Online Loans

What is an online loan, and what can it do for me?

An online loan provides convenient, no-hassle access to the cash you need, when you need it. When life’s little surprises catch your bank account off-guard, an online loan can be a great alternative.

Life rarely goes according to plan – it’s unpredictable. We’ve all experienced that sinking feeling we get when unexpected expenses arise from medical emergencies, unexpected home or vehicle repairs, or even the occasional unusually high utility bill. Atoske offers online loans that help people just like you manage life’s inevitable financial surprises. You can apply safely and confidentially online, get an answer in seconds, and get from $500 to $1,000 in your checking account as soon as the next banking day. Atoske goes to extra lengths to ensure an exceptional online loan experience:

NO PENALTIES FOR EARLY PAYMENT.

You can pay off your online loan in installments, or you can pay it off at any time with no penalties. Unlike many financial institutions, we allow and even encourage you to pay off your loan early to reduce your overall interest and finance charges. We charge no fees or penalties for early repayment—you pay interest only for the time that you have the loan.

LOAN PAYMENTS ARE DUE WHEN YOU GET PAID.

How many times have your bills come due well before your payday? We minimize that frustration by structuring your loan repayment schedule to align with your pay dates. So, if you are paid every two weeks, your loan payments will be due bi-weekly. If you receive a monthly income, your payment will likewise be scheduled once per month.

AUTOMATIC PAYMENTS.

You can enroll in Atoske automatic payments from your checking account, and never have to remember due dates, write checks or worry if your payments made it in time via mail. We’ll even send you a friendly reminder e-mail before each payment due date.

HOW MUCH WILL MY PAYMENTS BE, AND WHAT ABOUT THE REPAYMENT TERMS?

Your payment will depend on your total loan amount, interest rate and repayment schedule (i.e. weekly, bi-weekly, monthly, etc). The loan amount, interest rate and charges associated with your loan are determined by a number of factors such as your credit, factors from your application, and your payment history.

We have developed systems that make managing the repayment of your online loan convenient and affordable. For example, by aligning your loan payment due dates with your pay dates, you should never get stuck trying to make a payment between paychecks. Whether you are paid bi-weekly or monthly, we will establish payment due dates based on your pay dates to make managing your loan repayment schedule hassle-free.

Did we answer your question? If not, call our Customer Support: (866) 420-7157

If you are ready to get started > APPLY NOW

Atoske, LLC is a tribal lender of the Chippewa Cree Tribe operating within the boundaries of the Rocky Boy’s Indian Reservation, Montana, a sovereign nation located within the United States of America. Loans from Atoske are governed by the laws of the Chippewa Cree Tribe, not the law of your resident state. The laws of your resident state may have interest rate limits and other consumer protection provisions that are more favorable. If you wish to have your resident state law apply, you should consider taking a loan from a licensed lender in your state.

This is an expensive form of credit. 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. Before borrowing, please consider whether you will be able to repay any amount you borrow along with the interest charges disclosed to you in your loan agreement. Customers with continued credit difficulties should seek credit counseling.

Refinancing may be available and is not automatic. Refinancing your loan will extend the term of the loan and result in additional interest charges. 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 don't 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. 1First-time Atoske customers typically qualify for an installment loan of $500 to $1,000, with an APR of 299.17% to 373.97%. A $700 loan from Atoske Loans would require 14 bi-weekly installments of $116.63, including $932.70 of interest and an APR of 364.00%. After the 14th successful payment, your loan would be paid in full. Refer to Loan Cost & Terms for additional details.

*In most cases, applications that are received and can be verified prior to 6:00 p.m. Eastern Time (Monday - Friday) will be funded the next business banking day (excluding weekends and bank holidays). Applications received after 6:00 p.m. Eastern Time (Monday - Friday) may require an additional business banking day to fund. In some cases, we may not be able to verify your application information and may