Mountain Summit Financial, Inc. is dedicated to offering the fastest and most hassle-free
lending available. Our simple loan process is designed to get you the money you need, when you need it most. Here is a
list of common questions.
If your information is complete and accurate, you should be contacted within 15 minutes from the time you have submitted
your application. If you have applied outside of normal business hours, we will contact you the following business day.
When you apply, you will authorize us to deposit the loan amount into your bank account by electing to receive an ACH
credit or, for a small fee, a wire transfer, upon loan approval. You also have the option to receive your money by check.
Subject to your bank’s policies and procedures, your money should be available in your bank account on the business day
following your submission of an application depending upon the method of payment you have selected. This can be delayed
if we are unable to verify the information on your application. of an application depending upon the method of payment
you have selected. This can be delayed if we are unable to verify the information on your application.
Unless you elect to repay your loan in full or make a partial repayment of your loan on your next pay date, your loan
will be repaid according to your Consumer Loan & Arbitration Agreement. Four (4) calendar days before each pay date,
you will be contacted to remind you of your option to repay your loan in full, make a partial repayment or repay according
to your Consumer Loan & Arbitration Agreement. You can elect to pay off your loan early by contacting Customer Service at
855-819-7200 and paying a prorated Finance Charge.
First time loans range from $300 to $800. After you have paid off your loan, you may qualify for as much as $1,000.
Our service fee is $30 per $100 dollars loaned and charged every two weeks based upon the principal amount outstanding.
Qualified returning customers may be eligible for rate discounts
Yes, you can pay your loan off before the due date. You will be charged only the fee for that duration and you will not
be charged with any penalty for early payments.
Your first loan with us is based upon the information you provide in your original application and the amount you have
requested. After successful loan repayment, we may increase your loan amount on future loans.
Contact us at the Customer Service, 855-819-7200. You will be charged an
insufficient check charge in addition to your current balance. If we are not contacted, your account will be
suspended until all monies are paid, and our collection process will begin.
Yes, you may extend your loan. Unless you elect to repay your loan in full or make a partial repayment of your
loan on your next pay date, your loan will be repaid according to your Consumer Loan & Arbitration Agreement.
Four (4) calendar days before each pay date, you will be contacted to remind you of your option to repay your
loan in full, make a partial repayment or repay according to your Consumer Loan & Arbitration Agreement. If you
do not wish to extend your loan, you can elect to pay off your loan early by contacting Customer Service at
855-819-7200 and paying a prorated Finance Charge.
A. You are only eligible to receive one loan with us at a time.
You have two options; you can re-apply online at https://www.mountainsummitfinancial.com by using the
returning customer login as long as you have your Social Security Number and your e-mail address that you used
when applying for your loan. Or you can call the Customer Service at 855-819-7200
YES! We have the highest priority for security our customer identity and transactions. We utilize a secure 128-bit SSL
certificate for all input items. We also employ several different third party security certification services to prevent
hacking or data intrusion. We constantly adapt to new technologies to provide better security.
No, you will never be charged an application fee.
No worries, these short term loans are designed to help individuals with Bad Credit or No Credit. We base our decision on
the information you have provided and in good faith.
If you have more than two active loans, we will be unable to assist you.
If you have previously given consent to receive text messages and have changed your mind, you can opt out of receiving
further text messages by reply texting the word "STOP" to a previous text or by calling us at
You will receive messages, including but not limited to:
notifying you as to important issues regarding your account
obtaining information necessary for us to service your account
collecting on your account
You can also receive support by sending an email to firstname.lastname@example.org or call us at
You can contact us by phone at 855-819-7200 or by email at
In most cases, you will not be required to fax any documentation. If we are unable to verify the information on the
application we may ask that you email or fax supporting documentation.
Yes, you can. Call Customer Service at 855-819-7200, but you will need
computer access to complete your transaction.
A consumer loan is a short-term, small-principal loan that is repaid in installments in accordance with a payment
schedule set out in the Consumer Loan & Arbitration Agreement.
The Loan Agreement is a contract that complies with federal requirements. It outlines the financial terms of the
consumer loan, including the cost of the loan, dollar amount of the loan, annual percentage rate, method of repayment
and schedule of repayment whether you choose to pay it off on your first due date or follow your Consumer Loan &
If you select the Electronic ACH option and provide an ACH authorization, we will be authorized to use the Federal
Reserve Wire System and must adhere to NACHA rules and regulations. The amount to be withdrawn from your account
will be the amount that is authorized by you in your Consumer Loan & Arbitration Agreement. If you see a different
amount, Please give us a call at 855-819-7200 so that we may rectify that error.
A. Yes! In an effort to provide you with a better experience, we have added debit cards as a form of payment.
A. You can add a debit card to your account at https://www.mountainsummitfinancial.com by following the steps below.
Login to your account as a returning customer
From your Account home page, click the link titled "Personal Information" then click the link titled "Financial Information".
Under the section titled "Debit Card Information", click the link "Add New Card".
Follow the steps in the online form for adding your debit card, agree to the terms and you are on your way!
A. Yes, you will receive an email notification once your card has been added. You will also be able to review the information you have added online under " Personal Information" then click the link titled " Financial Information" after logging into your account at https://www.mountainsummitfinancial.com.
A. Sorry, we only accept bank-issued debit cards.
A. No, we will not charge you any fees for using your debit card.*
A. With debit card payments, you don't have to worry about bank overdraft charges incurred for insufficient funds in your bank account. If you don't have the funds in your debit card account, the payment will be declined with no fees.* Also, debit transactions are instant, so you don't have to wait for days to confirm that your payment was processed.
A. Debit card payments are more secure than ACH payments. If your card were ever compromised, you can simply have the bank issue you a new one. Also, most banks offer fraud protection for debit card transactions.**
* Certain banks may still charge overdraft fees for debit card transactions.
Please check with your financial institution for their terms and conditions regarding fees.
** Please check with your financial institution for their terms and conditions regarding fraud and liability protection.
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© 2014 Mountain Summit Financial, Inc.. All rights reserved.
THIS LOAN IS NOT INTENDED TO MEET LONG-TERM FINANCIAL NEEDS.
THIS SERVICE DOES NOT CONSTITUTE AN OFFER OR SOLICITATION FOR CONSUMER LOANS IN ALL STATES. THIS SERVICE MAY OR MAY NOT BE AVAILABLE IN YOUR PARTICULAR STATE. THE STATES THIS SITE SERVICES MAY CHANGE FROM TIME TO TIME WITHOUT NOTICE. ALL LENDING TRANSACTIONS AND SERVICING OFFERED THROUGH THIS SITE WILL BE DEEMED TO HAVE TAKEN PLACE ON THE RESERVATION OF THE HABEMATOLEL POMO OF Upper Lake, California, REGARDLESS OF WHERE YOU MAY BE SITUATED OR ACCESS THIS SITE.
https://www.mountainsummitfinancial.com IS A WEBSITE OWNED AND OPERATED BY Mountain Summit Financial, Inc., A TRIBAL LENDING ENTITY WHOLLY OWNED AND OPERATED BY THE HABEMATOLEL POMO OF Upper Lake, California , WHICH IS A SOVEREIGN NATION LOCATED WITHIN THE UNITED STATES OF AMERICA, AND IS OPERATING WITHIN THE TRIBE'S RESERVATION. APPLICATIONS APPROVED BY 4:30 PM EST MONDAY THROUGH FRIDAY 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, WHICH MAY DELAY FUNDING. FIRST TIME https://www.mountainsummitfinancial.com CUSTOMERS TYPICALLY QUALIFY FOR A LOAN OF $300 TO $800. MAXIMUM LOAN AMOUNT FOR INITIAL LOAN IS $1,000.00. COMPLETE DISCLOSURES OF APR, FEES AND PAYMENT TERMS ARE SET FORTH IN THE LOAN AGREEMENT. THE LOAN MAY BE REPAID AT ANY TIME.
Mountain Summit Financial, Inc. LOANS ARE DESIGNED TO HELP YOU MEET SHORT-TERM BORROWING NEEDS, SUCH AS FOR CAR REPAIR, MEDICAL CARE FOR YOU OR YOUR FAMILY, OR TRAVEL EXPENSES IN CONNECTION WITH YOUR JOB. THIS IS AN EXPENSIVE FORM OF CREDIT AND IS NOT INTENDED TO PROVIDE A SOLUTION FOR LONGER-TERM CREDIT OR OTHER FINANCIAL NEEDS. ALTERNATIVE FORMS OF CREDIT SUCH AS A CREDIT CARD ADVANCE, PERSONAL LOAN, HOME EQUITY LINE OF CREDIT, AND BORROWING FROM A FRIEND OR RELATIVE MAY BE A LESS EXPENSIVE AND MORE SUITABLE SOURCE OF FUNDING.
Mountain Summit Financial, Inc. is dedicated to offering the fastest and most hassle-free lending available. Our simple loan process is designed to get you the money you need, when you need it most. Here's how to get in touch with us:
Here you will be able to...