New Customer Loans


Ascend Loans delivers so you can refocus on your future.

We provide access to credit when others say no. And, we promise to be real with you. That means making sure you understand the cost of our small-dollar loans. Knowing everyone deserves some help on the climb to financial freedom, we’ll show you a few ways to pay less for your loan, too.

If you decide your best journey does not include paying early or paying extra, every Ascend loan comes with an easy-to-understand installment payment. And, your payment is due when you get paid. It’s all in your Loan Agreement.

Ascend Trek Tips

Sign up for auto-pay
Make extra payments whenever you want
Pay your loan off early without a penalty
Doing any of these will reduce the total you pay in interest.

Here is what you can expect:


If your loan is approved, your next step is to sign your loan agreement. Everything is in our secure, online portal, so you sign electronically. No paper. No trips to an office or to the mailbox. After you sign all your loan documents online, we will direct deposit your funds in your checking account. You typically will see those funds in your account by the next business day.


Your first payment due date will be no less than 7 days from the date your loan is funded. Your first and last scheduled payment amount may be slightly different than the others. This is due to the period of time between when we fund your loan and the first scheduled payment, and the principal balance that you owe at the time of your last payment.
Man with map navigating a mountain trail

Loan Terms

All Ascend Loans are installment loans with approximate equal payments. That means you repay your loan over a set amount of time. Remember, you can reduce the amount of interest and fees you pay in 3 easy ways. You may sign up for auto-pay when you take out a loan, make additional principal payments, and pay your loan off early without a penalty. Each of these will reduce the amount of interest and fees that you pay.

Cost of Credit

The cost of credit is the amount you pay in interest and fees. It is additional to the amount you borrow, which is called the principal or funded amount. The Annual Percentage Rate (APR) shown on your loan agreement reflects your cost of credit. You will see Finance Charges on your Loan Agreement that lists the costs in dollars. (Check out the FAQs for more information on APR.) You will pay less finance charges by making additional principal payments or paying off early.

Payment Options

You earn a 25 percentage point discount on your interest rate if you agree to let us draft your payment from your checking account. If you want to pay by check, you’ll need to add a $5 processing fee to each payment. And you’re responsible for making sure your payment arrives to us on time (plus the cost of postage). If your payment is 3 days late or more, we’ll add a $25 late charge to your loan.

The information below is an example of what you could save by using auto-pay. Refer to your loan agreement for your finance charges, payment amount, due date, and APR and more.

Manual Repayment

$500 Loan Paid Bi-Weekly
10 Month term
21 Bi-Weekly Payments of $140.22

725% APR
$105.00 – Manual Payment Fees
$11.55 – Stamps to Mail Your Payment

Automatic Repayment

$500 Loan Paid Bi-Weekly
10 Month term
21 Bi-Weekly Payments of $130.64

700% APR
$9.79 – Auto Pay Payment Savings
$205.59 – Auto Pay Life of Loan Savings

(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.

© Ascend Loans, LLC | All Rights Reserved