TERMS AND CONDITIONS

General

These Terms and Conditions govern each credit application you submit to Prime Credit Line, LLC d/b/a Prime Credit Line and each loan that you may obtain from Prime Credit Line.

Prime Credit Line offers installment loans that are designed to help you with your immediate cash needs. Prime Credit Line encourages you to borrow only what you need and what you are able to timely repay. Additionally, Prime Credit Line encourages you to shop the marketplace until you are convinced that you have found the best solution for your needs. You may choose to consult a consumer credit counseling service for additional options.

Privacy; changes to privacy policy

Prime Credit Line will handle your non-public personal information as described in our Privacy Policy, which can be viewed at Privacy Policy . We reserve the right to change our privacy policy in accordance with applicable law. If we change our policy, we will notify you by providing you with the revised policy within the timeframes required by applicable law.

Governing law

This Loan Agreement is governed by the Indian Commerce Clause of the Constitution of the United States of America and the laws of the Big Lagoon Rancheria Band of Yurok and Tolowa Indians of the Big Lagoon Rancheria (“Tribe”.) We do not have a presence in California or any other state of the United States of America. Neither this Loan Agreement nor the Lender is subject to the laws of any state of the United States. You understand and consent to be bound by these Tribal laws and to the personal and subject matter jurisdiction of the Tribal courts.

Application certification and verification

You certify that the information supplied by you on this website or over the phone or as part of your credit application is true, complete and correct. You authorize Prime Credit Line, its authorized representatives, servicers, and/or assignees to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on this website in or as part of your credit application shall be sufficient reason for denial of your loan request.

You authorize Prime Credit Line and its authorized representatives to obtain information about you from one or more consumer reporting agencies and other sources. You understand that Prime Credit Line reserves the right to withhold funding of your loan, at any time prior to disbursement, to allow Prime Credit Line to verify any information that you provide.

Credit reporting disclosure

We may make inquiries concerning your credit history and standing, and may report information concerning your performance including, but not limited to, late payments, missed payments, or other defaults, to credit reporting agencies. Late payments, missed payments or other defaults on your Loan may be reflected in your credit report.

Notice: You are hereby notified that if a credit report is used to underwrite your loan, a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms and your credit obligations.

Collection and use of bank account and other information about you

As part of our credit underwriting and information collection process, we will consider the bank account information provided by you as eligible for us to process payments against, we may detect additional bank accounts under your ownership, and we also may collect and consider information about you from non-credit reporting agency data providers and publicly available information about you.

Contact and marketing preferences

Prime Credit Line may contact you by several contact methods, including but not limited to, writing to you via U.S. postal service and/or electronic mail and calling you via telephone at, any address or number you provide to us. We may also contact you via text messaging or other mobile communications method, if you request or agree to this type of communication, as permitted by law. We may use any one or all of these methods to contact you about the status or approval of your loan, inform you about special promotions, savings and services we believe may be of interest to you, to remind you of upcoming payments, and to communicate with you regarding collections and other issues related to your loan. If you have authorized Prime Credit Line to do so, Prime Credit Line may contact you using a predictive dialer or other automated telephone dialing device, or by pre-recorded message, during reasonable hours at any of the phone numbers which you provide to us.

You may manage your contact information and preferences by calling us at 1-800-238-0941, emailing us at service@primecreditline.com or changing your contact preferences in your account on the Prime Credit Line website.

Note: We reserve the right to contact you to inform you of technical service issues related to a service you requested. You will not be able to choose to unsubscribe from these communications as they are considered an essential part of the service you have requested. In addition, we reserve the right to contact you regarding your account status, collection matters, changes to account terms and conditions, privacy policy, or any other policies or agreements relevant to you and/or your loan using any contact method described above.

Accuracy of your account information

We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any information we determine to be inaccurate.

You may change your information on your application or otherwise update your account information online by logging into the “My Account” page at primecreditline.com and selecting “Your Details”.

Additional security precautions

You also have a significant role in protecting your information. No one can see or edit your personal information without knowing your login information. Do not share your login information with others. If you use this website, you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.

Cookies and online advertising

To ensure we are publishing content that customers need and want, primecreditline.com collects aggregated site visitation statistics using cookies. When someone visits the Prime Credit Line website, a cookie is placed on the customer’s computer (if the customer accepts cookies). We also advertise our products and services on other websites you might visit. We may use certain third party vendors, including but not limited to, Google, Microsoft, or Yahoo, to place our ads on other websites. These third parties may use the cookies placed on your computer to show you advertisements for our services (based on your prior visits to this website) on other internet websites. You can opt out of Google’s, Microsoft’s and Yahoo’s use of cookies in this manner by visiting their respective advertising opt-out pages. If you choose to not have your browser accept cookies from the Prime Credit Line website, you will not be able to subscribe to the service offerings on primecreditline.com.

Automatic logging of session data

We automatically log generic information about your computer and your computer’s connection to the Internet, which we call “session data.” Session data consists of things such as device information, IP address, operating system and browser software information, and the activities conducted by the user while on our site. An IP address is a number that lets computers and mobile devices connected to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. It is possible to determine from an IP address a visitor’s Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity. We also collect and use session data to help prevent fraud or unauthorized use of our site. Session data is sometimes shared with third parties.

Children and the internet

We respect the privacy of your children, and we comply with the Children’s Online Privacy Protection Act (“COPPA”). We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen (13). You must be at least eighteen (18) years of age (or nineteen (19), in certain states) to obtain services from Prime Credit Line.

*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.

Prime Credit Line’s Privacy Notice and Policy can be found here: Privacy Policy

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