FAQ’S

1. WHAT ARE THE REQUIREMENTS TO OBTAIN A LOAN?

You must be at least 18 years old (19 if residing in AL or NE) and have:

◾ A job or proven source of income

◾ An email address

◾ An active and valid checking account

◾ Reside in a state in which Atoske Loans does business

All signed Loan Agreements are subject to verification of prior loan history and application information. Your online application will be either approved or declined based on our evaluation of the information you provide. In some cases, we may need to ask for additional information. But for most customers, it’s quick and hassle-free.

2. HOW WILL I KNOW IF MY APPLICATION IS APPROVED?

After you submit your online application, your results will be available in a matter of seconds. If conditionally approved, subject to verification of your application information, you will be able to request how much you want to borrow up to your maximum approved amount. In the event we are unable to approve your application for credit, we'll notify you with the reason for denial.

3. HOW MUCH CAN I BORROW?

If this is your first Atoske loan, you could qualify for $500 up to $1,000. See Loan Cost & Terms for additional information.

4. HOW SOON WILL I GET MY MONEY?

If your application is approved and verified by 6 p.m. ET, we can electronically deposit your loan proceeds into your bank account as early as the next business day. Alternatively, you can request that we send you a paper check via the USPS, which will take approximately 7-10 days for delivery.

5. WHO IS THE LENDER?

Atoske is a tribal lender of the Chippewa Cree Tribe operating within the boundaries of the Rocky Boy’s Indian Reservation, Montana, a sovereign nation located within the United States of America. Loans from Atoske are governed by the laws of the Chippewa Cree Tribe, not the law of your resident state. The laws of your resident state may have interest rate limits and other consumer protection provisions that are more favorable. If you wish to have your resident state law apply, you should consider taking a loan from a licensed lender in your state.

6. HOW MUCH DOES IT COST?

Your loan's total cost depends upon the amount that you're approved for and your payment history. For example, the Annual Percentage Rate (APR) for a loan of $700 is 364.00% with 14 bi-weekly payments of $116.63. See Loan Cost & Terms and for more details.

7. WHAT WILL HAPPEN IF I’M LATE ON A PAYMENT?

It is your responsibility to make your loan payment by the due date, but we make it easy for you to avoid being late or missing a payment. You can schedule automatic electronic payments from your checking account or provide payment in one of the following forms (debit card, check, or money order). If you do make a late payment, skip a payment, or a payment is returned to us, you may incur additional fees. If a payment is returned, we may submit the payment to your bank for reprocessing. If you are unable to make your scheduled payment, please contact Customer Support.

8. WHAT ARE MY PAYMENT OPTIONS?

Unlike many traditional banks, with Atoske Loans you have the choice of paying off your loan over several installments, or all at once at anytime – wit hout penalties.

We structure our loans so that payments are typically around $100 (based on bi-weekly payments). For example, a $700 loan with an Annual Percentage Rate (APR) of 364.00% has 14 bi-weekly payments of $116.63. The actual number of payments required for your loan will be based on your loan amount and your pay schedule. For your convenience, we link your loan payment dates to your pay dates.

9. HOW DO YOU PROTECT MY PERSONAL INFORMATION?

Keeping your financial and personal information safe is one of our most important responsibilities. Atoske Loans has taken a number of measures to keep our process completely confidential and secure. Please review the details on our Security page. And if you have additional unanswered questions, please contact us.