This is an expensive form of borrowing and it is not intended to be a long term
financial solution. Please note: LoanAtLast loans are designed to assist you in
meeting your short-term borrowing needs and are not intended to be a long term financial
solution. Examples of emergency reasons why these loans might be used include unexpected
emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of
credit, such as a credit card cash advance, personal loan, home equity line of credit, existing
savings or borrowing from a friend or relative, may be less expensive and more suitable for your
financial needs. Late fees and non-sufficient funds/returned item fees may apply as described in
your Loan Agreement. Our fees are disclosed in your loan agreement. If you do not make a payment
on time, we will attempt to contact you via one or more authorized methods. We adhere to the
principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your
payment history to one or more credit bureaus, late or non-payment of your loan may negatively
impact your credit rating. If you fail to repay your loan in accordance with its terms, we may
place your loan with or sell your loan to a third-party collection agency or other company that
acquires and/or collects delinquent consumer debt.
* The typical application and verification process requires a phone call with our customer
As part of our information collection process, we may detect additional bank accounts under
the ownership of the consumer. We will consider these additional accounts to be part of the
Niizhwaaswi, LLC reviews your information in real-time to determine whether your information
meets our lending criteria. You acknowledge that by completing and submitting the website
application that you are applying for a loan. We verify applicant information through national
databases including, but not limited to, Clarity and Factor Trust and we may pull your credit in
order to determine your eligibility and ability to repay.
Niizhwaaswi, LLC does not lend to residents of Arkansas, District of Columbia, New York,
Vermont, Virginia, West Virginia and Wisconsin. (Niizhwaaswi, LLC ONLY lend to returning
customers who reside in the state of Virginia). Availability of installment loans are subject to
change at any time at the sole discretion of Niizhwaaswi, LLC.
Niizhwaaswi, LLC dba LoanAtLast is an instrumentality and limited liability company, which
abides by the principles of federal consumer finance laws, as incorporated by the Lac Du
Flambeau Band of Chippewa Indians Tribe of Wisconsin. Niizhwaaswi, LLC dba LoanAtLast is a
Native American owned business operating within the interior boundaries of the Lac Du Flambeau
reservation, a sovereign nation located in the United States.
Loan applications fully verified and approved Monday-Thursday by 6:30 pm central time will
be funded as soon as the next business day. Loan applications fully verified and approved Friday
by 6:30 pm central time will be funded as soon as the following Monday so long as the Monday is
not a bank holiday.