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Right Now Loans Review

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About Lender

Right Now Loans is a tribal lender that provides short term installment loans for immediate needs. Owned by SBR Enterprises and managed by the Elem Indian Colony of Pomo Indians, Right Now Loans operates under the Tribe’s jurisdiction and is located in Clearlake, California. Not accredited by the Better Business Bureau. May not be available in all states.

Right Now Loans offers installment loans as an alternative to payday loans. More flexible than payday loans. For short term needs like emergency medical expenses, car repairs or urgent home repairs. However, the costs associated with this type of lending may not make it a long term solution. The structure of these loans is designed to provide funding with a repayment schedule that matches your cash flow. Good for those with immediate financial constraints.

right now loans review

Key Features

  • Fast Cash. Right Now Loans is a quick and easy way for hard working people to get extra cash for unexpected expenses like home repairs, medical bills, car repairs and bounced checks.

  • Safe, Secure, Confidential. The loan application process is designed to protect your personal and financial information.

  • Customer Support. Dedicated customer service reps to answer questions and guide you through the loan process.

  • Credit Verification. Right Now Loans verifies applicant and credit information through national databases including Clarity, Factor Trust and Microbilt. May also pull your credit report to determine your eligibility and ability to repay the loan.

  • Tribal Entity. Right Now Loans is a subsidiary of SBR Enterprises, a wholly owned tribal entity licensed by the Elem Indian Colony of Pomo Indians Tribal Consumer Finance Department. It complies with all applicable federal laws and the laws and lending codes of the Tribe’s federally recognized government.

  • Flexibility. Unlike payday loans, Right Now Loans’ installment loans allow you to pay back the funds in several smaller monthly payments.

    Pros and Cons

    Pros

    • For Unforeseen Emergencies. Borrowers can use the loans for auto repair or medical care.

    • No Strict Repayment Terms. Pay back what you owe with fixed payments.

    • Good Customer Support. Contact the company’s customer support if you have questions about the loans.

    • No Prepayment Penalties. Borrowers can pay their loans early with no penalties.

    Cons

    • Short Term Loans. East Line Lending loans are not a financial solution or long term credit.

    • Not Available in All States. States where East Line Lending loans are available may change at any time.

    • Different Loan Amounts for Different Customers. Loan amount for existing borrowers is different from loan amount for new customers.

    Reliability

    • Ownership and Licensing. Right Now Loans is a subsidiary of SBR Enterprises, a tribal entity licensed by the Elem Indian Colony of Pomo Indians, compliant with the Tribe’s consumer finance regulations and federal laws.

    • Customer Satisfaction Ratings. B rating from the Better Business Bureau (BBB) meaning average response to complaints and moderate reliability.

    • Mixed Reviews. Customer ratings vary. 1.16/5 on BBB and 4.2 on Trustpilot.

    • Tribal Law. As a tribal lender Right Now Loans operates under tribal laws, offering flexibility and structure in short term lending within these laws.

    How to Apply for a Right Now Loans Loan?

    Apply For a Loan

    1. Visit the Website. Go to the official Right Now Loans website.

    2. Enter Loan Information. Provide the loan amount, your name, email address, and your state of residence.

    3. Click Apply Now. Press the "Apply Now" button to proceed with the application process.

    4. Enter Personal Details. Fill in your address, driver’s license information, phone number, date of birth, and Social Security Number (SSN). Then, click "Next."

    5. Provide Income Information. Enter details about your income, including your employer and monthly earnings.

    6. Enter Bank Information. Provide your bank account details to allow funds transfer once approved.

    7. Submit Application. After reviewing all the details, submit your application for processing.

      Conditions and Requirements

      Conditions

      • Loan Amount. Right Now Loans offers loans up to $5,000. First time customers maximum loan amount is $1,500.

      • Variable Interest Rates. Interest rates vary based on credit history and loan amount.

      • Flexible Terms. Repayment terms vary based on loan agreement, some flexibility for different borrowers.

      Requirements

      • Steady Income. Applicants must have a job or another regular income to qualify for a loan.

      • Bank Account. Valid bank account in good standing is required. However prior derogatory activity on your account may not necessarily disqualify you.

      • Contact Info. You must have a valid email and phone number.

      • Age. Applicants must be 18 years or older.

      • State Residency. You must live in a state where Right Now Loans services are available.

      Ways to Recieve the Money

      Right Now Loans disburses approved loan funds directly to the borrower’s bank account. Once approved, funds are deposited via ACH transfer and available to the borrower the next business day, depending on approval and bank processing times. This fast transfer option is for urgent needs so borrowers can get the money for immediate expenses.

      Products

      Right Now Loans offers quick financing to help hard working people with life’s unexpected expenses and emergencies. A Right Now loan has flexible terms based on the borrower’s needs, payment schedule and pay frequency. However, please note that these loans’ APR is high and those are not a long term solution.

      Other Personal Loans

      Reasons for Loan Refusal

      Right Now Loans may decline a loan application for many reasons including insufficient income, high debt to income ratio, poor credit history which means higher risk of default. Other reasons include not meeting the minimum requirements such as age or residency requirements or providing incomplete or inaccurate information during the application process. Applicants from states where Right Now Loans does not operate will be automatically declined due to regulatory restrictions.

      Check Credit Score

      How to Repay a Right Now Loans Loan?

      Repay

      To repay a Right Now Loans loan, borrowers set up automatic electronic payments from their bank account according to the loan’s payment schedule. Payments are withdrawn on the due dates so no manual action is required each month. Borrowers can also make extra payments or pay off the loan early with no prepayment penalty. For any changes to the payment schedule or questions about repayment contact Right Now Loans customer service.

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      OneMain Financial

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      Universal Credit

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      Editorial Opinion

      Right Now Loans offers short term installment loans to those who may not qualify with traditional lenders. As a tribal lender, it operates under the laws of the Elem Indian Colony of Pomo Indians which gives them some flexibility compared to state licensed lenders. While their mixed reviews show both good and bad experiences and response to complaints, Right Now Loans is clear about tribal regulations and offers installment payment options for those looking for an alternative to payday loans.

      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.

      Additional Resources

      Sources

      FAQ

      How do you qualify for a Right Now Loans loan?

      To qualify for a loan from the company, an individual must have a consistent job or another regular source of income, maintain a valid bank account in good standing (previous derogatory actions on their account may not disqualify them), possess a valid email address and phone number, be at least 21 years of age, and reside in a state where the company offers loans.

      How much can you borrow from Right Now Loans?

      Right Now Loans focuses exclusively on offering short-term installment loans, with loan amounts ranging from $200 to $5,000 and high APRs (615-859%).

      Does Right Now Loans approve everyone?

      Right Now Loans does not approve everyone who applies for a loan with them. They have certain eligibility criteria that applicants must meet in order to be considered for a loan, such as having a consistent source of income, a valid bank account, and being at least 18 years of age (or older, depending on the state).

      Moreover, Right Now Loans conducts a credit check to evaluate the creditworthiness of the applicant and assess their ability to repay the loan. While they may consider applicants with less-than-perfect credit, approval for a loan is not guaranteed and is subject to their lending policies and guidelines.

      It is always important to borrow responsibly and only apply for a loan if you are confident that you can meet the repayment obligations.

      Is Right Now Loans a good lender?

      There are several factors that borrowers can consider to determine whether Right Now Loans may be a good lender for them.

      Firstly, borrowers can review the loan terms and conditions carefully, including the interest rates, fees, repayment terms, and other relevant information, to ensure they fully understand the loan product.

      Secondly, borrowers can consider the lender's reputation, including their customer service, online reviews, and customer feedback, to assess the lender's quality of service and reliability.

      Thirdly, borrowers can evaluate their own financial situation and ability to repay the loan to ensure they can meet the repayment obligations without defaulting or falling into further debt.

      Overall, whether Right Now Loans is a good lender for an individual borrower may depend on their circumstances and preferences. Conducting due diligence and making an informed decision before applying for a loan is always important.

      Company documents

      Privacy Policy
      Terms of Use
      Resolving Consumer Disputes
      Rates
      Lending License

      Right Now Loans is a wholly owned, economic development arm of the Tribe. Right Now Loans offers hardworking consumers a fast, effective way to get access to a little extra cash. With a simple, quick installment loan, you can get the money you need to cover life’s little emergencies and unexpected expenses.

      © Right Now Loans
      Offers
      Right Now Loans
      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-$5,000
      Rate
      i

      Interest rate

      up to 859%
      Term
      i

      Loan term for the financial product

      up to 24 months
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      Finanso
      Personal Loans
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      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
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      650
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      2000.00 – 100000.00 $
      Rate
      i

      Interest rate

      6.34 – 35.89 %
      Term
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      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™
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      100.00 – 4000.00 $
      Rating by Finanso®
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      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
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      450.00 – 12000.00 $
      Rate
      i

      Interest rate

      27.50 – 81.29 %
      Term
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      Loan term for the financial product

      6 months – 3 years
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