Material disclosure
IKE Loans Online is a commercial enterprise and instrumentality of a federally recognized sovereign Indian nation (the “Tribe”). The Company is chartered under and operates pursuant to Tribal law. We abide by the principles of applicable federal consumer finance laws, as incorporated by the Tribe, and operate within the interior boundaries of the Tribe’s reservation. Nothing in this communication should be construed as a waiver of sovereign immunity, which is expressly reserved.
Please note: IKE Loans Online is not affiliated in any way with the Cherokee Tribe or with any prior ownership of this domain name. We are an independent Tribal lending entity and operate under our own charter and lending policies.
Loans offered by IKE Loans Online are governed by Tribal law, applicable federal law, and the terms and conditions of your Loan Agreement. Lending is not available to residents of all states. Any offers of credit are subject to underwriting, verification, and approval, and cannot be transferred to another party.
APR Disclosure
Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you.
- APRs for cash advance loans range from 200% to 1386%.
- APRs for installment loans range from 6.63% to 485%.
- APRs for personal loans range from 4.99% to 450%.
Loans from a state without APR caps, or from lenders not governed by state law, may carry even higher APRs. The APR is based on loan amount, cost, term, repayment schedule, and payment timing. Lenders are legally required to disclose APR and loan terms before you execute a Loan Agreement. Rates are subject to change.
Material Disclosure
IKE Loans Online provides access to Tribal loans and acts as an advertising referral service to qualified lenders. Loan amounts may range:
- $100 to $1,000 for cash advance loans,
- up to $5,000 for installment loans,
- up to $35,000 for personal loans.
Not all lenders can provide the maximum amounts, and approval is not guaranteed. This service does not constitute an offer or solicitation in states where such loans are prohibited. We do not charge consumers for this service. Compensation, if any, is paid by participating lenders for advertising services.
We do not control and are not responsible for the actions of lenders. Loan terms—including APR, fees, repayment conditions, renewal policies, and the implications of late or missed payments—are provided directly by your lender. Please contact your lender for details regarding your specific loan.
Submitting your information allows participating lenders to review your application. You are under no obligation to apply for, accept, or repay a loan unless you enter into a Loan Agreement with a lender. Loan funding times, repayment terms, and requirements may vary by lender and by your financial institution.
Exclusions
Residents of some states may not be eligible for certain loans. Residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia are not eligible to use this website or service. State eligibility may change without notice.
Credit Implications
IKE Loans Online does not make credit decisions. Independent lenders may perform credit checks with major credit bureaus or use alternative reporting agencies to determine creditworthiness. By submitting your application, you authorize participating lenders to verify your information and review your credit.
Loans are intended as short-term financial solutions, not long-term debt relief. Only borrow an amount you can afford to repay on the due date. Late or missed payments may result in additional fees, collection activity, and negative credit reporting.
Each lender has its own policies regarding renewals, fees, collections, and repayment. Please review your lender’s terms carefully before signing your Loan Agreement.
