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Uprova®
  • Credit Types
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    • Payday Loan Alternative
  • Why Uprova®?
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    • Who is Uprova®
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CIP Notice

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

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Won't affect your FICO® Credit Score¹

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NOT ALL LOAN RATES AND TERMS ARE INTENDED TO MEET LONG-TERM FINANCIAL NEEDS.

This service is offered to you via the internet from the reservation of the Habematolel Pomo of Upper Lake, a federally recognized Indian tribe, regardless of where you may be situated or access this site, and does not constitute an offer or solicitation for consumer loans in a state. The Tribe does not accept applications for this service from residents of all states, and the service may or may not be available to residents of your particular state. The states from which the Tribe chooses to accept applications may change from time to time without notice. By obtaining services from this site you are submitting to the jurisdiction of the Habematolel Pomo of Upper Lake.

Uprova® is a website owned and operated by Uprova Credit, LLC., a tribal lending entity wholly owned and operated by the Habematolel Pomo of Upper Lake, California. The Habematolel Pomo of Upper Lake is a sovereign nation located within the United States of America and operates on the Tribe's reservation. Applications approved by 4:30 PM EST Monday through Friday are typically funded the next business day. Uprova Credit, LLC may perform a credit check or otherwise verify the personal and financial information submitted on your application. First-time Uprova Credit, LLC customers may qualify for a loan of $300 up to $5,000. Complete disclosures of APR, fees, and payment terms are set forth in the loan agreement which you should read before you sign and obtain funds. Your loan may be repaid at any time without penalty.

Uprova® subprime loans are designed to help you meet short-term borrowing needs, such as for car repair, medical care for you or your family, or travel expenses in connection with your job. These loans are an expensive form of credit and are not intended to provide a solution for long-term credit or other financial needs. Alternative forms of credit such as a credit card advance, personal loan, home equity line of credit, and borrowing from a friend or relative may be a less expensive and more suitable source of funding.

+For highly qualified customers who opt for loans of $500.00 or more, the APR is 34.5% and the loan term is 36 months. If you do not qualify for these terms you may be eligible for a shorter term loan at a higher APR. Highly qualified personal loan examples: 1) Loan amount: $2,500.00, Fee: 0%, APR: 34.5%, Term: 36 months, Bi-Weekly Payment: $51.58, Total Loan Cost: $4,023.53 | 2) Loan amount: $5,000.00, Fee: 0%, APR: 34.5%, Term: 36 months, Bi-weekly Payment: $103.16, Total Loan Cost: $8,047.07.

*Funds are typically deposited into approved customer accounts within 30 minutes when using the Instant Funding option. Exact timing depends on customer's bank. Prepaid cards are not eligible for instant funding. Same day funding by ACH may also be available, depending on your bank, which may also result in additional fees charged by us or your bank. Please check with your bank to confirm availability and cost.

**Not all loan applicants will be approved. You will not be eligible for funding if, for example, the Tribe does not allow access to its jurisdiction from the market in which you reside, your application is missing required information, contains inaccurate information, or if your information cannot be verified. Applicants must always meet underwriting standards to be approved for a loan.

¹Checking your rate or applying for a loan with Uprova® will not affect your FICO credit score. If approved for a loan, any payment performance on the loan will be reported to credit bureaus and may impact your FICO or alternative credit score.

²Based on a Trustpilot score of 4.7/5.0 stars with over 40,000 reviews.

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