Application

- You should be at least 18 years old.

- You live in a state we service

- You have an active and valid checking account (Savings and prepaid accounts are not accepted).

- You have a job or a regular proven source of income.

- You have an email address and a verifiable phone number.

You will need a valid checking account that accepts ACH credit and debits. Savings and prepaid accounts are not accepted.

Your results should be available within seconds of submitting your application. We may need to contact you to verify your identity, income and banking information before the loan is approved. In the event we are unable to approve your loan, we'll provide you a reason for denial.

Our loan amounts range from $200 to $5,000 depending on your CreditCube status and payment history with us. First time customers are usually eligible for a $400 loan. Returning customers may apply for bigger loans with lower rates. Please see our Rates & Terms page for more information.

You can login into your account page by clicking the sign in button at the top of the screen. Once logged in, you can find the status of your application and update your information.

Due to the Military Lending Act, CreditCube is not available to applicants listed as Covered Borrowers in the Military Lending Act database.

CreditCube is a Tribal enterprise, wholly owned and operated by the Big Valley Band of Pomo Indians, a federally-recognized American Indian tribe and sovereign government. All communications and/or transactions conducted via creditcube.com will be deemed to have occurred on Tribal land. Your Agreement will be governed by and construed in accordance with the laws of the Big Valley Band of Pomo Indians, and to the extent applicable, federal law. The laws of your state of residence or your physical location will not apply to any agreement you enter into with us. Indian tribes are sovereign nations with the right to enact laws related to commercial activity. Generally, state laws are not applicable to Indian tribes or their business operations and federal laws apply only when specifically authorized by Congress.

Payment Options

Applications processed and approved before 3pm EST are typically funded the next business day subject to your bank.

Yes! We actually encourage our customers to pay off their loans early. There are no prepayment penalties and by paying off early you can reduce the overall cost of your loan, advance your CreditCube status and possibly be eligible for a bigger loan with better terms the next time you apply with us.

If you'd like to pay off your loan in full or partially please contact our customer support at [email protected] or call our office during working hours.

CreditCube does not have any prepayment penalties. We encourage you to pay back your loan early and save on interest!

At CreditCube we want to ensure our customers have the best borrowing experience possible. In case you think you won’t be able to make your payment please contact our team BEFORE your due date at [email protected] or call our office during working hours. Our loan specialists will do everything they can in order to come up with a solution. You may request a courtesy bump to your due date with no additional fee after at least one payment was made towards your loan. This option is available only once per loan.

We want to keep you as a customer so please try and make payments on time. If you think you will not be able to make payments please contact our team at [email protected] or call our office during working hours. Our team will do their best to help resolve this situation in the best way possible.

If you are still unable to repay your loan the following may occur:

  1. You will not be eligible to borrow with us until the debt is settled.
  2. Your account may be forwarded to our collections department.
  3. Further interest and NSF fees may be added to your loan.
  4. Involvement of 3rd party collections agencies.

Remember, working with us is always a better option. Please contact us at any time you are having trouble and we will try and work out a solution together.

Loan Information

You have 3 days from the date you signed your loan agreement to change your mind. If you decide that the loan isn't right for you, simply download and fill our Notice of Cancellation Form and send it over to our customer support team at [email protected] . You will repay the principal and will not be charged any fees or interest.

Please login into your CreditCube account on the top of the screen where you will find a customized dashboard with your loan information.

My Account

Yes you can! You may send your friends a link inviting them to apply for a loan with CreditCube. Assuming your friend gets approved you will be eligible for a discount on your next payment with us. Visit our Refer a Friend page or contact our support team for more information

No worries! We’ll help you set a new password for your security. Here’s how:

  1. Click on the "My Account" button in the upper right corner of our site.
  2. Click on the “Forgot password?” link.
  3. Enter your email and check it for instructions on how to reset your password.

All of your information is protected on our secure servers, we are using Secured Sockets Layer (SSL) based transaction at a level of 256-bit encryption.

What states does CreditCube service?

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Applying does NOT affect your FICO® Score!