Personal Loans

Is a personal loan right for me?

If you need help managing life’s unexpected expenses fast, then you should seriously consider a personal loan from Atoske. With our personal loans, you pay no prepayment fee, no application fee, and you pay only the interest for the amount of time that you keep the loan.

Atoske offers personal loans with no paperwork, no hassle, and no surprises*.

Consider a personal loan for consolidating your debt. Rolling debt into one payment could reduce your minimum payment amount, lower your fees and help make your debt more manageable. No more keeping track of multiple agreements and scattered due dates. One easy payment can be automatically withdrawn from your bank on a set payment schedule that suits your needs.

When shopping around for your best loan options, be sure to do your research. Look for hidden charges and fees in the fine print. Personal loans have a set payment schedule that is coordinated with your pay paydays for your convenience. A personal loan could be your answer to managing life’s little surprises.

The Atoske loan application process is quick, simple, and completely confidential. Automatic withdrawals from your bank on your payday make managing your loan hassle-free. No more worrying about due dates, mailing a check or waiting in line. Your application can be approved in minutes, any time day or night. If you are approved, you will typically get the money in your bank as soon as the next banking day*. Study your options, and make a decision that is right for your situation.

A quick personal loan from Atoske can solve your immediate cash flow problems. Maybe your car broke down and you need it fixed fast. Maybe those books for college cost much more than you anticipated. Emergency medical bills could be piling up. There are many reasons to consider a personal loan, and many options are out there. Make the decision that is right for you, your budget and your credit. Atoske can help you find a personal loan solution to help you manage life’s little surprises.

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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