Cash Loans to help you along your journey

Get up to $1000

(Max. loan amount for first time customers is $500)

We’ll speed your funds to you with these 3 easy steps:

Step 1

Start a simple 5 minute application. It’s fast, free and confidential.

Step 2

Quick answers. No waiting, no guessing. Approval in minutes.

Step 3

Cash when you need it. If approved, you’ll have your loan funds available as early as next business day.

Who we help:

Access the cash you need…FAST

Increasing bank fees and regulations have limited your access to capital. Over 50 million Americans are “under banked”.

If you have low or poor credit, we can help.


Redwood Coast Finance

Redwood Coast Finance is a wholly owned economic arm and instrumentality of the Kashia Band of Pomo Indians of the Stewarts Point Rancheria, a sovereign Indian nation located in the United States. Redwood Coast Finance abides by the principles of federal consumer finance laws, as reflected in the laws of the Tribe. All transactions through this site will be deemed to have taken place within the jurisdiction of the Kashia Band of Pomo Indians, regardless of your location when you are accessing this site. 

Redwood Coast Finance does not lend to residents of Arizona, Connecticut, Georgia, Minnesota, New York, New Mexico, North Carolina, South Dakota, Utah, Virginia, Vermont and West Virginia. Availability of installment loans are subject to change at any time at the sole discretion of Redwood Coast Finance.

 

Not all loan applications are approved. Due to verification requirements, not all applicants for an online loan may be eligible for a loan. 

Many of our customers applying for a loan will be required to submit supporting documentation due to additional qualification criteria. 

You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases including, but not limited to, DataX, Clarity or FactorTrust and we may pull your credit in order to determine your eligibility and ability to repay.

 

HOW IT WORKS

 

Apply for a loan directly on our website in minutes

 

You will need:

- Your Driver's License Number

- Your Checking Account Number

- Your Routing (ABA) Number

- Your Debit Card Number

INSTANT DECISION

 

 

In just a few minutes, you will find out if your loan application has been approved, and how much credit is available to you.

 

 

Sign your loan documents

 

 

Read and review your loan documents, and E-Sign the documents to ensure that you have read and understand the terms of your loan.

 

GET YOUR MONEY IN YOUR BANK ACCOUNT      

 

 

Receive the funds in your bank account by next day. In some cases, funds can be received same day. Please contact our Customer Support Team at 800-674-5664 to find out how.

  

PAY BAck your loan in installments

 

 

You will repay the loan in installments based on your agreed upon loan payment schedule. You can prepay your loan at any time, without penalty.

 

 

 

RATES

As a general rule, you should request the lowest amount that you need immediately and make every attempt to pay back your loan as quickly as possible. Both the speed at which online loans are processed and the chance that lenders take by approving "risky" borrowers tend to add up to higher than average finance fees charged. 

Annual Percentage Rate 

The annual percentage rate or APR is a calculation of the fees of a loan in relation to the amount of money being borrowed. It is intended to allow consumers to more easily compare the costs of borrowing when comparing different loan types, amounts, and terms. The number reflects the cost of obtaining a loan on a yearly or annual basis. 

The annual percentage rate or APR varies depending on the terms of your loan as well as your payment history. It is important to note that these loans are not intended to be used as a long-term financial solution or to supplement limited income. These loans can offer emergency relief if you are short on money and need funds to cover an urgent expense until you receive your next paycheck. 

APR will always be disclosed before the loan is finalized so that customers can make an informed decision.

KEEP IN MIND

 Paying back quickly gives you the best rate. Any loan can be costly if you let the balance roll over without paying it off as soon as possible. Request a dollar loan amount that you will be able to pay back quickly.

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Redwood Coast Finance is ready to serve you.

Apply Now!

PRIVACY POLICY

Facts: What does Redwood Coast Finance do with Your personal information? 

Why? Financial companies choose how they share Your personal information. Consumers have the right to limit some but not all sharing. This notice tells You how We collect, share, and protect Your personal information. Please read this notice carefully to understand what We do. 

What? The types of personal information We collect and share depend on the product or service You have with Us. This information can include: 

        - Social Security number and checking account information 

        - Payment history and income 

        - Employment information and wire transfer instructions 

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, We list the reasons financial companies can share their customers personal information; the reason Redwood Coast Finance chooses to share; and whether You can limit this sharing.

Reasons We can share Your personal information Do We Share? Can You Limit This Sharing?
For Our everyday business purposes - such as to process Your transactions, maintain Your account(s), respond to court orders and legal investigations, or report to credit bureaus. YES NO
For Our marketing purposes to offer Our products and services to You YES NO
For joint marketing with other financial companies NO WE DO NOT SHARE
For Our affiliates everyday business purposes information about Your transactions and experiences YES NO
For Our affiliates everyday business purposes information about Your creditworthiness YES YES
For Our non-affiliates to market to You YES YES
To Limit Our Sharing

- Call (800) 384-1547

- Visit us on the web at www.RedwoodCoastFinance.com

- Contact us via email at cs@RedwoodCoastFinance.com. Please note: If you are a new customer, we can begin sharing your information 30 days from the date you sign the Loan Agreement. When you are no longer our customer, we can share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call (800) 384-1547 or go to www.RedwoodCoastFinance.com


Who We are:
Who is providing this notice?

Redwood Coast Finance, a subsidiary of Kashia Services, a wholly owned economic arm and instrumentality of the Kashia Band of Pomo Indians of the Stewarts Point Rancheria, is providing this privacy policy.                                                      


What We do:
How does Redwood Coast Financial protect my personal information?

To protect Your personal information from unauthorized access and use, We use security measures. These measures include computer safeguards and secured files and buildings.

How does Redwood Coast Financial collect my personal information?

We collect Your personal information, for example, when You

- Apply for a loan

- Give Us Your income information

- Tell Us where to send the money

- Provide account information Provide employment information

We also collect Your personal information from others, such as credit bureaus, affiliates or other companies.

Why can't I limit all sharing?

You have the right to limit only

- Sharing for affiliates' everyday business purposes ­ information about Your creditworthiness

- Affiliates from using Your information to market to You

- Sharing for nonaffiliates to market to You

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on Your account.


Definitions:
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

- Our affiliates include other business entities of the Tribe.

Non-affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

- Our affiliates include other business entities of the Tribe.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to You.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Redwood Coast Finance does not jointly market.


Our policy about obtaining and disclosing information may change from time to time. Material changes to this Privacy Policy will be posted here and are deemed effective upon posting and without additional notice to you.

OUR SECURITY PROCEDURES.

Security is extremely important to us. Our website uses 2048 bit Secure Socket Layer (SSL) encryption to prevent unauthorized access. Virus protection programs run 24 hours a day/7days a week as a safeguard to prevent computer viruses from gaining access to the network. As additional measures of security, we implement firewalls and other network protection software.

Please contact our Customer Support specialists immediately at (800) 384-1547 or www.RedwoodCoastFinance.com:

  • -If you suspect that your account has been wrongly debited by Redwood Coast Finance.
  • -If you suspect a party other than Redwood Coast Finance has been attempting to contact you regarding your loan.
  • -If someone is demanding payment in an aggressive manner.

Your security and peace of mind is our top priority. However, combating fraud is everyone’s responsibility. Here are some links to learn more about protecting your personal information and preventing identity theft:

Experian Identity Fraud Protection
https://www.experian.com/protection/identity-theft-and-credit-protection/

FTC Tips on Information Security
consumer.ftc.gov/articles/protect-your-personal-information-and-data

FTC Identity Theft
www.consumer.ftc.gov/features/feature-0014-identity-theft

Information on Obtaining Free Credit Reports
www.annualcreditreport.com

Consumer Reports Guide to Internet Security
www.consumerreports.org/cro/electronics-computers/guide-to-internet-security/index.htm

LEARNING CENTER

Is an online loan the right option for my situation?

An online loan can be a good source of financial assistance when used responsibly. Many people find this type of loan helpful for: 

  • Paying bills on time
  • Helping to cover sudden and urgent expenses, such as medical bills
  • Ensuring that a check does not bounce
  •  
  •  
  •  

If you find yourself in a position where you are consistently having difficulties meeting your financial obligations, then our product is NOT for you.


Helpful Tips

How to Improve Your Credit Score:

Check your credit history: It's important to know your credit history because it gives you an indication of how attractive you are as a potential borrower. Get your credit report and check that it doesn't contain any errors. Mistakes could be negatively affecting your rating, and fixing them is a step towards credit improvement.
Pay down your credit cards: While it's true that servicing student loans, mortgages and other debt can improve your credit score, the highest improvement comes from repaying opened-end loans like credit cards or lines of credit.
Get payment reminders: Do you find that you forget to pay bills by their due dates? Opt for payment reminders in order to avoid this in the future. It may seem trivial, but late payments can have a huge effect on your credit score. Another way to combat forgetfulness is to set up automatic payments, which will ensure that your payments are consistently made on time.
Have a few credit options: It may seem counter intuitive, but using a few different types of credit - a mix of revolving credit and installment loans can actually increase your credit score, as long as they are managed responsibly.

Free Information & Resources

MyMoney.gov
The federal government’s website dedicated to helping Americans understand more about their money — how to save it, invest it, and manage it to meet their personal goals.
USA.gov/money
Learn about taxes, money the government may owe you, investing, credit help, and more. USA.gov is an interagency product administered by USAGov (formerly the Federal Citizen Information Center), a division of the U.S. General Services Administration's Technology Transformation Service.

FAQ

Installment Loan FAQ

The information below provides answers to some of the most frequently asked questions about installment loans. If you cannot find the answer or information you are looking for help, please don't hesitate to contact us at 800-674-5664 or via email at support@RedwoodCoastFinance.com
Is this a "payday" loan? No, this is not a payday loan. Payday loans need to be paid in full on your next pay date. Our loans are installment loans meaning payments are spread out over 6 months. However, we do encourage you to pay off your loan as quickly as possible to save on interest.
What's the catch? There isn't any! If approved, you'll be asked to review and accept the loan terms by electronic signature before we can send the funds. Your finance charge and APR will be fully disclosed to you in your loan agreement. We want you to know every detail of the loan before committing yourself to it.
What if I have bad or no credit? With Redwood Coast Finance, you may be able to qualify for a loan with bad credit, or even no credit at all. To see if you qualify, simply fill out our online application form. Once we verify your personal information and you meet our underwriting requirements, you may be approved for an installment loan in a matter of minutes! There's no risk to you! Apply NOW to see if you qualify.
How much will the loan end up costing? The total cost differs for every loan. Our finance charge is based on your creditworthiness, our proprietary scoring method, the amount you chose to borrow and the length of time you chose to keep your loan outstanding. Your finance charge and APR will be fully disclosed to you in your loan agreement. Apply today to see if you're qualified, speak to one of our loan agents and review your loan agreement for your specific costs. There's no risk in applying! Apply NOW to see what you qualify for.
What do I need to qualify? You must be at least 18 years old (19 in Alabama), have a job or other regular source of income, an active and valid checking account (savings and prepaid accounts are not accepted), and an email address.
What states are currently NOT serviced by Redwood Coast Finance? Arizona, Connecticut, Georgia, Minnesota, New York, New Mexico, North Carolina, South Dakota, Utah, Virginia, Vermont and West Virginia. Availability in any state is subject to change at any time at the sole discretion of Redwood Coast Finance.
Can I get a loan from Redwood Coast Finance if I am a member of the military? Military personnel and their dependents are NOT eligible for a Redwood Coast Finance loan.
How do I know if this loan is a good fit for my situation? This type of loan is NOT a good fit if: -Your intention is to use your loan as a long term solution for your financial needs, -You plan to use your loan to consolidate other debts, -You are not confident that you'll be able to repay your loan by the due date
How is a Redwood Coast Finance loan different from other types of loans? Redwood Coast Finance loans, also referred to as personal loans, or installment loans, are a means for consumers to get quicker access to a relatively small amount of money at a time to help with short-term needs. The loan amount is generally less than a typical bank loan, between $300 and $1,000, and there is a quicker approval process to receive your money. The entire process is handled online and over the phone.
How much money can I borrow? Loan amounts are determined by the information provided on your application and any available payment history.
What is the APR on the loan? The annual percentage rate (APR) varies depending on the terms of your loan as well as your payment history. It is important to note that these loans are not intended to be used as a long-term financial solution or to supplement limited income. These loans can offer emergency relief if you are short on money and need funds to cover an urgent expense until you receive your next paycheck.
How do I apply for a loan? New customers must go to the Apply Now page and fill out our online application. After you press submit you will be notified if your application has been conditionally approved within a few seconds. If you are a returning customer, you can log in to take advantage of our express application.
When will I know if I've been approved? You will receive a notice indicating if you have been conditionally approved for a loan within seconds of submitting your application. If you do not receive this message, please contact Customer Support at Redwood Coast Finance.
Why do you need my bank account information? Redwood Coast Finance requires your banking information in order to deposit your funds directly into your account as soon as the next business day through Automatic Clearing House (ACH).
When and how will I receive my loan? After finalizing your loan, the funds are generally direct deposited into the bank account listed on your application by the next business day.
How do I cancel a loan request? In certain circumstances you may be able to cancel your loan agreement with us without incurring costs or finance charges. To do so, please call us at (800) 384-1547, and provide us written notice of your wish to cancel your loan agreement by email at cs@RedwoodCoastFinance.com.
When are my loan paymens due? All payments will be processed on the due dates as set out in the terms of your loan agreement. If the situation arises that funds will not be available in your account, please contact us three business days prior to the due date at (800) 384-1547. A late fee of any payment not received within 3 business days of its due date will be processed; you may also be subject to additional fees.
What happens if my due date falls on a holiday? By default, our system will take your payment on the business day before a holiday.
How can I view my payment history, access my current balance or make changes to my account? Our Customer Support Team is available at (800) 384-1547 for any inquiries into your balance, payment history or to make changes to your account or loan. You can also Log In to the Member Area of our web site at any time to view loan information. In order to process changes to your next payment, we require at least 3 business day notice prior to your next due date. Please note that Redwood Coast Finance is not able to process change requests online, however you are able to view your current loan agreement online.
How do I update my Redwood Coast Finance account information? Log In to our self-service feature at any time of the day or night to view your loan information. Alternatively, our Customer Support Team can be reached at (800) 384-1547 to update your account information, or you can email us to update non-confidential information at cs@RedwoodCoastFinance.com.
How do I repay my loan? Automatic withdrawal from your checking account using an Automatic Clearing House (ACH) direct debit system each due date. Please be advised that if you don't have enough in your account to cover the full payment amount owed, you will be charged a $25 Refused Instrument Charge. If your payment is not received within 5 calendar days of its due date late, a late fee of $25 will be applied to your account.
How do I contact Redwood Coast Finance? Our Customer Support Team is available Monday to Friday 8AM to 5PM CT and you can reach us at (800) 384-1547, by email at cs@RedwoodCoastFinance.com or through our Contact Us page where you will find additional information.
What if I have a complaint? If you are not completely satisfied with your experience, please let us know. You can contact us by phone at (800) 384-1547, by email at cs@RedwoodCoastFinance.com or by mail at the address below:

Attn Customer Support
Redwood Coast Finance
PO Box 11422
Santa Rosa, CA 95406

Contact Us

We respect and value each customer and will work diligently to resolve any issues or problems you may have with our services. If you have already contacted Customer Service in an attempt to resolve an issue or concern and still need additional assistance, please email Compliance@RedwoodCoastFinance.com.