This is an expensive form of credit. RadiantCash loans are designed to help you meet your short-term 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, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Refinancing may be available and is not automatic. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement or the Loan Cost & Terms. If you do not make a payment on time we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.
* If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against.
* We do not always lend in every state. Our states of operation change frequently, please check back periodically to see if we are doing business in your state. Currently, among some other states, we do not offer RadiantCash Loans to residents in Maryland, Massachusetts, Vermont, West Virginia, Georgia, Connecticut, Minnesota, Wyoming, Utah, New York, Texas, Oregon, Maine, New Hampshire, Montana, Colorado, Wisconsin, Arkansas, Virginia, Pennsylvania and the District of Columbia.
* RadiantCash Loans are offered by Ishwaaswi, LLC dba RadiantCredit. Ishwaaswi, LLC is a Native American owned business created by and for the Lac Du Flambeau Band of Chippewa Indians, a Federally Chartered Sovereign American Indian tribe. RadiantCredit is operated on the Lac Du Flambeau reservation located in Wisconsin.
* Loan applications fully verified and approved by 6pm CT will be funded the next business day Monday - Thursday. Loan applications approved by 6pm CT on Friday will be funded the following Monday so long as the Monday is not a bank holiday.
* As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process. *** For underwriting and verification purposes only, we always obtain prior or separate customer authorization when trying to obtain additional consumer bank account information as a potential payment option.