Frequently Asked Questions

First time customers are eligible for a loan up to $3,000, and existing customers who have a good payment history can qualify up to $10,000.

Applicants can apply for a multiple advance installment loan by visiting: http://eastlinelending.com/east-line-lending-form/. You will know if you are approved shortly after applying. Once approved our customer support team will contact you to verify information. Once you sign your loan agreement, funds will be made available to you within the next business day.

Your initial advance and any subsequent advance requested in the first 60 days from the Effective Date may not exceed 50% of your maximum approved amount. If your account remains in good standing for 60 days, you may thereafter request subsequent advances up to 75% of the maximum advance. Accounts in good standing for 120 days may be eligible for subsequent advances up to 100% of the maximum approved amount for the remainder of the advance period. Availability of subsequent advances depend on your payment history and other credit information.
For Example: If your maximum advance amount is $1,000, you may request advances in the first 60 days up to $500, in the next 60 days you can request a subsequent advance of an additional $250 to a maximum of $750, and for the remainder of the advance period up to $1,000. The minimum amount of any subsequent advance is $50.00, and you may only request subsequent advances in $25.00 increments. Subsequent advances may be accessed through our website.

This chart shows you the limits of the advances you may request:

From day 1 to 60: 50% of the credit limit
From day 61 to 120: 75% of the credit limit
From day 121 to 365: 100% of the credit limit

Your account must remain in good standing to be eligible for Subsequent Advances.  Capitalized terms used here have the meaning given to those terms in the Multiple Advance Consumer Loan Agreement.

Eligible applicants must be at least 21 years old, a US citizen, reside in a servicing state, and have an open and active checking account that is in good standing and is set up to receive direct deposits.

The costs for borrowing vary by how much you borrow and how many payments you make. See our Rates and Fees page for more information.

Loan Applications approved and processed by 12:30pm CST of any business day will be funded the same day; Loan Applications approved and processed after 12:30pm CST will be funded by the next business day.

Please note, additional incoming wire service fees may be applied by your bank. It is strongly recommended to verify if your bank will apply those fees, that your account is eligible to receive wire transfers, and when your bank will make those funds available to you.

The most common method of payment is electronic payment scheduled on the payment due dates set forth on the Payment Schedule in your loan agreement. This is the most convenient method as you will not have to worry about ensuring timely delivery of loan payments to us. Alternative payment arrangements may be made as further detailed in your loan agreement.

If you know that you will be unable to make one of your scheduled payments, contact us no later than 3 business days prior to your scheduled payment date.

If you are no longer interested in obtaining a loan through us, you have 24 hours after funds are deposited into your account to reverse the loan. Please contact us as soon as possible so we can guide you through this process.

Your loan repayments will occur on your payroll deposit dates and will occur weekly, bi-weekly, or semi-monthly for one year from the Initial Advance or any Subsequent Advance. Please note, there are no penalties for paying your loan off early. In fact, East Line Lending LLC encourages customers to pay off their loan as quickly as possible to reduce the total finance charges.

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New borrowers can qualify for up to $3,000 and existing customers with a good payment history can qualify for up to $10,000. *Pursuant to § 22-8 of the Menominee Tribal Ordinances, each Advance constitutes a Loan. The maximum allowable amount of each Advance shall not exceed five thousand dollars ($5,000.00) during the Advance Period.

We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt.

Loan Applications approved and processed by 12:30pm EST of any business day will be funded the same day; Loan Applications approved and processed after 12:30pm EST will be funded by 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 Disbursement Date as disclosed herein.

East Line Lending LLC is an economic arm and instrumentality of the Menominee Tribe of Wisconsin, a federally recognized sovereign Indian nation (the “Tribe”) that adheres to federal consumer finance laws and operates within the boundaries of the Tribe's reservation. East Line Lending LLC is chartered under and operates pursuant to Tribal Law. Funds borrowed from East Line Lending LLC are governed by federal law and the laws of the Tribe, not the law of the state where you reside. Nothing in this communication should be construed as a waiver of sovereign immunity, which is expressly reserved.

Please note: This is an expensive form of credit. East Line Lending’s loans are designed to assist you in meeting your short-term borrowing needs and are not intended as a long-term credit or financial solution. Examples of unexpected emergencies for which this credit might be used are: car repair bills, medical care, or essential travel expenses. Appropriate alternatives to East Line Lending’s credit product are: cash advances, personal loans, home equity lines of credit, existing savings, or borrowing from a friend or relative, as such alternatives may be less expensive and a better fit for your financial needs.

The Annual Percentage Rate (“APR”) as applied to your loan will range from 630%-780% 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 Arkansas, Connecticut, Georgia, Massachusetts, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, Vermont, Virginia, West Virginia, Wisconsin, and Washington, D.C. are not eligible for a loan from East Line Lending.

  • Customer Support

  •    support@eastlinelending.com

  •    PO Box 958 Keshena, WI 54135

  •   Toll Free: 866-337-0799
           Tribal Dispute: 833-341-5479
           Fax: 906-373-3032

  • East Line Lending supports efforts to combat fraud in the lending industry. If you believe you have been a victim of fraud, please contact your local law enforcement authority and the Online Lenders Alliance Consumer Hotline at (866) 299-7585.

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