Installment Loans

HOW DO INSTALLMENT LOANS WORK?

When you need money fast for an unexpected financial emergency, installment loans can be a quick, convenient and confidential way to take care of your monetary needs. Installment loans are often an excellent solution to your problem. If you need a plain and simple borrowing alternative, Atoske can provide you a secure, simple, and fast avenue to get your money. What are installment loans? They are a means of borrowing money for various reasons including short-term financial needs that allow you to repay the loan over time and at rates typically far less than payday loans. Once you receive your money, you simply make regular payments until your balance is paid off. Your payment will be the same for the entire time that you carry a loan balance. Easy budgeting, predictable payments and a definite loan pay-off date can take a lot of worry off of your mind. Atoske will even schedule your payment dates to match your job’s pay schedule so you’ll be less likely to miss a payment. We offer automatic payment processing, e-mail notification of upcoming due dates, and online access to your account to make your experience hassle-free.

WHY SHOULD I CHOOSE ATOSKE?

You can pay off your online loan in installments, or you can pay it off at any time with no penalties. Unlike many financial institutions, we allow and even encourage you to pay off your loan early to reduce your overall interest and finance charges. We charge no fees or penalties for early repayment—you pay interest only for the time that you have the loan.

Atoske offers easy online application with no application fee Courteous and friendly customer service professionals who treat you with respect No paperwork, No Office Visit, and No Waiting in line* Convenient affordable payment options including extended terms Pay-off at any time without a penalty

As you shop for an installment loan, you may question how your approved loan amount was determined. Don’t get discouraged if you are not approved for the full amount that you requested on your first loan. Atoske offers loans from $500 to $1,000 for first-time customers; however, as you build a successful payment history, you can qualify for more on future loans.

We believe in plain and simple pricing and terms. Atoske offers installment loans with steady, predictable payments, flexible due dates, and absolutely no hidden fees or early pay-off charges. Apply in confidence and easily anytime – twenty-four hours a day, seven days a week. And if you want to talk it over with someone, our customer service representatives are professional, courteous and happy to help.

So if life has handed you a little surprise your budget wasn’t quite prepared for, consider all of your options and make a decision that works best for your situation. And remember, at Atoske, we provide plain and simple installment loans to help manage life’s unexpected expenses. Apply online or call us. You could have cash in your account as soon as the next banking day.*

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Atoske, LLC 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.

This is an expensive form of credit. 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. Before borrowing, please consider whether you will be able to repay any amount you borrow along with the interest charges disclosed to you in your loan agreement. Customers with continued credit difficulties should seek credit counseling.

Refinancing may be available and is not automatic. Refinancing your loan will extend the term of the loan and result in additional interest charges. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement or the Loan Cost & Terms. If you don't 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. 1First-time Atoske customers typically qualify for an installment loan of $500 to $1,000, with an APR of 299.17% to 373.97%. A $700 loan from Atoske Loans would require 14 bi-weekly installments of $116.63, including $932.70 of interest and an APR of 364.00%. After the 14th successful payment, your loan would be paid in full. Refer to Loan Cost & Terms for additional details.

*In most cases, applications that are received and can be verified prior to 6:00 p.m. Eastern Time (Monday - Friday) will be funded the next business banking day (excluding weekends and bank holidays). Applications received after 6:00 p.m. Eastern Time (Monday - Friday) may require an additional business banking day to fund. In some cases, we may not be able to verify your application information and may