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There's no easy solution, but here are a few simple tips to help you identify if Mobiloans is the answer for you.
Crunch the numbers before you take out a Mobiloans line of credit. Make sure you consider the following:
When you get a line of credit, you pay a Cash Advance Fee. For amounts drawn from your Mobiloans Credit that are up to $500, the Cash Advance Fee will be $3 per $20 drawn. For amounts drawn from your Mobiloans Credit over $500 up to $1,000, the Cash Advance Fee will be $2 per $20 drawn. For amounts drawn from your Mobiloans Credit over $1,000 up to $1,400, the Cash Advance Fee will be $1.50 per $20 drawn. For amounts drawn from your Mobiloans Credit over $1,400 to $2,000, the Cash Advance Fee will be $1.30 per $20 drawn. For amounts drawn from your Mobiloans Credit over $2,000, the Cash Advance Fee will be $1.00 per $20 drawn.
If you pay your line of credit back in full, including the Cash Advance Fee, on or before your due date, there are no additional fees or charges1.
You can make payments on your Mobiloans line of credit at any time at Mobiloans.com.
If you need more time to repay your Mobiloans Credit, a minimum charge is calculated on a tiered level based upon the unpaid balance. This fee is a Fixed Finance Charge, and will be charged to your account each billing cycle (approximately 2 weeks) you have an unpaid balance. There are a minimum of two billing cycles per month. Noted below are the outstanding principal balances with the appropriate Fixed Finance Charges1.
1 Bank overdraft fees are usually more expensive than a Mobiloans line of credit advance. For example, if you need to cover a single $40 purchase, bank overdraft protection would cost an average of $35, but a Mobiloans line of credit would cost only $6, if paid in full on the first billing cycle.
Source: Overdraft Fees: Banks Must Stop Gouging Customers During the COVID-19 Crisis (June 2,2020); Retrieved From: https://www.responsiblelending.org/sites/default/files/nodes/files/research-publication/crl-overdraft-covid19-jun2019.pdf . Accessed 25 July. 2021..
Remember, a Mobiloans line of credit is for short-term cash needs and isn't the right solution for every financial situation. Before you apply, always consider these lower cost options:
Borrow money from a friend, family member, or your employer.
Request a payment extension from the company that sent you a bill.
Check with your bank or credit card provider to see if they can provide a lower cost credit option.
Click on the buttons below to visit some helpful financial sites:
MobiLoans, LLC, a tribal lending entity wholly owned by the Tunica-Biloxi Tribe of Louisiana ("Tribe"), a federally recognized Indian tribe, operates within the Tribe's reservation. Certain limitations apply. See Terms and Conditions for complete details. All trademarks, service marks, and registered marks are the properties of their respective owners. Maximum line amount is $2,500.00. Refer to the Terms & Conditions for additional details. Mobiloans is an expensive form of short term credit and should not be used as a long term solution.
Additional fees may apply for checks returned due
to insufficient funds.
2In most cases, requests for cash that are received and can be verified prior to 4:00 p.m. Central Time (Monday - Friday) will be funded as soon as the next business banking day (excluding weekends and bank holidays). Requests for cash received after 4:00 p.m. Central Time (Monday - Friday) may require an additional business banking day to fund.
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.