Loan FAQ

First time borrowers may qualify up to $1,500.00 and returning customers may qualify up to $5,000

Once you submit the online application, we will verify certain information and then notify you through email if you are approved and the amount for which you qualify. If approved, we will request that you electronically sign your loan agreement to finalize the loan offer.

  • Be at least 18 years old
  • Receive consistent income from a reliable source
  • Have a checking account set up to received direct deposits
  • Have not, nor plan to file for bankruptcy

Generally, loan applications approved and processed by 12:30pm CST of any business day will be funded the same day. Loan Applications approved and processed after 12:30pm CST will be funded by the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” or your choice of payment method may extend the time for the deposit and may cause a change in the Disbursement Date as disclosed in your loan agreement.

Applicants are required to have an open checking account that is in good standing and is set up to receive direct deposits.

Your loan will be paid off through a series of weekly, bi-weekly, or semi-monthly payments align with your payroll deposit dates over the period of one year.

The most common method of payment is an electronic payment scheduled on the payment due dates set forth on the Payment Schedule in your loan agreement. This is the most convenient method as you will not have to worry about ensuring timely delivery of loan payments to us. Alternative payment arrangements may be made as further detailed in your loan agreement.

If you know you will not have enough funds available on the date a payment is due, contact us no later than three (3) business days prior to the payment date so the appropriate arrangements can be made for your account.

If you are no longer in need the loan, you have 24 hours after funds are deposited into your account to reverse the loan. Please contact us as soon as possible so we can guide you through this process.

The application process for a payday loan and installment loan are similar. Where they differ is how the loan is paid back. Payday loans are expected to be paid in full on your next pay date, and installment loans allow customers to pay back their loan over a period of time with fixed payments.
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  • Supports efforts to combat fraud in the lending industry. If you believe you have been a victim of fraud, please contact your local law enforcement authority and the Online Lenders Alliance Consumer Hotline at 866-299-7585.

We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt.

Loan Applications approved and processed by 12:30 pm CST of any business day will be funded the same day; Loan Applications approved and processed after 12:30 pm CST will be funded by the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” may extend the time for the deposit and may cause a change in the Disbursement Date as disclosed herein.

Northern Star Lending is a commercial enterprise and instrumentality of the Menominee Indian Tribe of Wisconsin, a federally recognized sovereign Indian nation (the “Tribe”) that adheres to federal consumer finance laws and operates within the boundaries of the Tribes’ reservation. Northern Star Lending operates pursuant to the law of the Tribe. Loans from Northern Star Lending are governed by federal law and the law of the Tribe, not the law of the state where you reside. Nothing in this communication should be construed as a waiver of sovereign immunity, which is expressly reserved.

Please note: This is an expensive form of borrowing. Northern Star Lending installment 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. The Annual Percentage Rate (“APR”) as applied to your loan will range from 630%-780% depending on your payment schedule, pay frequency, loan term, and the amount of your loan. Failure to repay your loan obligations when due may result in additional fees and collection activities as described in your loan agreement and as allowed by applicable Tribal and federal law. Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Arkansas, Connecticut, District of Columbia, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Mexico, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Vermont, Virginia, West Virginia and Wisconsin are not eligible to receive a loan from Northern Star Lending.

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