Climb Higher with Smarter Borrowing
Reach New Heights with Ascend Loans
Competitive Rates. Simple Terms. A Better Way Forward.
Three Simple Steps to Smarter Borrowing
Apply with Ease
Our online application is fast and simple. Checking your rate won’t affect your credit score.1
Get a Quick Decision
Our efficient evaluation process ensures you receive an answer quickly.
Receive Your Funds
If approved, you can typically access your funds within 24 hours.
Fast. Secure. Uncomplicated.
Why Choose an Ascend Loan?
At Ascend, we understand that financial obstacles happen. That’s why we offer an alternative that actually helps you move forward instead of keeping you stuck. Ascend Loans offer a structured, transparent approach to borrowing—so you can take control of your finances with confidence.
✔ No hidden fees or surprise charges.
✔ Repayment that fits your budget.
✔ Competitive rates and clear terms.
✔ Support for long-term financial success.
Let’s climb to financial stability—together.
A Loan That Elevates Your Financial Journey
At Ascend Loans, we believe in offering a smarter, more flexible path to financial security. Our loans provide a clear way forward with structured payments.
What makes Ascend Loans different?
- No balloon payments
- Clear terms with no hidden fees.
- Repayment options that work with your budget.
With Ascend, you’re not just borrowing—you’re moving upward.
Looking Ahead: The Ascend Rewards Program
Just like a well-planned climb, financial progress is best achieved step by step. That’s why we reward responsible borrowing. When you repay your loan on time, you can qualify for Ascend Rewards, which may include lower interest rates, higher loan amounts, and even more flexible terms.
Your financial summit is within reach—Ascend Loans will help you get there.
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.
(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 $1,200. Customers with good payment history may qualify for subsequent loans at an 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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