LOAN COST & TERMS

Typical Fee Schedule

Community Credit Line is committed to finding the best solution for your individual financial need.

Maximum Loan Amount

First time borrowers can borrow up to $300. Each subsequent loan may increase up to $100 as long as the borrower remains in good standing with Community Credit Line. Our maximum loan amount is $500.

Payment Changes

All payment changes must be made by 4:00 PM Mountain Standard Time, three banking days before your scheduled due date.
Short term loans provide the cash needed to meet immediate short-term cash flow problems. They are not a solution for longer term financial issues for which other kinds of financing may be appropriate and affordable. You may want to discuss your financial situation with a nonprofit credit counseling service available in your community to consumers experiencing financial problems.

Loan Amount APR Number of Bi-Weekly Payments Bi-Weekly Payment Amount * Total Due
$100.00 782.14% 7 $30.00 $295.00
$200.00 730.00% 9 $60.00 $650.00
$300.00 684.38% 11 $90.00 $1065.00
$400.00 644.12% 13 $120.00 $1540.00
$500.00 608.33% 15 $150.00 $2075.00

*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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