Lower Costs for Returning Customers
At Ascend Loans you get a good loan for bad credit. Our promise as a responsible lender is to provide a path forward when others won’t. We don’t stop there. A loan with us may prove to be a good move on your trek to financial independence. We give you a discount to help you on the way when you return. Of course, you must meet underwriting requirements. This benefit and more are all part of Emerald Rewards – our exclusive program built for returning customers.
Get a Better Rate
We’ll never try a bait and switch to make you think we make low cost loans for bad credit. Our loans are expensive. However, you can earn a lower rate on your next loan. You do this just by having a good payment history on your first loan.
You’ll see the reward, if you’re approved on a future Ascend loan and meet program requirements. It will be right there on your loan contract. You’ll see a lower Emerald Rewards APR and interest rate.
And each time you borrow, you can lower your rate even more! Emerald Rewards is a path onward and upward to help you. As such, our rates get better each time you borrow from us.
Any existing customer can get this benefit. You just need to pay your last loan as agreed to keep ascending in the program.
Lower Payment Options
With Emerald Rewards, you could also have a lower payment.
You’d need to borrow the same amount as your new customer loan. And, your repayment schedule would need to be the same as with your first loan. When both of those are true, the lower rate means a lower payment for you!
Borrow More if You Need It
If you qualify for an Emerald Rewards loan, you may see more than just a lower rate. We do understand that sometimes, an unexpected expense may mean you need more. That’s way we issue higher loan amounts through Emerald Rewards.
We do make sure we right-size and increases. We never want to set you up for failure by giving you more than you can repay. Our focus is always on helping you improve your financial health.
Keep it Uncomplicated
We keep Emerald Rewards simple. There’s no points you have to keep up with or a coupon code you have to track down. If you need a loan again, we’ll apply the reward automatically.
All you need to do is go to the customer login link. Once logged in, click the Apply button. (It will be there after you payoff your first loan.) Then you are just a few minutes away from being on the Emerald Rewards Trek.
Start Your Trek
When you look at the big picture, loans may be needed again. You may need emergency cash now down the trail. Why not choose a lender that rewards your good payment history? Get a discount on future loans with Ascend Loans Emerald Rewards.
Ascend Loans, LLC (“Ascend”) subprime loans are designed to help you meet short-term borrowing needs, such as for car repair, medical care for you or your family, or travel expenses in connection with your job. These loans are an expensive form of credit and are not intended to provide a solution for long-term credit or other financial needs. Alternative forms of credit such as a credit card advance, personal loan, home equity line of credit, and borrowing from a friend or relative may be a less expensive and more suitable source of funding.
Ascendloans.com is a website owned and operated by Ascend Loans, LLC, a wholly owned economic development arm and instrumentality of the Habematolel Pomo of Upper Lake (the “Tribe”), a federally recognized Indian tribe. This service is offered to you via the internet from the the Tribe's trust land, regardless of where you may be situated or access this site, and constitutes an offer or solicitation for consumer loans solely within the Tribe's jurisdiction, not in any other state. The Tribe does not allow access or accept applications for this service from residents of all locations, and the service may or may not be available at your location The locations from which the Tribe chooses to allow access to its jurisdiction may change from time to time without notice. The Tribe regulates financial services obtained by anyone choosing to access the Tribe's jurisdiction, such as you, under the Habematolel Pomo of Upper Lake Tribal Consumer Financial Services Regulatory Ordinance. Ascend is authorized to offer such services within the Tribe’s jurisdiction through a license issued by the HPUL Tribal Financial Services Regulatory Commission. If you choose to visit the Tribe’s jurisdiction through the internet and access services offered and regulated under the Tribe’s laws, you must consent to the Tribe's jurisdiction and agree that Tribal law governs such services. Any agreements governing those services will become binding when we accept them at our offices on the Tribe's land.
Applications approved by 4:00 p.m. pacific time Monday through Friday are typically funded the next business day. Ascend may perform credit checks or otherwise verify the personal and financial information submitted on your application through traditional and alternative credit bureaus. If we are unable to verify your application information electronically, we will perform a manual verification in which you will be asked to provide certain documents. Manual verification may delay your loan decision and, if you are approved, funding. First-time Ascend customers may qualify for a loan of $300.00 up to $1,000.00. Customers with good payment history may qualify for subsequent loans at a lower APR and increased dollar amount not to exceed $1,000.00. Complete disclosures of APR, fees, and payment terms are set forth in the loan agreement which you should read before you sign and obtain funds. Your loan may be repaid at any time without penalty.
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