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FAQ

FAQ

Questions? We’ve got answers.

Get clear, straightforward answers about your loan, payments, and account—so you can find what you need fast.

A short-term installment loan is a loan you repay through a set number of scheduled payments over time. Each payment is due at regular intervals, and your total repayment amount and payment schedule are clearly outlined before you accept your offer.

Unlike payday loans, short-term installment loans are repaid over a set period of time through scheduled payments rather than in one lump sum. This structure can provide more flexibility and predictability in managing repayment.

Qualified first-time borrowers may be eligible for up to $2,000. Qualified returning customers may borrow up to $2,500, subject to approval and state regulations.

Interest rates are determined based on factors including, but not limited to credit history, income, existing financial obligations, loan amount, and state regulations. Your exact rate and total cost will always be disclosed before you accept your loan.

Qualifying for a short-term installment loan from Nuvaloan is easier than you might think. If you meet the requirements listed below, it’s more than likely that we’ll be able to get you the funding you need.

  • Receive regular income
  • Are at least 18-years-old and a U.S. citizen
  • Have an active checking account
  • Are not actively serving in the military or a dependent of someone actively serving in the military.

* Other requirements may apply.

Yes. We consider applicants with a range of credit backgrounds, including good credit, challenged credit, or limited credit history. Credit is just one part of the evaluation process, and we review additional factors when determining eligibility.

We review credit information as part of the application process to determine eligibility and loan terms. This review does not involve a hard credit inquiry and does not negatively impact your credit score.

If you choose to accept a loan, information related to your account may be reported as permitted by law.

Once your application has been reviewed, you will receive notification by email with the next steps. If approved, your loan offer and full terms will be provided for your review before you accept.

Applications processed and approved before 6:00 p.m. CST Monday–Friday are typically funded on the next business day. Generally, a business day means Monday through Friday, excluding federal holidays. If you require funds on the current business day, you may request Real-Time Funding* by calling 877-671-5666. If you apply for a loan online through our account portal, Real-Time Funding will be automatically applied if your loan is approved on a weekday after our 6:00 p.m. CST same-day ACH cutoff or anytime on Saturday or Sunday. If Real-Time Funding is not available or your institution cannot process a same-day transaction, we will use the next fastest funding method. *Real-Time Funding Disclaimer: While Real-Time Funding allows for immediate access to your funds, Real-Time Funding may be limited by banking factors and your bank may charge you additional fees. Even if you are eligible, the exact time your funds appear in your account may vary depending on your bank’s processing times. Nuvaloan does not charge a fee for Real-Time Funding. Prior to applying online through our account portal or requesting Real-Time Funding via phone, please consult with your bank, as additional fees or timing restrictions may apply. To ensure your funding is delivered as quickly as possible, look for and respond to your confirmation email in a timely manner, as it contains your username and password. If you don’t see your confirmation email, check your spam folder. If you are still unable to locate the email, call Customer Service at 877-671-5666 for assistance.

If approved and your loan agreement is completed, funds are deposited directly into your active checking account via ACH transfer. Deposit timing may vary depending on your bank.

Your loan agreement includes a payment schedule outlining your due dates and payment amounts. With authorization, payments are typically withdrawn electronically from your checking account on the scheduled dates for your convenience.

You may also make additional payments or pay off your loan early at any time. There are no early payoff penalties, and paying early can reduce the total cost of your loan.

If you prefer, you may submit a cashier’s check or money order to:

First Path Loans dba Nuvaloan
621 Medicine Way #20
Ukiah, CA 95482

If you have questions about your payment options, our Customer Support team is available at 877-671-5666.

Yes. You may make additional payments toward your principal at any time. You can also pay off your loan early with no prepayment penalties. Paying early may reduce the total amount you pay in interest.

A $30 NSF fee may be assessed if a scheduled payment is returned due to insufficient funds or is not honored by your financial institution for any reason.

There are no prepayment penalties. You may pay off your loan early without additional fees.

Your specific payment amounts, due dates, APR, and any applicable fees are clearly disclosed in your loan agreement before you accept your offer. You may review and download your loan documents at any time by logging into your account.

If a scheduled payment is missed, additional fees may apply as outlined in your loan agreement. We encourage you to contact Customer Support as soon as possible so we can review your options and help you get back on track.

The most effective way to lower the total cost of your loan is to pay it off early. You can do this by making additional payments toward your principal or by repaying the full balance ahead of schedule. There are no prepayment penalties.

You may also apply eligible rewards points toward your principal balance to further reduce your total cost.

To make an extra payment, log into your account and select “Payment Options.” If you need assistance, contact Customer Support at 877-671-5666.

You can access your loan documents at any time by logging into your account portal with your username and password. Your agreement and related documents remain available throughout the life of your loan.

If you need assistance accessing your documents, please contact Customer Support at 877-671-5666. We can help guide you through the process or provide copies upon request.

Yes. You can update your payment information by logging into your account portal and selecting the appropriate payment settings. Changes should be made before your scheduled payment date to ensure proper processing.

If you need assistance, contact Customer Support at 877-671-5666.

You have the right to cancel your loan without interest charges until 3:00 p.m. CST on the second business day after your Disbursement Date.

The Disbursement Date is the date funds are sent to your financial institution. This may not be the same date your bank makes the funds available in your account. If you wish to cancel, please contact Customer Support at 877-671-5666 as soon as possible to begin the return process.

If the cancellation deadline has passed, you may still pay off your loan early at any time without prepayment penalties. You will only be responsible for interest accrued up to your payoff date.

Yes. We use secure encryption technology and industry-standard safeguards to protect your personal and financial information. Our systems are designed to meet established physical and digital security standards.

For additional details about how your information is collected, used, and protected, please review our Privacy Policy.

First Path Loans dba Nuvaloan is owned and operated by the Guidiville Rancheria of California, a federally recognized Indian Tribe. Nuvaloan abides by applicable federal laws and regulations as incorporated by the Tribe.

As a tribally owned entity, Nuvaloan operates pursuant to Tribal law and its established lending regulations. Certain state laws may not apply to our products.

All loan terms, rates, and fees are fully disclosed before you accept your loan agreement.