Installment loans from Northern Star Lending offer you a way to get the funds you need to cover life's little emergencies without the harsh repayment terms of a traditional payday loan. Unlike traditional payday loans that expect you to pay everything back plus finance charges and interest in one lump sum payment, our installment loans let you pay back what you owe in fixed payments over a convenient time span.
Prior to loan closing and funding, you will be provided with a loan agreement specific to your loan, which will include a payment schedule, Annual Percentage Rate (APR) and other terms.
Your loan details including the terms and conditions of credit, finance charges, and Annual Percentage Rate (APR) will be fully disclosed to you in your loan agreement. Contact us today to see if you qualify for one of our loans. We can assist you and present a range of payment options for which you may qualify.
Our Company adheres to all tribal and federal laws and regulations that apply to short term and online personal lending. Our company does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of an applicant's income derives from any public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Please note: This is an expensive form of borrowing. These loans carry a high cost and are designed to assist you in meeting your short-term financial needs and are not intended to be a long-term financial solution.
The finance charge applied to your loan will be clearly disclosed on your loan agreement. We provide accurate and comprehensive fee disclosures on your loan agreement in accordance with the Federal Truth in Lending Act and other regulations. Late fees, NSF (non-sufficient funds) fees, and returned items fees may also be applied and are detailed in your loan agreement.
Your first payment is due on your following pay date. If that day happens to fall on a weekend or holiday, the payment will be due on either the next business day prior to or the business date immediately following. The details will be specified in your loan agreement.
If you need to change your payment schedule for any reason, you must notify Northern Star Lending at least three (3) business days prior to the next payment date you are scheduled to make.
You will be sent reminders via email outlining your due date options prior to the due date.
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” may extend the time for the deposit and may cause a change in the Disbursement Date as disclosed herein.
Please note, additional incoming wire service fees may be applied by your bank. It is strongly recommended to verify if your bank will apply those fees, that your account is eligible to receive wire transfers, and when your bank will make those funds available to you.
If a scheduled payment is not made on the date that it is due, you may be subject to additional fees. If the payment is being withdrawn directly from your bank account and there is not sufficient money in your account to cover the amount due or the payment is dishonored by your financial institution for any reason, an NSF (non-sufficient funds) fee of $25 may be assessed. If any payment is late by five (5) days after the due date, you may be responsible for an additional $25 late fee.
There are no penalties for paying your loan off early. In fact, Northern Star Lending encourages customers to pay off their loan as quickly as possible to reduce the total finance charges.
If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, 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 a part of the application process for underwriting and verification purposes only. We always obtain prior separate customer authorization when trying to obtain additional customer bank account information as a potential payment option.
For more details about this service and other terms of your loan, please refer to our Terms of Use. We do not lend in every state. The states in which we operate may change. Please check back periodically to see if we are doing business in your state If you have any questions about Northern Star Lending please contact us or check out our FAQ for further information. Our hours of operation are 7AM CST – 8PM CST, Monday – Friday. However, you can always email us at support@northernstarlending.com.
At Northern Star Lending, the customer is our priority! Our team is dedicated to treating each customer with the utmost respect and courtesy. Whether you are a past, current, or future customer, never hesitate to reach out to us with questions or concerns.
Northern Star Lending is committed to ensuring our customers clearly understand our installment loan rates and terms.
It is your right to cancel your loan. No strings attached. Cancel your loan within 24 hours after the Disbursement Date and we will set up a draft to reverse the loan proceeds.
PO Box 818 Keshena, WI 54135
Toll Free: 877-335-5990
Tribal Dispute: 800-635-1153
Fax: 920-659-5497
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.