Online Installment Loans from Right Now Loans are a very expensive form of borrowing. You can save finance charges by paying off your loan early either in part or in full. Your loan is designed to assist you in meeting your short-term cash needs. It is not a solution for longer term financial problems. Non-profit credit counseling services are available in your community for consumers experiencing financial problems.

Loan Agreement

Please review your specific Loan Terms within your consumer loan agreement.

Loan Amounts
Fee Summary

The finance charge applied to your loan will be clearly disclosed, both in terms of dollar amount of interest and APR (Annual Percentage Rate) on your loan agreement. We provide accurate and comprehensive fee disclosures on your loan agreement in accordance with the Truth in Lending Act and other applicable regulations.

Fee Example

The below table is a sample amortization table for our installment loans, so you can see how rates and interest might be applied to your loan.

The sample amortization table below assumes a bi-weekly payment schedule, a $300 loan amount, and 14 days from the effective date of the loan to the first scheduled due date. Your schedule of payments, number of payments, finance fees, total payments and annual percentage rate may be different depending on several factors including your loan program, your pay date frequency, your loan amount, the date of the loan and whether you choose to prepay the loan. You will be provided with a schedule of payments based upon your specific loan prior to loan approval. APR and other terms will also be provided to you prior to loan approval. Disclosures will be made according to the Truth in Lending Act guidelines.

Sample Installment Loan Schedule


As a wholly owned tribal entity, Right Now Loans is licensed by the Elem Indian Colony of Pomo Indian’s Tribal Consumer Finance Department.

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.


  •    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.