Returning Customer Benefits
Reach the Summit with Emerald Rewards.
Woman on top of mountain with arms upstretched in celebration
Ascend Loans Emerald Rewards Program Logo

Ascend Loans eases the financial climb with lower rates

We understand that the climb to financial independence comes with a few obstacles. So, if you need a loan in the future, you can trust us to be here with a helping hand and a discounted Emerald Rewards rate each time you borrow.1 It’s all part of Emerald Rewards from Ascend Loans – our exclusive loan program designed just for returning customers

The Emerald Rewards Path

Just like your climb to financial independence, Emerald Rewards gets better as you Ascend.

Emerald Ascent

Another rock in your path? You can turn to Ascend Loans if you need us for short-term help. We reward successful Emerald Trek customers with an upgrade to Emerald Ascent.1 At this level you’ll enjoy an even lower rate and a loan amount up to $2,000, if you qualify. You could lower your payment by borrowing the same amount on the same terms as your last Emerald Trek loan. To reach Emerald Ascent, all you have to do is pay your prior loans as agreed and have no major changes to income or credit history since your last loan.

Emerald trek

After you pay your new customer loan, you’ll start at this trail marker. If you need another loan in the future, your application path is a bit shorter here than the one you took for your new customer loan. And, your rate will be less than on your new customer loan.1 If you borrow the same amount with the same repayment terms, you’ll have a lower payment. If you qualify, you can also opt for a higher loan amount – up to $1,250. In this case, your payments would be more than your prior loan, but you’ll pay less than a new customer would for the same amount.

Your Rewards are waiting.

Get a discounted Emerald Rewards rate.1

Icon representing lower rate and more money

While You May Be Climbing, Your Rate Won’t

Just by paying your current loan, you can earn rewards on your next loan. No jokes. No strings. We really reward you just for doing what you say you’ll do on your current loan – pay us back as intended. And we keep doing it on any future loan you need from us. You’ll get a discounted Emerald Rewards rate each time you borrow.1 Why? Well, because we really do want to help make your climb to financial security a bit more manageable. If you are faced with a short-term financial roadblock, we’ll be here to help you get trekking again.

1Must meet minimum underwriting requirements. $2,000 Emerald Rewards program maximum loan. If your prior loan was Emerald Ascent or did not qualify, your rate will not be lower. Payments are lower only if you borrow the same amount with the same repayment terms as your prior higher APR loan.

(888) 512-7236

Ascend Loans, LLC
635 East Highway 20, U
Upper Lake, CA 95485

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. 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 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 Financial Services Regulatory Code. 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 with instant funding are typically funded within 30 minutes of signing the loan agreement. 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 up to $1,000. Customers with good payment history may qualify for subsequent loans at a discounted APR and increased dollar amount not to exceed $2,000. 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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