You Are Unique

You Are Unique

Community Credit Line is an exclusive, invitation-only lender. We do not lend to everyone. If you were contacted by us, it’s because you have demonstrated your character through having a positive repayment history and we would love to serve as your lender of choice! We already serve an amazing group of clients and we’d love to add YOU to that group!
You Are Unique

You Are Valuable

Because we know that you have other options available to you, we truly value the opportunity that we have to get to know you and provide the exceptional service we feel you deserve. To us, you aren’t just another name on an account; you’re a person we care about and appreciate.
You Are Unique

You Are Inspiring

Sure, we take care of loans, but we also love to get to know our clients and are often inspired by the things they’ve been through and the integrity they show in their lives. Each time we interact with you, we want you to be able to say that you’re better off as a result. That is our main goal and the motivation behind everything we do each day!
You Are Unique

You Are Enough

We are not in this business for the money. At Community Credit Line, our focus is on the awesome clients we get to serve! Our relationship managers love to know what you’re interested in, what you like to do, and what you’re grateful for. We even try to remember your birthday too!


Community Credit Line is not exclusively about loans; our focus is really on the people we serve. We believe that if we take care of our customers, our customers will take care of us.

In an industry where personal connections are virtually nonexistent, Community Credit Line provides you with a relationship manager who is responsible for handling all aspects of your account. Aside from making sure our clients get the money they need, the main responsibility of our relationship managers is to help our clients remember how amazing they are as individuals. We feel so honored to have the clients we do and we look forward to serving you!


Are you like other short-term lenders that claim to help their clients but in reality treat them like garbage?

a. No! We are the opposite of any other short-term loan lender you’ve ever worked with! If that sounds too good to be true, read through the following questions and answers to see for yourself.

Do you offer a grace period between the time I take out my loan and the first payment due date?

a. Because we understand that funds are often tight, we offer a generous grace period from the time you take out a loan with us until the first payment is due. Our average initial grace period is 23 days.

If I have a payment due and I need a little bit more time, can we work something out?

a. Absolutely. Because we appreciate how conscientious our clients are about being financially responsible, we will always work with you. If your payment due date is approaching and you know you’re going to need another day or two to get your ducks in a row, please don’t hesitate to call us! We will adjust your account and give you an extra 3-business-days grace period to make your payment on time.

Do you charge late fees or return check fees?

a. No! We do not charge any late fees. Nobody loves to have a payment bounce and the last thing we want to do is make things worse. Our goal is to help our clients get back on their feet without slamming them with additional fees.

What happens if I can’t make a payment?

a. No problem! We offer several extensions over the life of a loan and payment plan options as well. We love our clients and want to help you out in any way that we can! If you can’t make a payment, call in and talk with your relationship manager and we’ll be sure to get you taken care of.

If I forego a payment, do you require a double payment to make up what I missed?

a. No. This is why we offer extensions to our clients. There are no late fees and no double payment is required. We understand that things come up and we appreciate our clients’ honesty when they call in to let us know what is going on. Because of your excellent repayment history, we are always willing to work with you.

Have a Question? Contact Us

Please feel free to drop us an email from the form below and
we’ll get back to you as soon as we can.

Contact Information

Phone Number
Contact Email
600 F. Street, Ste 3, #721
Arcata, CA 95521

*Community Credit Line is a tribal lending entity wholly owned by the Big Lagoon Rancheria Band of Yurok and Tolowa Indians of the Big Lagoon Rancheria (“Tribe”), a sovereign nation located within the United States of America and a federally recognized Indian tribe that is created for the benefit of the Tribe and operating pursuant to Tribal law, and is operating within the Tribe’s Reservation. Community Credit Line reviews and approves loans in the Tribe’s offices. Community Credit Line is a licensed tribal lender in compliance with the Tribe’s Consumer Financial Services Regulatory Code, a copy of which can be found here Big Lagoon Rancheria Tribal Consumer Financial Services Regulatory Code. You can contact the Tribe at service@communitycreditline.com or by mail at Community Credit Line, 600 F. Street, Ste 3, #721 Arcata, CA 95521.

Applications processed and approved before 3:45 P.M. MST are typically funded the next business day. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. You may refer to the Loan Cost & Terms section for additional details however complete disclosures of APR, fees and payment terms are provided within the Loan Agreement.

Notice: This is an expensive form of credit. Community Credit Line provides loans which are designed to help you meet your short-term and/or emergency borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for longer-term credit or other financial needs. Alternative forms of credit may be less expensive and more suitable for your financial needs. Alternative sources you could consider include: a credit card cash advance; personal loans; home equity line of credit; existing savings; or borrowing from a friend or relative. Individuals with credit difficulties should seek credit counseling. We encourage clients to pay in full as soon as possible without any pre-payment penalty, doing so will result in cost savings.

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