Monday Sunday 7AM – 10PM CST
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Monday Sunday 7AM – 10PM CST
Installment loans from Night Winds Lending LLC offer you a way to get the funds 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 installment loans let you pay back what you owe in fixed payments over a convenient time span.
Prior to loan closing and funding, you will be provided with a loan agreement specific to your loan, which will include a payment schedule, Annual Percentage Rate (APR) and other terms.
Your loan details including the terms and conditions of credit, finance charges, and Annual Percentage Rate (APR) will be fully disclosed to you in your loan agreement. Contact us today to see if you qualify for one of our loans. We can assist you and present a range of payment options for which you may qualify.
Our Company adheres to all tribal and federal laws and regulations that apply to short term and online personal lending. Our company does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of an applicant's income derives from any public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Please note: This is an expensive form of borrowing. These loans carry a high cost and are designed to assist you in meeting your short-term financial needs and are not intended to be a long-term financial solution.
The finance charge applied to your loan will be clearly disclosed on your loan agreement. We provide accurate and comprehensive fee disclosures on your loan agreement in accordance with the Federal Truth in Lending Act 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.
Your first payment is due on your following pay date. If that day happens to fall on a weekend or holiday, the payment will be due on either the next business day prior to or the business date immediately following. The details will be specified in your loan agreement.
If you need to change your payment schedule for any reason, you must notify Night Winds Lending at least three (3) business days prior to the next payment date you are scheduled to make.
You will be sent reminders via email outlining your due date options prior to the due date.
Loan Applications processed and approved by 2:00 PM CST of any business day will be funded the same day; Loan Applications approved and processed after 2:00 PM CST 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.
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.
There are no penalties for paying your loan off early. In fact, Night Winds Lending LLC encourages customers to pay off their loan as quickly as possible to reduce the total finance charges.
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. In addition, 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 a part of the application process for underwriting and verification purposes only. We always obtain prior separate customer authorization when trying to obtain additional customer bank account information as a potential payment option.
For more details about this service and other terms of your loan, please refer to our Terms of Use . We do not lend in every state. The states in which we operate may change. Please check back periodically to see if we are doing business in your state. If you have any questions about Night Winds Lending LLC, contact us or check out our Loan FAQ for further information. Our hours of operation are 7AM CST – 10PM CST, Monday – Sunday. However, you can always email us at support@nightwindslending.com.
At Night Winds Lending LLC, the customer is our priority! Our team is dedicated to treating each customer with the utmost respect and courtesy. Whether you are a past, current, or future customer, never hesitate to reach out to us with questions or concerns.
Night Winds Lending LLC is committed to ensuring our customers clearly understand our installment loan rates and terms.
It is your right to cancel your loan. No strings attached. Cancel your loan within 24 hours after the Disbursement Date and we will set up a draft to reverse the loan proceeds.
We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt.
Loan Applications processed and approved by 2:00 PM CST of any business day will be funded the same day; Loan Applications approved and processed after 2:00 PM CST 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.
Night Winds Lending LLC is a commercial enterprise and instrumentality of the Menominee Indian 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 Tribes’ reservation. Night Winds Lending operates pursuant to the law of the Tribe. Loans from Night Winds Lending LLC are governed by federal law and the law 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 borrowing. Night Winds Lending LLC installment loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. 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. Failure to repay your loan obligations when due may result in additional fees and collection activities as described in your loan agreement and as allowed by applicable Tribal and federal law.
The Menominee Indian Tribe of Wisconsin, a federally recognized Indian Tribe, does not allow access or accept applications for this service from residents of all locations, and the service may or may not be available at your location, and does not constitute an offer or solicitation for consumer loans in a state. The location from which the Tribe chooses to allow access to its jurisdiction may change from time to time without notice. If you choose to visit the Tribe’s jurisdiction through the internet and access services offered and regulated under the Tribe’s laws, you must consent to the Tribe’s jurisdiction and agree that Tribal law governs such services. Availability of loans are subject to change at any time at the sole discretion of Night Winds Lending LLC.
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