Unified Loan Services is an online direct lender that offers short-term personal installment loans, marketing itself as a source for fast cash to cover unexpected expenses. The company is a tribal lending entity wholly owned by the Habematolel Pomo of Upper Lake, a federally-recognized sovereign Indian nation. As an arm of a sovereign nation, it operates under tribal law and is not subject to the lending laws of the consumer's state of residence. Its mission is to provide access to credit for underserved consumers, though this model is often associated with very high-interest rates.

Founded in

Australia