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Borrow up to $1,000 from this tribal lender — but watch out for extremely high APRs.
While LoanAtLast has longer terms than many payday lenders, you’ll still face the same expensive financing fees as other short-term lenders out there. But if you live in a state where short-term lending is otherwise banned, LoanAtLast could be a way to borrow the money you need without having great credit.
Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.
What is LoanAtLast?
LoanAtLast is a short-term tribal lender owned by the Lac Du Flambeau Band of Chippewa Indians. It offers installment loans of $200 to $1,000 with terms up to 0.75 years. While LoanAtLast doesn’t advertise an exact range of interest rates, you can expect a high APR. However, LoanAtLast does its best to keep borrows informed. It’s a member of the Online Lender’s Alliance and follows a list of best practices.
As a sovereign tribal lender, LoanAtLast doesn’t have to abide by federal and state laws regarding short-term loans. This means there’s no cap on how much it can charge in interest and fees — which means you could end up paying double or even triple your loan amount in fees. However, since LoanAtLast doesn’t charge a prepayment penalty, you can save on interest by paying off your loan early.
Must read: Not available in all states
LoanAtLast doesn’t offer installment loans to residents of Arkansas, New York, Pennsylvania, Vermont, Virginia, West Virginia, Wisconsin or Washington, DC. If you live in one of these states, consider another lender.
What are the benefits of an installment loan from LoanAtLast?
Borrowing from this tribal lender comes with a few benefits, including:
Option to cancel your loan. Have second thoughts? You can cancel your loan up to one business day after receiving your funds — as long as it’s done by 4 p.m. CT.
Member of the Online Lender’s Alliance (OLA). This means LoanAtLast follows a list of best practices to ensure you’re given a fair and transparent lending experience.
Online chat available. Unlike some lenders that only give you a single contact email, LoanAtLast goes a step further and offers an online chat feature.
Available in 43 states. LoanAtLast lenders to residents in all states except Arkansas, New York, Pennsylvania, Vermont, Virginia, West Virginia, Wisconsin and Washington, DC.
What to watch out for
Consider these potential drawbacks before applying for a LoanAtLast installment loan:
Expensive to borrow. Like all short-term loans, you face staggering APRs in the triple digits.
Tribal lender. LoanAtLast doesn’t have to abide by any state or federal regulations and can’t be sued in a US court of law — all disputes are handled by a Tribal Regulatory Authority.
Mixed reviews. Some former borrowers posted on Trustpilot and with the Better Business Bureau that they had issues working with LoanAtLast’s customer service team to make repayments, though others praised the team and its speedy application process.
Compare installment loan providers like LoanAtLast
Updated October 20th, 2019
Be cautious of the extremely high interest rates
LoanAtLast offers an example on its website of the rates and terms you might qualify for — and the costs are astronomical. A $500 loan with a 676% APR and 20-month term will end up costing you over $2,000 — and that’s if you’re able to make the payments on time without incurring additional fees.
What do customers say about LoanAtLast?
Reviews of LoanAtLast are a mixed bag. It isn’t accredited by the Better Business Bureau but earns a B rating as of February 2019. It only has one negative customer review and 20 complaints filed against it. Borrowers were most upset with how expensive these loans were, while others had issues working with customer service to pay back their loan.
LoanAtLast fares better on Trustpilot, earning an 8.5 out of 10. The majority of its nearly 1,200 reviews rate it as “Excellent.” Many praised its fast turnaround and helpful customer service, although there were still several warnings about the extremely high interest rates and the overall cost of a loan.
Am I eligible?
To qualify for a LoanAtLast installment loan, you must:
Have an open checking account in your name.
Not be involved in a bankruptcy case.
Be a US citizen or permanent resident.
Be at least 18 years old.
How do I apply?
You can apply for a LoanAtLast installment loan online by following these steps:
Visit LoanAtLast’s website and select how much you want to borrow.
Enter your full name and email, select your state of residence and click Apply Now.
Fill in your phone number and address, then click Next.
Enter your source of income, pay frequency and take-home pay. Click Next.
Choose an ID number, then fill in your date of birth, Social Security number and banking information. Click Submit.
LoanAtLast notifies you by email with a decision. You may be asked to submit extra documentation to verify your identity and income, which might require a call with a customer service representative.
Once you reach the final stage of approval, LoanAtLast sends your loan contract and disclosures. Read these carefully, as they should outline exactly how much your loan costs, any fees you may incur and your payment schedule. If you agree, sign your loan contract electronically. Applications approved before 4:30 p.m. CT can generally be funded as soon as the next business day.
I got a LoanAtLast installment loan. Now what?
Now that you have your loan, it’s time to start thinking about repayments. LoanAtLast offers three ways to make your monthly payments:
Electronic funds transfer. Set up your checking account to have your payment directly transferred to LoanAtLast.
Money order or cashier’s check. Drop this in the mail, but make sure it’s dated before your payment due date.
Payment by phone. Call LoanAtLast two days before your due date to make a payment with your debit card.
There is a late payment fee of $20 if you miss your due date by more than five days, and LoanAtLast charges a non-sufficient funds (NSF) fee of $30 if there isn’t enough money in your account.
Keep an eye on your loan balance and bank account. If you notice anything off, reach out to LoanAtLast by calling 844-676-8550, emailing email@example.com or by using the online chat feature.
LoanAtLast may be a member of the OLA and follow a list of best practices, but that doesn’t mean it’s a cheap option. However, its wide availability and quick turnaround could make it useful if you live in a state where short-term lending is usually illegal. Just be sure you understand how tribal lending works before you borrow.
LoanAtLast’s customer service team is available weekdays from 7 a.m. to 7 p.m. CT and Saturdays from 8 a.m. to 4:30 p.m. CT.
Because LoanAtLast is run by a sovereign tribe, you can’t file a complaint with your state. Instead, you’ll need to notify the Tribal Regulatory Authority of the issue. LoanAtLast suggests reaching out to customer service first, as it claims many problems are resolved without involving the Tribal Regulatory Authority.
LoanAtLast is wholly owned and operated by a sovereign tribe. This means it isn’t required to follow any state or federal laws when it comes to usury caps — the amount a lender can charge in interest. Because of this, LoanAtLast and other tribal lenders are able to charge high interest rates and fees that can add hundreds of dollars to the cost of your loan.
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