Our loans are not designed as a solution to long-term financial needs. Credit counseling services are available to consumers who are experiencing financial problems.
Speedy Jet Loans, is a Lender regulated by the Wakpamni Lake Community Corporation, an arm and entity of the Oglala Sioux Tribe of the Pine Ridge Reservation (hereinafter "Tribe" or "Tribal").
Security: This loan is unsecured.
Dishonored Item Fee, Late Payment and Collection Costs: If an item in payment of what you owe is returned unpaid or an ACH debit entry is rejected by the Bank for any reason, we may collect a returned check charge not to exceed $30 per customer, per transaction. If any payment is not received in full on the due date, finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth above until the loan is paid in full. You will also be assessed and hereby agree to pay all attorney`s fees and costs incurred in the collection of this note.
Payment Options: Payments will be collected as explicitly stated on your loan agreement before you make any commitment You may contact us at least three (3) business days prior to your Payment Due Date at 877-844-5798 OR firstname.lastname@example.org if you choose to schedule payment of the Total of Payments amount (plus any accrued fees necessary to satisfy your loan in full). You may also pay your loan by cashier's check or money order, provided your payment is received at least three (3) business days prior to your Payment Due Date.
Interest and Fees: You agree to pay interest and fees on this loan as set forth in the Agreement. The interest under this loan is calculated using the pre-computed interest method and is earned beginning on the funding date. All payments will be applied first to the accrued interest, then to fees or charges due to us, such as Returned Item Fees, and then to unpaid principal balance.
Prepayment: You may prepay this loan at any time prior to the Payment Due Date without penalty.
Cancellation: You can return the amount financed listed above to us on or before 5:00PM Eastern Standard Time of the Business Day following the day the funds are released to you without incurring any fee or other charges.
ACH (Electronic Funds Transfer) Authorization: You hereby voluntarily authorize Speedy Jet Loans, and our successors and assigns, to initiate automatic credit and debit entries to you Bank Account for amounts due and owing in accordance with this Agreement on the Payment Due Date. We reserve the right to divide your payment into several debits, at our discretion, so long as the total of all such debits is less than or equal to the amount owing. You agree that we may reinitiate a debit entry for the same amount if the ACH debit entry is dishonored or payment is returned for any reason.
Default: You will be in default under this Agreement if you do not follow all of the terms of this Agreement or if you fail to repay the loan in accordance with the terms of this Agreement. Upon your default, Lender has the right to exercise all of its remedies to enforce payment in accordance with the terms of this Agreement. You will be responsible to pay all of the Lenders reasonable attorney fees and costs of collection.
Consent to Electronic Communications: Any disclosure, notice, record or other type of information that is provided to you in connection with your loan with us, including but not limited to, this Agreement, the Application, change-in-term notices, fee and transaction information, statements, new product information, notices of adverse action and disclosures ("Communications"), may be sent to you electronically by (i) calling the phone numbers listed in your application, including cell phones, regardless of whether those calls are made using a recorded message or otherwise; (ii) sending text message(s) to those numbers; and (iii) sending electronic mail to the e-mail address you listed on your application or any other-email address you use to communicate with us. Calls made to your cell phone(s) and text messages may be subject to charges from your carrier. You may withdraw your consent to receive information to your cell phone by texting STOP in reply to the receipt of a text message. Alternatively, you may call us at 877-844-5798.
We will not be obligated to provide any Communication to you in paper form unless you specifically request us to do so.
You may obtain a copy of any Communication by contacting us at email@example.com or by calling us at 877-844-5798. You also can withdraw your consent to ongoing electronic communications in the same manner, and ask that they be sent to you in paper or non-electronic form.
You agree to provide us with your current e-mail address for notices at the e-mail address or phone number indicated above. If your e-mail address, telephone number(s), or residence address changes, you must send us a notice of the new address/telephone number(s) by writing to us or sending us an e-mail, using secure messaging, at least five (5) days before the change.
In order to receive electronic communications in connection with this transaction, you will need a working connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol. You must have a printer or sufficient hard drive space available to save the information. If you have a question about your browser and the SSL protocol, please contact your Internet Service Provider or a qualified information technology service provider.
WAIVER OF JURY TRIAL AND ARBITRATION PROVISION: Arbitration is a process in which persons with a dispute: (a) waive their rights to file a lawsuit and proceed in court and to have a jury trial to resolve their disputes; and (b) agree, instead, to submit their disputes to a neutral third person (an "arbitrator") for a decision. Each party to the dispute has an opportunity to present evidence to the arbitrator. Arbitration proceedings are private and less formal than court trials, and are to allow for an efficient, streamlined procedure to resolve a dispute. The arbitrator will issue a final and binding decision resolving the dispute, which may be enforced as a court judgment. A court rarely overturns an arbitrator's decision.
For purposes of this Waiver of Jury Trial and Arbitration Provision (hereinafter the "Arbitration Provision"), the words "dispute" and "disputes" are given the broadest possible meaning and include, without limitation (a) all claims, disputes, or controversies arising from or relating directly or indirectly to the signing of this Arbitration Provision, the validity and scope of this Arbitration Provision and any claim or attempt to set aside this Arbitration Provision; (b) all federal or state law claims, disputes or controversies, arising from or relating directly or indirectly to this Customer Agreement (including the Arbitration Provision), the information you gave us before entering into this Customer Agreement, including the Customer Information Sheet, and/or any past Customer Agreement or agreements between you and us; (c) all counterclaims, cross-claims and third-party claims; (d) all common law claims, based upon contract, tort, fraud, or other intentional torts; (e) all claims based upon a violation of any state or federal constitution, statute, ordinance, rule, or regulation; (f) all claims asserted by us against you, including claims for money damages to collect any sum we claim you owe us; (g) all claims asserted by you individually against us and/or any of our employees, agents, directors, officers, shareholders, governors, managers, members, parent company or affiliated entities, or assignees (hereinafter collectively referred to as "related third parties"), including claims for money damages and/or equitable or injunctive relief; (h) all claims asserted on your behalf by another person; (i) all claims asserted by you as a private attorney general, as a representative and member of a class of persons, or in any other representative capacity, against us and/or related third parties (hereinafter referred to as "Representative Claims"); and/or (j) all claims arising from or relating directly or indirectly to the disclosure by us or related third parties of any non-public personal information about you.
You further acknowledge and agree that by entering into this Arbitration Provision:
YOU ARE GIVING UP YOUR RIGHT TO HAVE A COURT, OTHER THAN A SMALL CLAIMS TRIBUNAL, RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES;
YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISPUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES; AND
YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES.
Except as provided in Paragraph 6 below, all disputes, including any Representative Claims, against us and/or related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION.
Any party to a dispute, including related third parties, may send the other party written notice by certified mail return receipt requested of their intent to arbitrate and setting forth the subject of the dispute along with the relief requested, even if a lawsuit has been filed. Regardless of who demands arbitration, you shall have the right to select any established national arbitration organization, such as the American Arbitration Association (1-800-778-7879) http://www.adr.org , any regionally or locally recognized arbitration organization, or any disinterested individual who is an attorney, retired judge, or arbitrator registered and in good standing with an arbitration association, and arbitrate pursuant to such arbitrator's rules with regard hereto. The party receiving notice of arbitration will respond in writing by certified mail return receipt requested within twenty (20) days. If you demand arbitration, you must inform us in your demand of the arbitration organization you have selected or whether you desire to select an individual arbitrator. If related third parties or we demand arbitration, you must notify us within twenty (20) days in writing by certified mail return receipt requested of your decision to select an arbitration organization or your desire to select an individual arbitrator. If you fail to notify us, then we have the right to select an arbitration organization or disinterested individual arbitrator. The parties to such dispute will be governed by the rules and procedures of such arbitration organization or individual arbitrator applicable to consumer disputes, to the extent those rules and procedures do not contradict the express terms of this Customer Agreement or the Arbitration Provision, including the limitations on the arbitrator below. You may obtain a copy of the rules and procedures by contacting the arbitration organization or individual arbitrator chosen.
Regardless of who demands arbitration, at your request we will advance your portion of the arbitration expenses, including the filing, administrative, hearing and arbitrator's fees ("Arbitration Fees"). Throughout the arbitration, each party shall bear his or her own attorneys' fees and expenses, such as witness and expert witness fees. The arbitrator shall apply applicable substantive law of Delaware consistent with the FAA, and applicable statutes of limitation, and shall honor claims of privilege recognized at law. The arbitration hearing will be conducted in the county of your residence, or within 30 miles from such county, or in the county in which the transaction under this Customer Agreement occurred, or in such other place as shall be ordered by the arbitrator. The arbitrator may decide, with or without a hearing, any motion that is substantially similar to a motion to dismiss for failure to state a claim or a motion for summary judgment. In conducting the arbitration proceeding, the arbitrator shall not apply any federal or state rules of civil procedure or evidence. If allowed by Delaware statute or law, the arbitrator may award statutory damages and/or reasonable attorneys' fees and expenses. If the arbitrator renders a decision or an award in your favor resolving the dispute, then you will not be responsible for reimbursing us for your portion of the Arbitration Fees, and we will reimburse you for any Arbitration Fees you have previously paid. If the arbitrator does not render a decision or an award in your favor resolving the dispute, then the arbitrator shall require you to reimburse us for the Arbitration Fees we have advanced, not to exceed the amount which would have been assessed as court costs if the dispute had been resolved by a state court with jurisdiction, less any Arbitration Fees you have previously paid. At the timely request of any party, the arbitrator shall provide a written explanation for the award. The arbitrator's award may be filed with any court having jurisdiction.
Notwithstanding the foregoing, all parties, including related third parties, shall retain the right to seek adjudication in a small claims tribunal for disputes within the scope of such tribunal's jurisdiction. Any dispute, which cannot be adjudicated within the jurisdiction of a small claims tribunal, shall be resolved by binding arbitration pursuant to this Arbitration Provision. Any appeal or other review of a judgment from a small claims tribunal shall be resolved by binding arbitration pursuant to this Arbitration Provision. If you choose to submit your claims to a small claims tribunal rather than arbitrate as provided herein, you must give us written notice by certified mail return receipt requested of your intent and advising us of the claims you are making.
This Arbitration Provision is made pursuant to a transaction involving interstate commerce and shall be governed by the FAA. If a final non-appealable judgment of a court having jurisdiction over this transaction finds, for any reason, that the FAA does not apply to this transaction then our agreement to arbitrate shall be governed by the arbitration law of the State of Delaware.
This Arbitration Provision is binding upon and benefits you, your respective heirs, successors and assigns. The Arbitration Provision is binding upon and benefits us, our successors and assigns, and related third parties. The Arbitration Provision continues in full force and effect, even if your obligations have been prepaid, paid or discharged through bankruptcy. The Arbitration Provision survives any termination, amendment, expiration or performance of any transaction between you and us and continues in full force and effect unless you and we otherwise agree in writing. If any part of this Arbitration Provision is held invalid for any reason, the remainder shall remain in full force and effect.
Survival: The provisions of this Note dealing with the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join, Or Participate In Class Actions shall survive repayment in full and/or default of this Note.
Bankruptcy: You represent that you have not recently filed nor do you currently intend to file for bankruptcy.
Consent to Contact, New Product Information and Other Information: You authorize us to transmit information related to your loan, new product information and/or other information by (i) calling the phone numbers listed in your application, including cell phones, regardless of whether those calls are made using a recorded message or otherwise; (ii) sending text message(s) to those numbers; and (iii) sending electronic mail to the e-mail address you listed on your application or any other-email address you use to communicate with us. Calls made to your cell phone(s) and text messages may be subject to charges from your carrier. You may withdraw your consent to receive information to your cell phone by texting STOP in reply to the receipt of a text message. Alternatively, you may call us at 877-844-5798.
Professional Loan Services You Can Trust
If there are still a few days left until payday and life throws you a financial curve ball, consider Speedy Jet Loan to help you get by until your next paycheck arrives. Whether you have car repairs, medical bills, or school fees to pay, our dedicated loan services can keep you going without missing a beat. Our cash advances and payday loans will ensure that you can take care of everything that you need to in a secure and timely manner. Some of our requirements for applying for a loan include:
You must have steady income.
You must be able to verify that you have earnings direct-deposited into your checking account no less than twice a month.
You must have a checking or savings account in your name.
You must be able to be contacted at work, home, or by cell phone throughout the day.
You must be at least 18 years old and a citizen of the United States.
Your take-home pay must be at least $1,000.00 per month.
You must not currently be a debtor in a bankruptcy case or presently intending to voluntarily file for bankruptcy relief.
Loans Are Currently Not Available to Residents of AR, AZ, CO, CT, District of Columbia, GA, KS, MA, MD, ME, MO, MT, NC, NH, NJ, NY, OH, OR, PA, VA, VT, WI, WV, or WA
Jet Tribal dba Speedy Jet Loans is an entity of the Wakpamni Lake Community Corporation, a tribal corporation wholly owned by the Wakpamni Lake Community. The Wakpmani Lake Community is a local government under the Oglala Sioux Tribe. The corporation a wholly owned tribal entity. It is organized under and governed by the laws of the Oglala Sioux Tribe, a federally recognized Indian Tribe; and the regulations of the Wakpamni Lake Community. Correspondence should be directed to the Wakpamni Lake Community Corporation.