InboxLoan

Overview

InboxLoan.com offers hardworking consumers a fast, effective way to get access to a little extra cash. With a simple, quick Installment Loan, you can get the money you need to cover life’s little emergencies and unexpected expenses.

With the online Installment Loan services from InboxLoan.com, you can have the cash you need deposited directly to your bank account. Unlike traditional payday loan services, you have the ability to repay the loan over time. In addition, the loan can be prepaid at ANY TIME without any penalty.

The money you receive with a Installment Loan can be used to cover expensive home repair bills, unexpected expenses, family emergencies, medical bills, car repair, bounced checks and all the other surprises life sometimes throws at us.



If you need emergency cash, a InboxLoan.com Installment Loan may be able to help. The advantages include:
You receive pre-approval online
The money deposited directly to your bank account
It’s safe, secure, and confidential
Read more about how our instant approval application works.

If you need cash now to cover an emergency or unexpected expense or you have more questions about our services, please Contact Us any time to speak with a customer service representative.



Loan Features

Borrow from this tribal lender offering up to $1,500 for first-timers. There are times when you need to borrow more than what payday lenders typically offer — or you need more than a couple of weeks to pay the money back.

InboxLoan is a tribal lender offering unsecured installment loans that range from $200 to $1,500 for first-time borrowers with month-to-month repayments, rather than a large lump sum on your paydate. An Installment Loan is a loan that gets paid back according to a fixed payment schedule. This means you pay a certain amount each month. Each payment you make covers interest and fees accrued. After a certain number of payments, principal (original debt) is reduced little by little. Inbox Loan’s Installment Loans give you the flexibility to pay over time instead of paying back everything that’s owed at once. In addition, the loan can be paid back at any time without ANY prepayment penalty.

Application Process

The application process is fast and easy and is generally completed in minutes. There is usually no need to fax any documents or meet with a lending agent in person. The fast cash application is complete in-full online. One of our customer service representatives will help you complete the loan process prior to funding the loan which will include verification of your information.

To get approved you will need:
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 least 21 years old

InboxLoan.com understands that you may have had credit troubles in the past. Our loans are meant to service a wide-range of borrowers regardless of past problems with credit. Our goal is to help borrowers get the money they need, especially when others lenders won’t. We are here for you.

Repayment Terms

Online Installment loans from InboxLoan.com offer you a way to get the cash you need to cover life’s little emergencies without the harsh repayment terms of a traditional payday loan. Unlike traditional payday loans that expect you to pay everything back plus finance charges and interest in one lump sum payment, our fast cash installment loans let you pay back what you owe with fixed payments over time.

Loan Agreement

Prior to loan closing and funding, you will be provided with a loan agreement specific to your loan which will include a schedule of payments, APR and other terms.

Loan Amounts
Minimum Loan Amount: $200
Maximum Loan Amount for First-Time Borrowers: $1,500
Maximum Loan Amount for Returning Customers: $5,000

Fee Summary
The finance charge applied to your loan will be clearly disclosed, both in terms of dollar amount of interest and APR (annual interest) on your loan agreement. We provide accurate and comprehensive fee disclosures on your loan agreement in accordance with the Federal Truth in Lending Law and other regulations. Late fees, NSF (non-sufficient funds) fees, and returned items fees may also be applied and are detailed in your loan agreement.

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 you loan.

The sample amortization table below assumes a semi-monthly payment schedule, a $500 loan amount, and 15 days from the 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 pay date frequency, your loan amount, your choice on the wire option, the date of the loan and whether or not you choose to prepay the loan or are ever late. Prior to loan closing and funding, you will be provided with a schedule of payments based upon your specific loan. APR and other terms will also be provided to you prior to loan closing and funding. Disclosures will be made according to federal truth-in-lending guidelines.

Sample Rate Chart
Loan Amount $500.00
Number of Payments 24
Total Finance Fees $3,404.55
Total Principal Payments $500.00
Total Payments $3,904.55.11
Annual Percentage Rate 780%

Customer Support

Mailing Address:
Inbox Loan
PO Box 881
Santa Rosa, CA 95402

P: 1-800-930-9066
E: loan@inboxloan.com
F: 707-239-8000

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