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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Ascend Loans's account


How to register an account

To register an account on the company's website, you need to be its customer. First, apply for the loan and proceed to the "My Account" tab on the main page. Click it so that you will be redirected to the login page. Use the username or email the company has provided you. It is typically an email you have typed in your application. If you are a new user, the company requests you to paste the last four numbers of your Social Security number as your password. Click Sign in.

How to reset a password

You can reset your password on the website if you have forgotten or lost it. Click My Account: you will be redirected to the signing page. Click the "Forgot Password?" link. Provide your username or email, and click Submit. The company will send you instructions on creating a new password.

How to delete an account

To delete an account, you need to contact customer service and request the company to close your obligations. This means you won't be a customer of Ascend Loans anymore. To be able to close your account, you need to pay off your debts.

Personal account features

A personal account is necessary because the company only issues the loans online - you can't do it in-store. Therefore, your interactions with the company and your loan accessibility will be determined by the account you register on the website.

Through your personal account on the website, you can:

  • Manage your loan

  • Schedule your payments

  • Close your account

  • Check your balance

  • Make additional payments

  • Review your agreement.


Can I pay to Ascend online?

Yes, you can schedule your payment through your account on the website. You can opt for paying early or making additional payments anytime. Your money is to be transferred through the ACH system.

Do I need to visit the in-store of Ascend to get a loan?

No, you don't need to visit in-store. The whole process is done online.

Calculate loan payments in Ascend Loans

Ascend Loans calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

300 $
1000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Ascend Loans

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Ascend Loans and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Ascend Loans’s reviews by October 2022
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