Best Lending Practices

Discover convenient, responsible lending

The Minto Money team is committed to the certain and specific responsible lending guidelines, which ensure a customer’s rights and privacy.

  • Trusted, Convenient Lending Source

    Trusted, Convenient Lending Source

    We are committed to the responsibilities of lending guidelines as well as our customer’s safety, privacy, and rights.

  • Customer Care

    Customer Care

    Our team is dedicated to each individual customer and treats them with respect. The team wants you to feel comfortable asking any questions or voicing any concerns whether you are a current customer or not.

  • Data Security

    Data Security

    You can be sure that your personal information is safe and secure with us. We use state-of-the-art security technology to protect your information from any unauthorized access.

  • Complete Fee Disclosure

    Complete Fee Disclosure

    Our customers know exactly what their total repayment amount will be before signing their loan.

  • Right to Cancel

    Right to Cancel

    You have a right to cancel by 4 pm (Central Time) the next business day after the cash disbursement date.

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IMPORTANT DISCLOSURES

This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: Minto Money loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include but are not limited to unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Late fees and non-sufficient funds/returned item fees may apply as described in your loan agreement. Our fees are disclosed in your loan agreement. If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). We may report your payment history to one or more credit bureaus. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

The typical application and verification process requires a phone call with our customer service team.

As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.

Minto Financial reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases including, but not limited to, Clarity and Factor Trust and we may run your credit in order to determine your eligibility and ability to repay.

Minto Financial does not lend to residents of Alaska, Arkansas, Connecticut, District of Columbia, Illinois, Minnesota, New York, Pennsylvania, Vermont, Virginia, West Virginia. Availability of installment loans are subject to change at any time without notice at the sole discretion of Minto Financial.

Minto Financial dba Minto Money is a wholly owned subsidiary of Benhti Economic Development Corporation (“BEDCO”), a sovereign economic arm, enterprise and instrumentality of, and created under the laws of and for the benefit of, the Native Village of Minto, a federally recognized sovereign American Indian tribe in Alaska, which abides by the principles of federal consumer finance laws, as incorporated under the laws of the Native Village of Minto.

*Loan applications fully verified and approved may be eligible for Real Time Funding. Real Time Funding (RTF) allows for immediate access to your funds. If eligible, customers typically receive their funds within minutes although the exact time your funds appear in your account may vary depending on your bank’s processing times. RTF may be limited by banking factors, and your bank may charge you additional fees. If RTF is not available, you may be eligible for free same-day funding if approved Mon-Fri by 2:00pm CST otherwise your funds will arrive on the next business day, excluding holidays and weekends. Deposit times may vary depending on your financial institution. RTF and same-day funding are not available in all states. Minto Money is not responsible for any additional charges applied by your financial institution.

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