
How much can I borrow?
We consider a lot more than your credit score when determining what amount you qualify to borrow. The amount approved will be right-sized to what you can repay.
Once you submit your application, it just takes a few minutes to find out what loan amount you are eligible to receive. The maximum loan amount we offer to a new customer is $1,000. The Emerald Rewards Program maximum loan amount is $2,000. See Emerald Rewards for details.
Your traditional credit score with the “big three” will not change just because you submitted an application.
Can I get a loan with bad credit?
Can I get a loan with no credit?
So, yes, we make loans to people with “no credit history” if you are thinking about it in a banker-speak way.
We know there are more good things we can look at along your path to financial independence. Having a mobile phone account, paying your rent, and more real life situations like these are considered credit history with us.
Will my credit score change if I apply for a loan?
We may use alternative sources to verify your identity and/or if you are under active military status. Some of these sources may use information obtained through the major credit bureaus. When they do, our check for your application may show up as a soft inquiry on your credit report. But, soft inquiries are not a factor that the major credit bureaus use to calculate your credit score.
Simply put, the answer is no.
What are the minimum requirements to qualify for a loan?
What is Instant Bank Verification?
How much does it cost?
What is an Annual Percentage Rate or APR?
How do you get my loan funds to me?
What is ACH?
If I sign up for auto-pay, do I get any kind of discount?
May I increase my loan amount?
Your loan amount is right-sized so that you are able to repay it as agreed. Once you repay your current loan, if you need a loan in the future, you may qualify for more funds and a discounted rate. See our Emerald Rewards Program page for more details.
How do I refinance my loan with Ascend Loans?
How can I lower my cost?
Sign-up for auto-pay when you apply for your loan allowing us to debit your payment from your checking account each scheduled payment, and we will discount your interest rate by 25 percentage points.
You may also make additional payments to your loan or even pay your loan off early without a penalty. Either will lessen the amount of interest that accrues and is due on your loan. Click My Account to login and schedule your pay off or to make an extra payment at any time. It is safe, secure, and simple.
Is there a penalty for paying my loan off early?
My payment is due on a weekend or a banking holiday. What happens?
What if I cannot make my next payment?
How do I cancel my loan?
How do I get my balance?
Where can I access a copy of my Loan Agreement?
Does Ascend Loans offer any discounts or benefits if I borrow again?
Yes! We designed our Emerald Rewards program to reward returning customers who pay back their new customer loan on good terms. If you qualify, your APR on a future loan with us will be less than the APR on your first loan with us. For a more detailed review of these terms, please visit the Emerald Rewards page.
Will I qualify for a higher loan amount with Emerald Rewards?
You may. We designed our Emerald Rewards program to reward returning customers who pay back their new customer loan on good terms. If you qualify, your APR on a future loan with us will be less than the APR on your first loan with us. And, if you qualify, you may elect to accept a higher loan amount offer from us, too.
Are my returning customer benefits the same for all future loans?
The structure is similar. All Emerald Rewards tiers offer a discounted APR from the prior tier. The first tier of the program, Emerald Trek, offers you a rate that is lower than your new customer loan rate. All tiers include our expedited returning customer application process, too. The amount you can borrow depends on your qualifications as well as what tier level you earned from your last loan.
How do I apply for an Emeralds Rewards loan?
If your final payment was made greater than 4 business days ago and has cleared your bank account, applying online through self-service is the way to go. Simply click My Account to login. Then click the reapply button. That will take you to the expedited returning customer loan application.
I had to defer a payment on my current / last loan with Ascend Loans. Am I still eligible for Emerald Rewards?
(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.
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 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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