Terms and Conditions

We are a tribal limited liability company organized under tribal law and an economic development arm of, instrumentality of, and wholly-owned entity organized under and governed by the laws of the United Keetoowah Band of Cherokee Indians of Oklahoma, a federally-recognized sovereign American Indian tribe. Your loan is made by us as described by the United Keetoowah Band of Cherokee Indians Tribal Consumer Financial Services Regulations.

SOVEREIGN IMMUNITY: The loan agreement and any related documents, provided by us to you, is as the economic arm and wholly-owned limited liability company of the United Keetoowah Band of Cherokee Indians of Oklahoma. The United Keetoowah Band of Cherokee Indians of Oklahoma is a federally-recognized American Indian Tribe and, as such, enjoys full governmental sovereign immunity. Because both Superior Funding, LLC and the United Keetoowah Band of Cherokee Indians are entitled to sovereign immunity, you will be limited as to what claims, if any, you may be able to assert against both the United Keetoowah Band of Cherokee Indians and Superior Funding, LLC. To encourage resolution of consumer complaints, any complaint may be submitted by you or on your behalf. Please review your Consumer Loan Agreement and Federal Truth in Lending Disclosure for additional details. As should always be the case with legal documents, please review the Agreement in full before signing.

Superior Funding is an online lender, not a third party. We can offer a competitive loan for individuals with less than perfect credit loan because of our unique direct withdrawal program for making loan payments. With Superior Funding, you can quickly be approved when you are a full time postal employee with open allotments available. A unique feature that makes Superior Funding loans stand out is our quick approval process and funding. Superior Funding’s application process is quick, but there will be a need to provide us personal information for the online application. To qualify for a personal loan online through Superior Funding, your credit bureau report will not need to be pulled, however we will look at whether or not you have recently had a bankruptcy. Short term loans online typically have short-term payback periods. Superior Funding, however, offers installment loans with one year terms. There is a fee for late payments, but you won’t be charged a fee if you decide to pay off your loan earlier than your maturity date, and for good payment history, there may be an opportunity to refinance your current loan and while doing so, increase your loan amount. Please speak to a representative to see how you may qualify.

How Does It Work?

Please fill out our short application and we will quickly determine if you are preliminarily approved for a loan. When the loan is due, your fees will be automatically deducted from your payroll through an allotment.

Our APR Disclosure

The APR (Annual Percentage Rate) is the interest rate that your loan accrues interest. It is calculated from the loan amount, the interest fees of your loan, the term of the loan, the repayment amounts and timing of your payments. By law, we must show you the APR before you decide to enter into our loan. Please be sure you review the APR along with the other terms of your loan before you sign the loan agreement.

Credit Implications

We may verify your social security number, driver’s license number, national identification, or any other state or federal identification and review your information against databases to determine credit worthiness, credit standing and/or credit capacity. We will typically not perform credit checks with the three major credit reporting bureaus, however will check reports through alternative providers such as Teletrack. These checks will not affect your credit bureau score. When you submit your application and information on this website, you will agree to allow Superior Funding to verify your information and check your credit as described in our terms and policies.

Our Disclosure Policy

The loans provided by us are installment loans, which are designed to provide proceeds to you and which must be repaid within a one year time period. These types of loans are not a long term solution if you are facing long term debt and credit difficulties. You should only apply to borrow an amount that can comfortably be repaid over time.

Renewal Policy

You may be eligible for a renewal loan based on your positive payment history. Please discuss our renewal policy with your customer service representative.

Implications of Late Payments

Additional fees may be incurred by you for late payments, however our automated allotment withdrawal will minimize any such possibility. Please discuss our late payment fees policy with your customer service representative.

Implications of Non-Payment & Collection Practices

If you fail to make the loan payments on time, you may be responsible for additional fees and interest and collection costs. However, an important feature of our program is that your loan will automatically be deducted from your payroll and sent to us, which should result in few, if any, missed payments. Please be advised that you are always protected by the Fair Debt Collections Act, which includes limitation on how a lender may collect an unpaid balance including:

  • – Not phone contacting you before 8 am or after 9 pm.
  • - Not harassing you or making or using abusive language towards you over the phone.
  • – Not using deception to try to collect money from you.
  • – Not threatening you with legal action if it is not permitted.

Please borrow responsibly and borrow only enough that may be comfortably repaid back.

Availability: This service is not available in all states.

Consumer Information: A high APR installment loan should be reviewed in the context of the borrower’s ability to pay back comfortably. Such loans are not long-term financial solutions. Borrowers with long term financial needs or prolonged excessive debt should seek out a professional advice.

No Guarantee: There is no guarantee that you will be approved for a loan.