system is entirely automated, which genuinely speeds up the loan application process. Simply click on the “Get Started” button and input your personal particulars. Then, simply wait 2 minutes for pre-approval. If you’re pre-approved for a loan, all that’s left to do is provide the supporting documents and additional information required by the lender – the lender or broker will make sure that you’re aware of what’s required. All in all, you won’t spend very long waiting to find out if the loan is approved or not. And what’s more exciting is that most lenders endeavor to pay the loan out on the very same day that it is approved. A quick approval process and a quick payout – now that’s convenient! FLEXIBLE LOAN AMOUNTS If you’re specifically looking for guaranteed tribal loans, you will find out that most of them offer loans ranging from $100 to $2500 (some do offer more). Flexible loan amounts are important as every borrower is different and therefore has different requirements. For example, some borrowers need just a few hundred bucks to get through the month, whereas others require more significant amounts to pay for an expensive bill. Payday loans from Credit Clock generally range from $100 to $5000, ensuring a payday loan is available for everyone. LENDING FROM REPUTABLE PROVIDERS Obtaining a loan isn’t as simple as just getting the money and paying it back. You will have a relationship with the provider of the finances for the duration of your loan contract. Of course, a relationship with a good lender is preferable. In some instances, the relationship is short because the loan is paid back in a few weeks, but in other instances, it could be much longer – up to 6 months until the loan is paid (that’s half a year – a really long time!) As such, you need peace of mind that the lender you work with is transparent, ethical, and reputable. The lenders on the Credit Clock panel are reputable lenders on the market, and you can rest assured that you’re striking a deal with a lender willing to work with you, not against you. Whether you’re getting tribal loans or regular online cash loans, dealing with a reputable provider is important! DISADVANTAGES OF ONLINE TRIBAL LOANS HIGH INTEREST RATES While getting tribal loans direct lender guaranteed approval might be simple, it can be expensive to repay in the end. In fact, such loans come with high interest rates, making them some of the most expensive personal loans on the market. Regarding the disadvantages of online cash loans, this is the one most worthy of mention. ELIGIBILITY CRITERIA FOR TRIBAL PAYDAY LOANS When applying for tribal loans online through the Credit Clock network, there’s a lot to consider. You can only get loans approved if you meet certain criteria, and while all lenders have their own terms in place, most share similar eligibility criteria. Before you start filling in the application form, it’s a good idea to understand the criteria. This will save time for you and the lenders on the Credit Clock panel. The following criteria should be met when applying for a loan on the CreditClock.net website. * All applicants must present a valid form of ID * You must be 18 years or older to apply for a loan * An active bank account and working mobile phone number are required for all applications * You must earn a steady income of at least $1000 per month * Applicants must provide proof of income APPLICATION PROCESS FOR ONLINE SAME DAY LOANS AT CREDIT CLOCK Applying for easy tribal loans for bad credit through CreditClock.net couldn’t be easier. Simply follow the four easy steps below, and you’ll be in the running for a loan that suits your financial situation and needs. We’ve taken the time to explain each step thoroughly, but you will find each of them is pretty simple. STEP 1: DECIDE HOW MUCH YOU NEED One moment you’re doing okay, and the next, you’re strapped for cash, but how much cash are you actually strapped for? It’s one thing to know that you’re short on money, but knowing how much you need to make ends meet will help you budget effectively and ensure you don’t borrow more than you need. After all, borrowing too much doesn’t mean you get more money; it means you get more debt and more interest (which means more monthly expenses you don’t need), so it’s best to be clever about it. When hunting for tribal loans direct lender guaranteed approval no Teletrack has a figure in mind. Know how much you need and how long you need to pay it back comfortably. At Credit Clock, lenders offer loans of between $100 and $5000 and offer 2 to 24 months to pay. STEP 2: HAND OVER YOUR PERSONAL DETAILS – COMMIT TO THE PROCESS By this stage, you have undoubtedly spent a lot of time investigating the various options for online tribal installment loans direct lenders no credit check, but you haven’t quite signed up yet. At Credit Clock, once you’ve decided that you are ready to get a loan, you need to commit to the process by supplying your personal particulars. Don’t worry – inputting your details does mean you are obligated to accept the loans offered to you. If you’re unhappy with the offers, you can reject them, with no obligation. On the top right-hand corner of your screen, you should see a green button labeled “Get Started.” Click on the button, and an application form will appear – this form will be what the automated system uses to determine if your loan application should go ahead. Therefore, it is important to fill out this application form as accurately as possible. Firstly, you will need to input your requested loan amount and email address. Then, input your name, surname, date of birth, and contact details, followed by your full physical address and residence status (are you renting, or do you own the property where you live?) Next, you will need to provide your employment details, including your income type, employer details, net income, pay frequency, and when you started. You will also need to provide your bank details to transfer the loan amount to you, and the direct debit for your monthly installments can be secured. Thereafter, you will need to supply a list of your monthly expenses so that the lender can compare your income with your expenditure. This provides insight into the overall affordability of the loan for you, so it’s best to only apply for a loan you know that you can afford to pay back each month. Once you’re happy that you’ve provided accurate details, click the “Submit” button and wait to hear back. STEP 3: MAKE A CUP OF COFFEE AND THEN GET APPLICATION FEEDBACK In the amount of time that it takes to make a cup of coffee, the result of your tribal loans application will be delivered. Yup, it takes just two minutes for the automated system to determine if you’re eligible for a loan or not. If you are, the system will connect you directly with lenders. Take note that Credit Clock is a loan-finder service, not a direct lender, but a broker. You can decide if you’re keen to go ahead with the loan, and if you are, you will be put in direct contact with the lender to finalize the details. The lender will only offer you a loan if the information your pre-approval was based on is accurate. During this part of the process, the lender may request supporting documentation to be uploaded or emailed to them. If all your supporting documents are in order, the lender will furnish you with a contract to consider. Make sure that you read through all of the terms and conditions before agreeing to go ahead. Loan contracts are typically transparent, but they can be a little confusing if you’re not used to the industry jargon. If you’re unsure of any of the terms, make sure that you ask the lender to clarify the details. STEP 4: SIGN THE LOAN AND GET YOUR CASH Once you’re entirely happy that you understand the details of your loan agreement, it’s time to do the exciting bit: sign your loan agreement and get the cash! The beauty of tribal loans online is that they’re digital, which means you can sign your contract online and get the cash transferred quickly. Once the lender gets the loan agreement back and checks it, the cash can be transferred. It usually happens within 60 minutes of the loan being approved, but this cannot be guaranteed. In most instances, if it takes longer than an hour, you can expect the cash in your account by the next business day. FAQ’S ARE TRIBAL LOANS GUARANTEED? It’s tricky to say that a loan is “guaranteed.” No loan is 100% guaranteed, but it is considered easier to get a tribal loan than a regular loan. That said, there are still minimum requirements applicants must meet to get tribal loans. For instance, applicants must present their government ID or driver’s license, prove their employment status, receive a regular monthly income, and have an active bank account. CAN I GET A TRIBAL LOAN WITH BAD CREDIT? Borrowers with bad credit, or a credit score that is below 579, are often eligible for tribal loans. Of course, this depends on the requirements of the specific lender. Some tribal lenders will turn down applicants with very low credit scores. CAN MY WAGES BE GARNISHED BY A TRIBAL LENDER? Some borrowers assume that providers of tribal loans have no recourse if they don’t pay their loans. The reality is that an unpaid loan means a tribal loan provider can take you to court. If the court rules in the lender’s favor, a judgment may be filed, and then, yes, you can expect your wages to be garnished. When your wages are garnished, it means that your employer will be tasked with automatically deducting a portion of your earnings and paying it to the creditor or tribal lender on your behalf. In most instances, tribal lenders don’t report to the credit bureaus, which leaves the area of legal action against non-payment a little shaky. WHAT HAPPENS IF YOU DON’T PAY BACK A TRIBAL LOAN? Missing your loan repayments can have serious consequences whether you borrow money from a payday lender or a tribal lender. A debt collector can be commissioned to collect the outstanding amount; you may be taken to court and forced to pay. Of course, this will depend on the ruling of the court. WHAT IS THE INTEREST RATE ON TRIBAL LOANS AND ONLINE PAYDAY LOANS? Interest rates are an important consideration when considering tribal loans and payday loans online. Tribal loans are some of the easiest to get, but they do come with interest rates of between 400% and 800%. On the flip side, online payday loans from lenders on the Credit Clock panel have much lower interest rates attached. These lenders charge between 5.99% and 35.99%. DO TRIBAL LOANS SHOW UP ON CREDIT REPORTS? Most providers of tribal loans operating in the US don’t report payment activities to the credit bureaus. Even so, not paying your monthly installments can still tarnish your credit record. If the tribal lender sells your account to a debt collection agency, they may report you to the credit bureaus, showing up on your credit record. ARE TRIBAL LOANS SAFE? Tribal loans online come with certain risks attached as these loans come with very high interest rates attached. If you have a low income or your income is unpredictable, and you also have many debts to cover each month, it could result in you becoming overindebted. Missing payments could result in penalties and tarnish your credit score. Overall, tribal loans can be unsafe if you’re not financially stable or take out a bigger loan than you can afford. With that in mind, it is indeed a risk to take out a tribal loan, but most loans come with a certain amount of risk attached. ARE TRIBAL LOANS LEGAL IN CALIFORNIA? Tribal loans are not legal in every state of the US. In fact, they are forbidden in some states. In the State of California, tribal loans are prohibited since the California Supreme Court ruled that tribal lenders don’t sure in the tribe’s immunity. That said, there are still tribal lenders operating in California. WHERE CAN I BORROW MONEY IMMEDIATELY? If you need money in a hurry due to an emergency or unexpected expense, heading down to the local bank isn’t going to serve you. Instead, applying for same day loans, payday loans, and instant loans online will ensure that you get the cash as quickly as possible, if your loan application is approved, of course. Most same day loans are paid out within 60 minutes, 24 hours, or by the next business day – which there is no definitive number of minutes you will wait to be paid out, keep in mind that lenders do their best to pay out loans as quickly as possible. Tailored Installment Loans * How It Works * FAQs * Apply Get your loan today Get started Copyright © 2024 creditclock.net. Loans available to over-18s only, subject to status and further checks by the lender. Credit Clock does not make loan or credit decisions, and is not a lender. How We Fund This Website: We do not charge any fees for your request. Lenders, Lender Networks and other marketers in our network pay us if they offer you a loan or alternative loan option after reviewing your information through our service. We Are Not A Lender: The operator of this website is not a lender, we are a broker. We use a algorithm to connect our customers' requirements to our panel of lenders which is based on many of the features of the application details, applicant preferences, and the lenders product. We DO NOT charge our customers a fee for this service. Available Options: Credit Clock does not have access to all lenders or all available loan products. You should not assume that any offer you receive using our service is the best available option for you. You should always compare other options and make your own informed decision about the best products or services for your unique situation. APR & Rates: We do not have control over the APR you will be offered. We display a Representative APR only as it is based on data offered from multiple lenders – the APR range is from 5.99% to 35.99% Max APR. Loans repayment period: minimum 61 days. Although some providers offer rates from 5.99% up to 35.99% APR, rates that low are only available to certain customers. The repayment terms are for close end loan products, and is not reflective of all loan products offered in our network. State Availability: Some lenders and services may not be accessible to residents of all States based on lender’s preferences and legislation particular to that State. We do not provide our service in the following states: Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, West Virginia, Indiana, Minnesota. Credit Checks: Lenders may or may not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Lenders may perform alternative credit checks or consumer reports through alternative providers. By submitting your request for a referral, you are authorizing our referral sources including lenders to independently verify the information you submitted and your credit worthiness. No Guarantee: The completion of the application form does not guarantee approval of a loan. The installment loan amount will vary depending on the lender who accepts the application within our database. $5000 may not be available to every customer. The time taken to transfer a cash advance loan may vary. This website does not directly endorse a particular product and service. Any information on this website should be taken as opinion only. Tribal Lenders: Tribal lenders’ rates and fees may be higher than state-licensed lenders, and are subject to federal and tribal laws, not state laws. © 2024 Credit Clock. All rights reserved. Affiliate Program Credit Clock Canada WARNING: DO YOU REALLY NEED A LOAN TODAY?* It can be expensive to borrow small amounts of money and borrowing may not solve your money problems Check your options before you borrow: * For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and Independent financial counsellor * Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan * If you are on government benefits, ask if you can receive an advance from Centrelink: humanservices.gov.au/advancepayments * The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you. * This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009. The Government’s MoneySmart website shows you how small amount loans work and suggests other options that may help you. *This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.