FAQ

An Installment Loan is a loan that is repaid according to a fixed payment schedule. This means you pay a certain amount weekly, biweekly, or semi-monthly, depending on your loan. Each loan repayment you make includes a payment towards applicable principal, interest, and fees. Right Now Loans’ installment loans give you the flexibility to pay over time instead of paying back everything that’s owed at once. In addition, some or all the loan principal can be paid back at any time without ANY prepayment penalty.

Unlike payday loans, installment loans from Right Now Loans offer a flexible payment schedule that allows consumers to pay back their loan in a series of fixed payments.

  • A job or other regular source of income
  • A valid bank account in good standing (prior derogatory actions on your account may not disqualify you)
  • A valid email address and phone number
  • You must be at least 21 years old
  • You must reside in a state in which we offer loans

If this is your first time getting a loan through Right Now Loans, you may qualify to receive up to $1,500. Returning customers that remain in good standing after a certain number of successful payments may qualify for up to $5,000. Not everyone will qualify for the maximum amount available. See Rates for additional information.

If your application is verified and approved, we can electronically deposit your loan proceeds into your account in as little as one business day. Funding times may vary depending on your banking institution’s policies.
Please refer to your consumer loan agreement regarding funding and repayment options & corresponding funding times. RightNowLoans is not responsible for funding delays due to your individual banking institution, acts of God, etc..

Your loan repayments will be due weekly, bi-weekly, or semi-monthly. Please note, there are no penalties for paying your loan off early. In fact, Right Now Loans encourages customers to pay off their loan as quickly as possible to reduce total finance charges.

When it comes to payment, you have several options. Payments can be automatically deducted electronically from the same bank account where your loan was deposited. No hassle, no stamps… we try to make repaying your loans as convenient as possible. If you prefer not to use an electronic payment method, you may pay by cashier’s check or bank check by mailing payment to Right Now Loans, PO Box 4102, Lower Lake, CA 95422. Cashier's checks and bank checks must be received by us no later than on your scheduled due date. Please contact us at  866-660-8743 to speak with a customer service representative with questions about loan repayment.

If you are no longer interested in obtaining a loan through us, you have 24 hours after the Effective Date of your Loan Agreement to cancel the loan with us. Please contact us as soon as possible so we can guide you through this process.

You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt and we may pull your credit in order to determine your eligibility and ability to pay.

Once you fill out an application, one of our customer service representatives will help you complete the loan process, which will include verification of certain personal information prior to final approval and funding of the loan. Loans from Right Now Loans are usually funded by Automated Clearing House (ACH) electronic crediting directly to your bank account. If your loan application is reviewed and approved after 2:00 PM CST, loan funds will usually be available the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” may extend the time for the deposit and may cause a change in the time that you receive your loan proceeds.

Right Now Loans Lending ( “Right Now Loans”) is a subsidiary of SBR Enterprises, a wholly owned economic arm and instrumentality of a Native American entity formed under the laws of and operated by the Elem Indian Colony of Pomo Indians (the “Tribe”), a federally recognized sovereign American Indian Tribe located within the United States. Right Now Loans abides by all applicable federal laws and the laws and lending codes enacted by the Tribe’s federally recognized sovereign government. As a wholly owned tribal entity, Right Now Loans is licensed by the Elem Indian Colony of Pomo Indian’s Tribal Consumer Finance Department.

Please note: This is a very expensive form of borrowing. Right Now Loans Installment Loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Right Now Loans never charges any prepayment penalties. Prompt repayment of your loan will reduce the overall cost associated with borrowing and is strongly recommended by Right Now Loans.

The Annual Percentage Rate (“APR”) as applied to your loan will range from 615-859% depending on your payment schedule, pay frequency, loan term, and the amount of your loan. Non- payment may result in additional fees and collection activities as described in your loan agreement and as allowed by Tribal and applicable federal law.

Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Alabama, Arkansas, Connecticut, Florida, Georgia, Illinois, Maryland, Massachusetts, Minnesota, New York, North Carolina, Pennsylvania, South Carolina, Vermont, Virginia, West Virginia are not eligible to receive a loan from Right Now Loans.

  • CUSTOMER SUPPORT

  •    support@rightnowloan.com

  •    PO Box 4102 Clearlake, CA 95422

  •   Toll Free: 1-866-660-8743
           Tribal Dispute: 1-866-399-8594

  •   Fax: 1-707-361-0507

  • Contact Us

  • If you have questions regarding our loan programs, the terms of our loan agreements or payment plans; or just need more information, please do not hesitate to contact us any time, day or night. A Right Now Loans customer service representative will be happy to assist you.