Lender
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East Line Lending Review

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About Lender

East Line Lending LLC serves as the economic branch of the Menominee Indian Tribe of Wisconsin, a federally recognized sovereign Indian nation. As such, the company follows federal consumer finance laws and conducts its operations exclusively within the boundaries of the Tribe's reservation. East Line Lending LLC operates under the provisions of Tribal Law, and all loans provided by the company are governed by federal law and the laws of the Tribe rather than the laws of the state where the borrower resides. Nowadays, East Line Lending operates in Keshena, USA. The Better Business Bureau has not accredited accredit this organization.

East Line Lending is an example of a loan company that offers expensive credit options. This company provides short-term loans, so the borrowers cannot use them as long-term credit.

The borrowers of East Line Lending can use loans of up to $10,000 for unforeseen emergencies, such as car repair, travel, or medical care. 

East Line Lending offers advance installment loans. Thanks to such a loan, the borrower can get the cash to cover their minor emergencies with no strict repayment terms.

Compared with a traditional payday loan, an advance installment loan, provided by East Line Lending, allows the borrower not to pay everything back with interest in one lump sum payment and additional charges but pay back what they owe with fixed payments.

The borrowers of East Line Lending can be sure that their personal data is safe because the company uses a secure encryption system.

East Line Lending

Key Features

  1. Tribal affiliation: East Line Lending LLC is an economic arm of the Menominee Indian Tribe of Wisconsin, which is a federally recognized sovereign Indian nation. This means that the company operates under Tribal Law, and all loans provided by the company are governed by federal law and the laws of the Tribe rather than the laws of the state where the borrower resides.
  2. Online lending platform: East Line Lending LLC offers a simple and convenient online lending platform, making it easy for borrowers to apply for loans from anywhere at any time.
  3. Short-term loans: The company specializes in short-term loans with high-interest rates, with loan terms ranging from one to six months. These loans are typically used for emergency expenses, such as unexpected medical bills or car repairs. In 2022, West Side Lending LLC and East Line Lending LLC have been reported to the Washington State Department of Financial Institutions (DFI) by a consumer from Washington for charging excessive fees and/or interest.
  4. Fast approval: East Line Lending LLC provides fast loan approval, with most loans approved within 24 hours of application.
  5. Credit checks: The company does perform credit checks on loan applicants, but they also consider other factors such as income and employment history when determining loan eligibility.
  6. Responsible lending: East Line Lending LLC is committed to responsible lending practices, and they work to ensure that borrowers understand the terms and conditions of their loans and are able to repay them on time.
  7. Competitive interest rates: The company offers competitive interest rates on its loans, which can vary based on individual creditworthiness and financial circumstances.

Pros and Cons

Pros 

  • Suitable for unforeseen emergencies. The borrowers can use the loans of East Line Lending to cover unexpected expenses.
  • No strict repayment terms for advance installment loans. You can pay back just what you owe with fixed payments.
  • Customer support. You can contact the company's customer support team and receive further assistance if you have questions about the loans.
  • No prepayment penalties. The borrowers can pay their loans early with no penalties.
  • Quick application process. The clients need to spend only a few minutes applying.
  • Personal data safety. The company uses a secure encryption system to protect the borrower's personal data.

Cons

  • Short-term financial solution. The funding of East Lending can not be used for long-term financial solutions such as personal loans.
  • Only available in some states. The list of States where East Line Lending loans are available may change from time to time.
  • Different loan amounts for other customers. The loan amount for existing borrowers differs from that for new customers.

Products

East Line Lending LLC offers short-term loans that are typically used to cover unexpected expenses or emergencies. The loans provided by the company are designed to be repaid within a short period, usually ranging from one to six months.

The loan amounts offered by East Line Lending LLC can vary, depending on the borrower's creditworthiness and financial circumstances. Generally, the loan amounts range from a few hundred to a few thousand dollars.

The loan application process is straightforward, and borrowers can apply online from anywhere at any time. The company performs credit checks on loan applicants, but they also consider other factors such as income and employment history when determining loan eligibility.

The interest rates charged by East Line Lending LLC can vary based on individual creditworthiness and financial circumstances. However, the company offers competitive interest rates that are typically lower than those charged by traditional payday lenders.

East Line Lending LLC also offers flexible repayment options, allowing borrowers to make payments over time. This can help borrowers manage their finances and avoid late fees or penalties.

Overall, East Line Lending LLC provides a reliable and convenient short-term lending service for those in need of financial assistance for unexpected expenses or emergencies.

Reliability

When it comes to the reliability of East Line Lending LLC, there are some mixed reviews and ratings to consider.

On one hand, the company has received a C+ rating from the Better Business Bureau (BBB), which suggests that some customer complaints or issues have not been fully resolved. Additionally, the Washington State Department of Financial Institutions (DFI) has received a complaint from a Washington consumer regarding excessive fees and/or the interest rate being charged by West Side Lending LLC and East Line Lending LLC. This suggests that the company may not always operate with complete transparency when it comes to loan fees and interest rates.

On the other hand, East Line Lending LLC has a relatively high rating of 4.1 stars on Trustpilot, with many positive reviews from satisfied customers. This suggests that the company does provide reliable and convenient lending services to many borrowers.

Overall, East Line Lending LLC may have room for improvement regarding transparency and resolving customer complaints. However, the company has many satisfied customers and offers a convenient lending service that can be a helpful resource for those needing short-term financial assistance. As with any lending company, borrowers should carefully review the terms and conditions of their loans and make sure they understand all fees and charges before agreeing to a loan with East Line Lending LLC or any other lender.

Funding a Loan

If East Line Lending approves and processes loan applications by 12:30 pm CST, you will get your funds on the same business day. But if the borrower's application is processed after 12:30 pm CST, then they will get their funds on the next business day. 

Sometimes East Line Lending approves and processes borrowers' applications by 1:30 pm CST of any business day. Here, the clients get their money on the same day. But if their applications are approved and processed after 1:30 pm CST, the borrowers will get their funds by the next business day.

The borrower should consider that the bank may charge an additional incoming wire service fee. So, they need to check if their bank will apply for such a fee, that their account is eligible to receive wire transfers, and when their bank will transfer funds. 

East Line Lending works from Monday to Friday, 7:00 am to 7:00 pm CST from Monday to Friday.

Loan Conditions

If the customer wants to apply for payday loans provided by East Line Lending, they have to meet some eligibility criteria. Complete and submit an application on the website.  

If you are a new customer, East Line lending allows you to qualify for up to $3,000. But if you are an existing borrower of the company and have a good payment history, then you can qualify for up to $10,000. The minimum loan amount for all customers is $200. 

After you are approved, the East Line Lending customer team representatives will contact you to get further information and verify some personal information.

The funds are transferred within the next business day after signing the loan agreement. The borrower's initial advance and any subsequent advance can be at most 50% of their maximum approved amount.

The subsequent advances will be available to customers depending on their payment history. If the borrowers' accounts are still in good standing for 60 days, they have a right to request subsequent advances up to 75% of the maximum advance. But if your account is in good standing for 120 days, then you can get up to 100% of the maximum approved amount. For example, if the borrower's maximum advance amount is $1,000, they can apply for advances in the first 60 days of up to $500.  

Here are the limits of the advances the borrowers may request:

  • From day 1 to 60: 50% of the credit limit;
  • From day 61 to 120: 75% of the credit limit;
  • From day 121 to 365: 100% of the credit limit.

If the borrower wants to get East Line Lending's loans, their account must be in good standing. The clients who wish to apply for the loans must meet the following eligibility requirements:

  • Be of a majority age in their state;
  • Be US citizens;
  • Be the residents in a servicing state;
  • Have an open and active checking account to receive direct deposits;
  • Meet minimum income requirements;
  • Have a valid phone number and email address.

The borrowing costs usually vary depending on which amount the client borrows and how many payments they make.

The clients should know that sometimes the bank charges additional fees for additional incoming wire services. If the clients no longer need loans provided by East Line Lending, they have 24 hours after funds are deposited into their accounts to reverse their loans. Contact the customer support team to learn more detailed information about this process. Usually, loan repayments occur on the borrower's payroll deposit dates. This process occurs weekly or fortnightly for one year from the Initial Advance or any Subsequent Advance. 

The APR (Annual Percentage Rate) of the loans provided by East Line Lending usually varies from 630% to 780%, depending on the borrower's payment schedule, loan term, loan amount, and the frequency of payments. If the borrowers don't pay off their loans, East Line Lending has a right to charge additional fees or collect the payments according to the loan agreement and Tribal and applicable federal law.

The loans offered by East Line Lending are only available in some states. If you are a resident of such states as South Carolina, New Jersey, New York, Pennsylvania, West Virginia, Arkansas, Connecticut, Florida, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Vermont, North Carolina, Virginia, Wisconsin, District of Columbia, the loans aren't available to you. Such availability changes from time to time without prior notice. So, the borrower needs to check if East Line Lending is doing business in their state. 

The client's loan agreement will contain information such as loan terms and conditions, Truth in Lending Disclosures, including the APR, Finance Charge, Amount Financed, Total Payments, and Schedule of Payments. If the borrowers want to know if they qualify for East Line Lending loans, they need to contact the support service, the representatives of which can help them learn more information about a variety of payment options for which they may qualify.

Electronic payment is the most common method of payment. It is set on the Payment Schedule in the borrower's loan agreement. There are also some alternative payment arrangements, which are usually detailed in the borrower's loan agreement. 

The first payment of the client is due on the following pay date. If it is a weekend or holiday, the payment will be due on either the business day immediately before or immediately following the business date.

The borrower must contact the East Line Lending support team if they can make one of their scheduled payments by 3 business days before their scheduled payment day. Here, the borrowers have a right to change the schedule of payments. 

The customers of East Line Lending can pay their loans off early with no penalties. The company calls upon borrowers to pay off their loans as soon as possible to reduce the total cost of finance charges.

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Spotloan is a lender that provides installment loans, allowing borrowers to pay down the balance gradually with each on-time payment. The loan amounts range from $300 to $1,500, with new and repeat borrowers qualifying for up to $800 and preferred borrowers with 10 or more loans eligible for up to $1,500. Founded in 2012, Spotloan is owned by BlueChip Financial, a tribally-owned entity governed by the Turtle Mountain Band of Chippewa Indians of North Dakota, one of the country's largest federally recognized Indian Tribes.

Spotloan

Big Picture Loans

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Big Picture Loans is a reputable lending institution and a wholly owned subsidiary of Tribal Economic Development Holdings, LLC. This company operates as an economic arm and instrumentality of the Lac Vieux Desert Band of Lake Superior Chippewa Indians, a federally recognized Indian tribe, primarily benefiting the Tribe while adhering to Tribal law. Offering flexible borrowing options, customers can access loans ranging from $200 to $3,500, with repayment terms spanning from 4 to 18 months.

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River Valley Loans

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River Valley Loans offers a financial solution for individuals in need of quick funds to address emergency expenses. With the convenience of same-day installment loans, customers can access up to $3,000, making it easier to handle unexpected financial challenges. Their tribal installment loans provide a simple and fast application process, ensuring borrowers can get the necessary funds without unnecessary delays.

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MaxLend

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MaxLend is a financial service provider that stands out for its ability to promptly deliver up to $3,000 directly to your bank account, ensuring you get the funds you need without delay. As a sovereign enterprise, MaxLend operates as an economic development arm and instrumentality of the Mandan, Hidatsa, and Arikara Nation, which is a federally-recognized sovereign American Indian Tribe.

Maxlend

Lendumo

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Lendumo, operated by Niswi, LLC, dba Lendumo, is a reputable financial service provider that caters to borrowers needing quick and convenient loans. Backed by the Lac du Flambeau Band of Lake Superior Chippewa Indians, Lendumo combines modern financial practices with a commitment to maintaining the cultural heritage of its community. For first-time borrowers, Lendumo extends loan amounts of up to $1,500, providing a helpful solution for unforeseen expenses or emergencies. On the other hand, repeat borrowers can access even larger loan amounts of up to $2,500.

Lendumo

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

FAQ

How Do you Qualify For an East Line Lending Loan?

To qualify for an East Line Lending LLC loan, applicants must meet the following criteria:

  1. Must be at least 18 years old
  2. Must be a U.S. citizen or permanent resident
  3. Must have a valid checking account in their name
  4. Must have a valid email address and phone number
  5. Must have a steady source of income, such as employment or benefits
  6. Must meet minimum credit score requirements and other eligibility criteria, which may vary depending on the loan product.

To apply for an East Line Lending LLC loan, applicants can complete an online application on the company's website or by visiting a physical location. The application typically requires applicants to provide personal information, such as their name, address, social security number, and employment information. East Line Lending verifies applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt. According to the company's website, it does not cooperate with three major credit bureaus (Equifax, TransUnion, and Experian).

Once the application is submitted, East Line Lending LLC will review the application and determine whether the applicant meets the eligibility criteria. If approved, the loan funds will be deposited directly into the borrower's checking account, usually within one business day.

It's important to note that while East Line Lending LLC does perform credit checks on loan applicants, they also consider other factors, such as income and employment history, when determining loan eligibility. This means that even if an applicant has a less-than-perfect credit score, they may still be eligible for an East Line Lending LLC loan.

How Much Can You Borrow From East Line Lending?

If you are a new customer, East Line lending allows you to qualify for up to $3,000. But if you are an existing borrower of the company and have a good payment history, then you can qualify for up to $10,000. The minimum loan amount for all customers is $200.

Does East Line Lending Approve Everyone?

No, East Line Lending LLC does not approve everyone who applies for a loan. To be eligible for an East Line Lending LLC loan, applicants must meet certain eligibility criteria, including having a valid checking account, a steady source of income, and meeting minimum credit score requirements. The company does perform credit checks on loan applicants, but they also consider other factors such as income and employment history when determining loan eligibility. Ultimately, approving or denying a loan application is based on individual creditworthiness and financial circumstances. It's important for borrowers to carefully review the terms and conditions of their loan and ensure they can repay the loan before applying.

Is East Line Lending a Legitimate Company?

Yes, East Line Lending LLC is a legitimate company offering individuals short-term loans. The company is a subsidiary of the Menominee Indian Tribe of Wisconsin, a federally recognized sovereign Indian nation. As such, the company operates under Tribal Law and is governed by federal law and the laws of the Tribe rather than the laws of the state where the borrower resides.

Overall, East Line Lending LLC is a legitimate lending company that provides short-term loans to borrowers who meet the eligibility criteria. However, as with any lending company, borrowers should carefully review the terms and conditions of their loan and ensure they can repay the loan before applying.

Is East Line Lending a good lender?

East Line Lending LLC's reputation is mixed. While the company provides short-term loans and has a simple online application process, it has received customer complaints and negative reviews regarding high fees and interest rates. Additionally, the company has a C+ rating from the Better Business Bureau (BBB). Whether East Line Lending LLC is a good lender or not depends on individual experiences and needs.

Company documents

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We know life can throw many curve balls at you and our loan product can help you along the way.

© East Line Lending
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East Line Lending
Personal Loans
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
$200-$10,000
Rate
i

Interest rate

up to 780%
Term
i

Loan term for the financial product

up to 12 months
Similars products
Finanso
Personal Loans
Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
2000.00 – 100000.00 $
Rate
i

Interest rate

6.34 – 35.89 %
Term
i

Loan term for the financial product

2 months – 5 years
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Rating by Finanso®
i

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.

Recommended FinScore™
0
300
650
1000
100.00 – 4000.00 $
Rating by Finanso®
i

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.

3.93
(20 Ratings)
Recommended FinScore™
0
300
650
1000
450.00 – 12000.00 $
Rate
i

Interest rate

27.50 – 81.29 %
Term
i

Loan term for the financial product

6 months – 3 years
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