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2018 © Superior Funding LLC. All rights reserved.

Superior Funding LLC is a tribally-owned entity organized under and governed by the laws of the United Keetoowah Band of Cherokee Indians of Oklahoma, a federally recognized Indian Tribe. Loans from Superior Funding LLC are not available to consumers in Georgia, New York, Vermont, and Oklahoma.

*First time customers, depending on credit review, may receive up to $1,000 on their initial loan. With a good payment history, borrower may request up to $3,000


What is an Installment Loan and How is it Different Than a Payday Loan?

An Installment Loan is a loan with a series of equal repayments made over a certain longer period of time. A payday loan typically is paid back at the next payday. With a payday loan, if you cannot afford to pay back the loan on your next payday, many lenders will allow you to “roll” the loan for another payday period. This indeterminate payback period can become problematic since payday loans accrue interest at a very high interest rate. With an installment loan from Superior Funding, you will make 22 bi-weekly payments over roughly an 11 month period. We have developed this program so as to allow you to best assess the affordability of your monthly obligations and to know that eventually, you will completely pay off your loan in full. We believe that borrowing and payback within 22 biweekly payments allows you to be a responsible borrower. Remember, the Superior Funding loan is NOT a short term loan, but rather an installment loan. Additionally, along with a successful payment history, you may also be eligible for a refinance with an increased credit limit. Please ask your Customer Service representative at 1-888-278-5888 for additional information.

What is required to get an Installment Loan?

Borrowers must be employed full time with a bi-weekly income of at least $700 net (after taxes and deductions) monthly, not have had a bankruptcy within the last 3 years or 2 within the past 10 years, and have an available payroll allotment from which to withdraw your monthly payment from. All applications are subject to verification but not all applications will be approved. Additionally, not all applicants will qualify for the maximum loan amounts available. Your failure to provide requested documentation and information will delay the processing of and may terminate your application.

How much can be borrowed?’

As a first-time applicant, borrowers can receive a maximum loan up to $1,000. After a successful payment history, some customers may get approved for a loan up to $3,000 based on net pay.

What if the borrower has poor credit or has filed bankruptcy?

Poor credit bureau ratings will not affect the approval of an installment loan, however we will not be able to extend a loan for those who have filed for bankruptcy within the past 3 years.

Do you perform a credit bureau check?

We do not use any of the major credit bureaus (Equifax, Experian and Transunion) but we do use alternative data providers for a credit check. Pulling information from these alternative data providers will not affect your credit bureau scores.

How long does it take to get approved?

This depends upon the time of day and how quickly the application process is completed and submitted; borrowers can be approved within a few hours, but verification can take a while longer while we receive documents from you. Please keep in mind that any application submitted during weekends, holidays or after 5PM CST will be processed the following business day.

Can you describe the Superior Loan process?

Applicants begin the process by filling out an online application and submitting the required documents. Once submitted, it is reviewed and prospective borrowers are notified by either phone or email of the status of the application. Once the Superior Funding loan is approved, funds may be deposited in your checking account as quickly as the next business day.

Can you describe the Superior Loan renewal process?

Once you have taken out a loan from us, and upon successfully making 6 on-time payments, you may be eligible to refinance your loan. Refinancing your loan will give you the opportunity to pay off your current loan, extend your term, and may allow you to increase the amount of loan extended. All renewal requests are based at the sole discretion of Superior Funding at the time the request is made.

When would payments be due?

The due date is determined by the borrower’s pay date. A helpful feature of our loan program is that we take the payments automatically without you having to remember to pay your loan. However, if at any time you have a discrepancy with your due date we encourage you to contact us to discuss the matter by calling our Customer Service Department  at 1-888-278-5888.

What happens if a payment is not made on or by the due date?

If a monthly loan payment is not paid within 3 days of our due date, a $25 insufficient funds fee will be collected along with the next debit attempt.

Customers who are unable to make payments by the due date should immediately contact the Customer Service Department at 1-888-278-5888 so as to work out other arrangements. Any customer that fails to contact us to make other arrangements, will be sent to our Collections Department.

Do applicants need access to a fax machine?

In the vast majority of cases no faxing is required in order to get approved! In some cases, if more information is needed, faxing may be the best way to send it. We will attempt to contact the customer by phone or email when more information is needed. Clients are required to physically sign their loan agreement and send back to us so faxing may be necessary.

Is my loan secure and kept confidential?

Every Superior Funding loan transaction and customer information is completely confidential and protected


How much does a Superior Funding loan cost?

Please visit our RATES Page for details on the rate you can expect to pay.

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Copyright © 2018 Superior Funding, LLC. All rights reserved.