Installment Loan Rates

• How much can I borrow and how do I qualify?

• What does it cost?

• When do I get my money?

• When do I repay?

• What if I can't pay?

How much can I borrow and how do I qualify?

The minimum initial loan amount is $200.00.
The maximum loan amount is $750.00 subject to approval.
Qualifying depends on factors such as your income and length of employment. Some minimal requirements to qualify for an installment loan are:

• You are 18 years of age or older and a citizen of the U.S.,
• You are not in the military,
• You are currently employed or are receiving steady income from benefits,
• You make at least $1,500 in income monthly
• You have a valid bank account that has been open for 6 months and receives direct deposits (direct deposits are required to confirm income).
• You have two valid contact numbers.

What does it cost?

The following is an example of an illustrative transaction that reflects representative credit terms which may be available:

We strongly encourage principal reduction and early payment to reduce your finance charges.

When do I get my money?

In order to complete your loan and get your cash into your bank account, you MUST confirm your loan details with us after submitting the form and getting an approval.

After approval, we can transfer your installment loan directly to your bank account. Applications processed and approved
before 12 pm MT Monday – Friday are typically funded on the next business day.

When do I Repay?

You won't have to pay anything until your first installment date. Your first installment will be due on your next pay date that falls at least 5 days away. If your next pay date is less than 5 days away, your due date will be the following pay date. Sample installment cycles are available in the above table and your full repayment schedule for your installment loan will be disclosed in your loan agreement.

If the due date of a specific payment in your installment loan cycle falls on a weekend or holiday, your due date will automatically be adjusted to either the business day before or after the conflicting date, according to the terms of your loan agreement.

At any time you may call or email to...

• pay your loan in full early by paying the principal loan amount plus the finance fee due,
• or continue to pay multiple payments on your loan by paying the finance fee plus make an additional payment towards the principal which will reduce your installment term accordingly.
• You may make any scheduled payment on or before the due dates of those payments by ACH direct debit, debit card or by cashiers check or money order directed to us at: Bison Green, P.O. Box 528, Hays, MT 59527, or other forms of payment acceptable to us.

Our fee is consistently less than overdraft fees at banks, bounced check charges, taxes, and credit limit fees. Installment loans remain a smart alternative to these higher rate set-backs. Take control of your temporary circumstances and don't be overcharged with penalties! (Installment loans are designed for emergency cash needs and should not be considered a long term solution for financial stability.)

What if I can't pay?

If you encounter difficulties in repaying your loan on the scheduled installment date(s), you can contact us to arrange a payment plan that meets your needs. Calling us as soon as you become aware of extenuating circumstances will help us rearrange your payment terms as efficiently as possible and help you avoid any late fees or insufficient funds fees (see next paragraph).

Late / NSF Fees

If a payment is not made by your installment date, you will be subject to additional fees. If a payment is returned because there are insufficient funds on deposit, or your payment is dishonored by your financial institution for any reason, then you will be assessed an NSF fee of $30. If any payment is late by five days or more after the due date, then you will be responsible for an additional $30 late fee for each late payment. This is why it's important to contact us if you anticipate any problems with your payment, and we will be happy to discuss alternative payment plan options.

You can always revoke ACH authorization and make a payment by cashier's check or money order. Please call ahead at least 2 business days before your payment date to arrange an alternate form of payment to avoid any NSF fees and/or late fees.