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 lower rates each time you borrow.* 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 Summit

The view is always better at the top, and for Ascend Loans returning customers reaching the Emerald Summit level, so are the rates. At this level you’ll qualify for the absolute best terms we offer because you are the absolute best when it comes to a customer.* While we hope one loan gets you back on the right path. We also understand life isn’t always that simple. Short-term financial stress can come up again. We’ll be here if you need us along your climb to financial stability.

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 an upgrade to Emerald Ascent.* At this level you’ll enjoy an even lower rate and a higher loan amount, if you qualify. All you have to do is pay your Emerald Trek 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.* So, if you borrow the same amount, you’ll have a lower payment. If you qualify, you can also opt for a higher loan amount. If you do, your payments would be more than your first loan, but you’ll pay less than a new customer would for the same amount.

Your Rewards are waiting.

Get a lower rate with every Emerald Rewards loan. *

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. And we keep doing it on any future loan you need from us. Your interest rate goes down every time you borrow.* Why? Well, because we really do want to help make your trek to financial security a bit more manageable when you are faced with a short-term financial roadblock.

*Must meet minimum underwriting requirements. Payments are lower only if you borrow the same amount with the same repayment terms as your prior loan. If your most recent loan did not meet minimum qualifications for advancement in the Emerald Rewards program, your rate may not be lower than your most recent loan. Your loan amount will not exceed a maximum loan of $1,000.

(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 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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