You Are Unique

You Are Noticed

Prime Credit Line is an exclusive, invitation-only lender. People can’t just call us and get a loan. If we reached out to you, it was because you have a positive repayment history that speaks volumes to us about you and your commitment to honor your obligations. We have the privilege of interacting with amazing clients every day, and we hope you’ll let us serve you as well!
You Are Unique

You Are Important

Everyone has a story. Though we specialize in short-term loans, we’re actually much more interested in the people we serve. Our relationship managers make an effort to get to know each of our clients individually. They’re curious about how they’re doing and what makes them tick. Our ultimate objective is to make a positive difference in the world by helping our clients succeed.
You Are Unique

You Are Needed

In each interaction we have with you, we hope you can feel the high regard we have for our clients. Many of them have been through hard times and continue to face forward despite their challenges. We have tremendous respect for this and believe that their examples of goodness, courage, and integrity are needed in the world today.
You Are Unique

You Are Appreciated

When our clients need extra funds, we aren’t naïve; we know you have other lending options available to you. Because of this, we are so grateful that you’re willing to give us the opportunity to serve you. We truly appreciate your trust and friendship.


Have you ever called a company’s customer service line only to wait…and wait…and wait for the next available rep? That won’t be your experience with us! Each of our clients work directly with a relationship manager assigned specifically to them, and we focus on offering personalized service that exceeds your expectations!

Thank you for being who you are and letting us get to know you. If it all sounds too good to be true, we invite you to put our words to the test and check it out for yourself. How can we help you today?


How hard is it to get a loan?

a. Not hard at all! Our relationship managers are always available by phone to walk you through the process, or the application can be completed online as well. It’s really easy and doesn’t take a lot of time.

How are you different from other short-term lenders?

a. To be honest? We feel like most companies working in this industry don’t value their clients as individuals worthy of respect. Though we certainly provide short-term loans, that has always been secondary to what we feel is our main purpose. At Prime Credit Line, we want our clients to know that they matter and that we are blessed by our interactions with them.

How soon do I have to make a payment once I take out a loan with you?

a. You don’t have to make a payment right away. We offer a generous grace period before your first payment is due and your relationship manager will go over this with you before your loan is funded.

What if something comes up and I can’t make a payment on time?

a. Listen, we’re human too. We know that stuff comes up. If you ever find yourself in a difficult situation and unable to make your payment, please call us! We would be happy to adjust your account to give you some more time.

But will I get a late fee?

a. No! At Prime Credit Line, we don’t do any late fees! This is one thing that definitely sets us apart. We know that money can already be tight as it is without tacking on additional fees that blow up your account and add up fast. If you’re in trouble and worried about falling behind, your relationship manager will come up with a solution that alleviates your stress. We will always work with you.

If I miss a payment, do I have to make a double payment to make up for the one I missed?

a. Nope! When our clients are unable to make a payment, we offer extensions so they effectively don’t ever miss a payment. We’ll move your payment out to another date to give you more time.

Have a Question? Contact Us

Please feel free to drop us an email from the form below and
we’ll get back to you as soon as we can.

Contact Information

Phone Number
Contact Email
600 F. Street, Ste 3, #721
Arcata, CA 95521

*Prime Credit Line is a tribal lending entity wholly owned by the Big Lagoon Rancheria Band of Yurok and Tolowa Indians of the Big Lagoon Rancheria (“Tribe”), a sovereign nation located within the United States of America and a federally recognized Indian tribe that is created for the benefit of the Tribe and operating pursuant to Tribal law, and is operating within the Tribe’s Reservation. Prime Credit Line reviews and approves loans in the Tribe’s offices. Prime Credit Line is a licensed tribal lender in compliance with the Tribe’s Consumer Financial Services Regulatory Code, a copy of which can be found here Big Lagoon Rancheria Tribal Consumer Financial Services Regulatory Code. You can contact the Tribe at service@primecreditline.com or by mail at Prime Credit Line, 600 F. Street, Ste 3, #721 Arcata, CA 95521.

Applications processed and approved before 3:45 P.M. MST are typically funded the next business day. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. You may refer to the Loan Cost & Terms section for additional details however complete disclosures of APR, fees and payment terms are provided within the Loan Agreement.

Notice: This is an expensive form of credit. Prime Credit Line provides loans which are designed to help you meet your short-term and/or emergency borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for longer-term credit or other financial needs. Alternative forms of credit may be less expensive and more suitable for your financial needs. Alternative sources you could consider include: a credit card cash advance; personal loans; home equity line of credit; existing savings; or borrowing from a friend or relative. Individuals with credit difficulties should seek credit counseling. We encourage clients to pay in full as soon as possible without any pre-payment penalty, doing so will result in cost savings.

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