Why CreditCube
Why People Choose Us
Borrow at your own terms
Our Flex-pay product allows you to pay back your loan at any time with no early payment penalties.
Rates that go down over time
Apply for bigger loans with lower fees as your CreditCube Status improves**
More Personal
We treat our customers like family. Our dedicated customer support team are here to assist you anytime.
What are short term loans?
These loans fit scenarios that require a quick short-term solution. Short-term loans are loans that are repaid with interest over a limited period of time, as little as one month. There are several different types of short-term loans. The type of loans we offer at CreditCube are known as installment loans.
There are many different kinds of fast, short-term online loans available to the public but for the consumer, installment loans make the most sense
Maybe you had some unexpended expenses this past month that your salary alone couldn’t cover. Perhaps you have a savings account but it’s tied up in a time-deposit account, or is being held in exchange for free checking. Or you’ve already taken out the maximum you’re allowed for an overdraft loan or you’ve reached your credit card ceiling and need just a little bit more cash to make ends meet until your next paycheck.CreditCube installment loans provide a number of important benefits:
Installment loans do not necessarily affect your credit rating. You might need a clean credit rating if you plan to borrow later on from a bank or take out a mortgage. If your credit rating is already bad, you’ll need time to rehabilitate it and, until then many other loan types may not be available to you. CreditCube installment loans, in contrast, do not affect your credit rating.
CreditCube sets the highest standards for itself in providing you with premium customer service. Contact our loan specialists today and see for yourself. We provide quick and friendly service with no hidden fees and charges. We even go the extra mile to provide you with flexible repayment terms that best meet your particular budget.
CreditCube online loans are fast loans. It’s really simple and takes only a few minutes to apply. And because premium service is something we provide and something you expect, we usually process your application the same business day.
Unlike some installment loans offered by other lenders, CreditCube online loans do not carry any pre-payment penalties. That means that should you want to repay the remainder on your loan before the agreed-upon date, you’re free to do so with no penalty whatsoever. In fact, we actually encourage our customers to pay their loan off early and save up on interest.
Returning customers can take advantage of our Loyalty Program. Joining is absolutely free of charge and you gain loyalty points for every successful payment you make. As you accumulate more points you move up the CreditCube ranks to a higher Loyalty Program category. Each time you do, you will be entitled to an extended line of credit at a lower interest rate.
Apply for a loan NOW!
Applying does NOT affect your FICO® Score!
What about Other Short-Term Loans?
Carefully compare and contrast their payment schedule with the one we will offer to you.
Payday loans will require you to repay them in full when you receive your next pay slip.
Auto title loans will carry a more reasonable interest rate, but if you don’t pay it back when it comes due you might risk losing your car.
The terms for overdraft loans may sound reasonable at first, but they are not always available to every consumer and their fees could rack up to a substantial amount if they are not addressed quickly.
How Not to Borrow Money
Protect Your Credit Rating
If and when you choose one of those routes to tackle your debt and miss a payment or fail in any other way to pay back the loan on schedule, you stand to inadvertently jeopardize your credit rating. A credit rating (or FICO score) is the financial community’s professional evaluation of the risk you present in paying back debt. Your credit rating is used by banks, mortgage firms, landlords and credit card companies (among others) to forecast the likelihood you will default on a future payment. If your credit rating is good, they will, in all likelihood, approve a later request for a loan or a mortgage. If it is not good, they might decline to do so. This alone is reason enough to stay away from a loan whose terms are not tailored to your exact needs.
Do You Really Want to Pay up to Seven Times in Overdraft Fees and Penalties?
Are you in overdraft? If you’ve heard it once you’ve heard it a thousand times. Avoid bank overdraft. Take out overdraft protection, assuming you qualify. To do so, you must first apply to your bank, but a client with an unsteady credit rating can (and usually is) rejected. Your bank may offer you to guarantee your overdraft by linking it to a savings account (assuming you have one to use as collateral).That is understandable, but it may eventually require you to liquidate whatever hard-earned savings you have. The fees you’ll pay on your overdraft, moreover, are no bargain either.
Do You Really Want to Take a Payday Loan to Address Your Short-Term Financial Needs?
A payday loan is, in essence, a cash advance. The most basic type requires you to pay it back in full on your next payday, allowing you very little repayment flexibility. That product, however, merely re-schedules your financial problem to a later date, when, in addition to repaying the loan in full, you’ll also have to pay exorbitant fees on it.
Apply for a loan NOW!
Applying does NOT affect your FICO® Score!
The Preferred Way to Borrow Money
CreditCube Internet Loans
It’s simple to apply for a CreditCube internet loan, and it only takes a few minutes. Just fill out the online form. We provide fast, same day approvals with premium custom care from start to finish. Our credit professionals will quickly evaluate your application and usually respond on the same business day.
The Benefits of Borrowing from CreditCube
CreditCube installment loans are flexible and are designed with you in mind so you can meet your repayment schedule based on your financial need and ability to repay.
Our customer care professionals are here to help you whenever you need them. We are committed to provide the best possible service to all of our loyal customers.
There are no prepayment penalties for an early payoff of your loan. In fact, we actually encourage you to pay off early and save on interest.
CreditCube is a Direct Lender in all states in which we operate. This means that you won’t work with any type of middleman. Instead, you work directly with us, from application to repayment.
And best of all, our CreditCube Loyalty Program rewards you with a lower interest rate and a higher loan amount every time you re-apply for a new loan as a returning CreditCube customer!
Apply for a loan NOW!
Applying does NOT affect your FICO® Score!
Have questions?
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Get your money today
Apply for a loan NOW!
Applying does NOT affect your FICO® Score!
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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. Any Agreement entered into as a result of this Application shall be governed by applicable Tribal and federal law. Each aspect of communication and transaction with/on this site will be deemed to have occurred in CreditCube’s Big Valley Band of Pomo Indian Reservation offices, regardless of the location where you are accessing or viewing this site.
⚠ Please note: This is an expensive form of borrowing. CreditCube loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution! Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses.
* Loan approvals are subject to underwriting. Approval may take longer if additional verification documents are requested. Not all loan requests are approved. CreditCube reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a Loan. We verify applicant information through national databases including, but not limited to, Clarity Services, Inc., a credit reporting agency, and we may pull your credit in order to determine your eligibility and ability to repay.
** Maximum loan amount is $500 for first-time customers. For returning CreditCube customers, rates may go down over time based on your CreditCube Loyalty Program status and your payment history with us. Please see our Loyalty Program page for more information.
*** Loan Applications processed and approved before 3pm EST Monday-Friday are typically funded on the next business day. Example: If your loan is processed and approved on Friday before 3pm EST, the loan will typically be funded on the following Monday. Deposit times may vary depending on your bank. Business Day means Monday through Friday excluding all federal banking holidays.
CreditCube does not lend to residents of Pennsylvania, Connecticut, Minnesota, New York, Vermont, Virginia, West Virginia and Georgia. Availability of installment loans in your state is subject to change at any time with or without notice at the sole discretion of CreditCube.