Rates & Terms
Loans will generally be due on your next payday that falls between 8 to 31 days away.
The total number of payments and APR will vary with each loan based on the amount borrowed and the loan term or time needed to pay-off. Missed payments due to Non-Sufficient Funds or by the decision of your financial institution to dishonor the charge will be subject to a fee of $25 and will be added to any outstanding loan balance after 3 business days. Below are examples of the payment schedule if minimum payments are made until the loan is paid in full. This is an expensive way to pay off a loan and you can greatly reduce the total cost of your loan by paying it off on your first due date or making additional payments. There is no penalty for early payment.
Your full payment schedule will be included in your loan agreement and will include the maximum number of payments you could have and includes payment due dates and amounts.
Annual Percentage Rate
The APR is the cost of your loan expressed as a yearly rate. The above APRs are based on example loan terms of one payment ("Check Amount") due in 8 to 31 days. The APR will increase if the actual loan term is shorter than these examples, and will decrease if your loan term is longer.
For questions or concerns regarding your loan or personal loans in general, you may call our customer service at 855-556-9477.
Sierra Financial, LLC dba Sierra Financial is a tribal lending entity wholly owned by the Iipay Nation of Santa Ysabel, a federally recognized Indian tribe that operates and makes loans within the Tribe's reservation. All loans are subject exclusively to the laws and jurisdiction of the Iipay Nation.
By accessing the website and using the services on this site, you agree to be bound by the terms and conditions ("Terms") below. Please read these Terms carefully. If you do not agree to these Terms, do not access or use this website. All references below to Financial.net include.
Sierra Financial, LLC dba Sierra Financial is a direct lender and will evaluate all loan requests submitted from any of its lead forms. If Sierra Financial, LLC dba Sierra Financial is able to facilitate the loan, the consumer will be directed to Financial.net e-Signature documents. If Financial.net is unable to facilitate the consumer’s loan request they will be directed to Financial.net Loan Matching Service.
Loan Matching Service
Once a consumer submits the application form(s) to Financial.net, Financial.net shares your information with one or more participating lenders. By submitting the application form(s), you understand and agree that you are submitting an inquiry about a loan product to Financial.net and each of the participating lenders to whom Financial.net transmits your loan request. By submitting the application form(s), you are extending an express invitation to Financial.net and each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.
Participating lenders who receive your application information from Financial.net review your information in real-time to determine whether your information meets the lender's loan qualification criteria. Participating lenders may, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Teletrack, DP Bureau or DataX) that tracks consumer transactions with lending institutions. By submitting the application form(s), you agree to allow participating lenders to review, verify, and research your information in such a manner.
Financial.net does not guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating lender. Financial.net does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by participating lenders through the loan matching service are the best terms available in the market.
Financial.net does not endorse or recommend the products of any particular lender.
Financial.net is not an agent of you or any participating lender. Financial.net is not involved with the lender's use and/or review of your application information or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan matching service. You understand that participating lenders may keep your application information, whether or not you are qualified for a loan with them.
Control over Features, Functions, and Access to the Service
reserves the right to change any information, features and/or functions of the loan matching service without prior notice. may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that determines, in its sole discretion, violate these Terms, the rights of or any third party, or is otherwise inappropriate. is not responsible for any errors or delays in providing the loan matching services caused by errors in any of the application information provided by you or by any technical problems beyond our reasonable control.
Disclaimers and Limitations
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Links to Third Parties
This website may contain links to other websites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only does not operate or control in any respect any information, software, products or services available on such third-party sites. ‘s inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Any controversy or claim arising out of or relating to the use of the website, to the goods or services provided by Financial.net, or to any acts or omission for which you may contend .net is liable, including but not limited to any controversy or claim as to arbitrability ("Dispute"), will be settled finally and exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in California and judgment on the arbitration award may be entered into the Federal Court of California. No arbitrator shall have the power to award damages in connection with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues or disputes involved.
THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND Financial.net WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. By using Financial.net's service, you consent to these restrictions.
In the event, the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Financial.net, you agree that jurisdiction over and venue of any suit shall be exclusively in the Federal Court of California. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Bank Secrecy Act / Anti-Money Laundering (BSA/AML Policy)
It is the policy of the lender to prohibit and actively monitor for the prevention of money laundering and any activity that facilitates money laundering or the funding of terrorist and/or criminal activities by complying with all applicable requirements under the Bank Secrecy Act (BSA) and its implementing regulations.
The AML policies, procedures and internal controls are designed to ensure compliance with all applicable BSA regulations rules and will be reviewed and updated on a regular basis to ensure appropriate policies, procedures, and internal controls are in place to account for both changes in regulations and changes in the Sierra Financial, LLC dba Sierra Financial.
Loan payments can be made through various third-party payment processors using any of the following options; ACH bank draft, remotely generated check, or debit/credit card(s) tied to the account in which the loan proceeds were funded.
By providing your cell phone number, you are agreeing to receive promotions from us and our partners on your mobile phone. We do not charge you to participate in this program. Under no circumstances will we be responsible for fees that your wireless carrier or other third parties may charge you for use of the Service.
These Terms constitute the entire agreement between you and Financial.net. These Terms shall be governed by the laws of the Iipay Nation without regard to its conflict of law provisions. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by Financial.net to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Financial.net may amend these Terms at any time by posting the amended terms on its website. All amended terms are automatically effective immediately, upon posting.
Sierra Financial does not provide short-term loan services to those who live in the following states: Arizona, California, Connecticut, Washington DC, Maine, Montana, Ohio, Oregon, Vermont, Virginia, Arkansas, Colorado, Georgia, Massachusetts, Maryland, New Hampshire, New York, Pennsylvania, West Virginia, Kansas, Missouri, North Carolina or New Jersey.
Sierra Financial does not charge any application or origination fees. Missed payments due to non-sufficient funds, incorrect account info, etc, will be subject to a fee of $25. Any payments returned as "unauthorized" will incur a $100 fee. There are no fees for early payment.
You may direct any questions concerning these Terms to:
c/o Sierra Financial, LLC dba Sierra Financial
P.O. Box 647, Santa Ysabel, CA 92070
© 2018 Sierra Financial. All rights reserved. Other product and company names mentioned herein, including the names of participating lenders, may be the trademarks of their respective owners.