The APR, total payments, and total payment amount will be disclosed on your loan agreement. The payment schedule on your loan agreement will include the payment amounts and payment due dates for the duration of the loan. Late fees and/or non-sufficient funds / returned item fees may apply as described in your loan agreement. Your loan agreement will outline the specific details of your loan. To minimize the total cost of your loan, we strongly recommend that you pay your loan in full or make additional payments as soon as you can. There are no prepayment penalties for paying off your loan earlier than the scheduled payment dates.
The full payment schedule for your loan will be on your loan agreement. You can reduce the total cost of your loan by paying off your loan at any time prior to your last payment date on your payment schedule or by making additional payments on or between your payment due dates. You control how soon you want to pay off your loan. There are no penalties for paying off your loan early.
Below are two $300.00 loan sample payment schedules listed for a new customer and a returning customer level. Please note that the APR may vary and is based upon the total loan duration and amount funded. Returning customers will receive a reduced APR between 295 % -795 % which is based on credit history with Bright Star Cash, verification of the information provided by the consumer, payment history with Bright Star Cash and other credit criteria. Remember that the sooner you pay back the loan, the less the total loan cost will be.
In order to complete your loan and get your cash into your bank account, you MUST confirm your loan details with us after submitting the form and getting an approval.
After approval, we can transfer your funds directly to your bank account. If you elect to do same day funding, an additional fee will be charged and be added to your first payment due per your loan schedule. Applications processed and approved before 2:30pm CST Monday – Friday are typically funded on the next business day.
Your payment amount and payment due dates for the duration of your loan are listed on your loan agreement.
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We strongly encourage that you pay your loan off as early as you can or make additional payments to reduce the overall total cost of your loan. Remember, there are no prepayment penalties for paying your loan off early.
It's important to contact us if you anticipate any problems with your payment, and we will be happy to discuss alternative payment plan options.
If you are paying by electronic funds transfer from your bank account, please ensure funds are available from your bank account on your payment date. If you are paying by cashiers check / certified check, we recommend that you allow at least five business days mailing time so that your payment arrives by your due date. If a successful payment is not made by your due date, an additional late and/or NSF fee of $30 will be assessed. Please refer to your loan agreement for your specific terms.
Niizh, LLC does business as Bright Star Cash. Niizh, LLC is a Native American owned business created by and for the Lac Du Flambeau Indian Community, a Sovereign American Indian tribe. Our business is operated on the Lac du Flambeau Reservation located in Wisconsin. Niizh, LLC is an instrumentality and limited liability company which abides by all applicable federal laws and regulations established by the Lac du Flambeau Indian Tribe.
Bright Star Cash does not lend to residents of Arkansas, Florida, Maryland, New York, Virginia, West Virginia, and Wisconsin. Availability of installment loans is subject to change at any time at the sole discretion of Bright Star Cash.
Please note: This is an expensive form of borrowing. Bright Star Cash 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 unexpected emergencies, car repair bills, medical care, or essential travel expenses.
Niizh, LLC 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 pull your credit in order to determine your eligibility and ability to repay.
**Terms and conditions apply. If you elect to do same day funding, an additional fee will be charged. Same day funding is available until 3:00pm CST. If your loan is finalized on Saturday or Sunday and you do not select same day funding, your loan will be funded on the second business day. Next day funding cut off time is 2:30 CST Mon-Fri.
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