I Get My Source of Income
I’d Like To Borrow $200
$200 $600
I Can Pay Back $7 Every Paycheck
$2 $12

Total Payments: 10
APR: 450%
Total of Payments$1850
*Your Annual Percentage Rate (APR) and payment amounts will vary based on your actual term and payment schedule.

  • Loans under your control

    Pick your loan amount and length
    Pay off your loan early without penalty

  • Loans you understand

    Affordable installment payments
    Transparent pricing with NO hidden fees or surprises

  • Loans easily accessible

    Money in your account as early as tomorrow
    Available from PC, mobile phone, and tablet

  • Loans that grow with you

    Future rewards for on-time payments
    Great alternative to higher cost payday loans

Available on your mobile device

ubicash - apply now


Fill out a short &
secure online
application form

ubicash - get approved


Our friendly Loan
Manager will give you
a quick call to confirm
all the details

ubicash - get funds


See your money
deposited directly to
your bank account as
early as tomorrow?

ubicash - relax


Your loan payment
can be automatically
withdrawn from your
bank account with
no hassle?

We’re here to help you get
the cash you need!


UbiCash Stories

Understand and improve your financial health and well-being

MyStartingPoint is a simple, intuitive and fun way to learn about and improve your personal financial health offered by Community Financial Education Foundation (CFEF). Visit mystartingpoint.org to see it can help.

Get your free credit report from Equifax, Experian, and TransUnion

Do you know that The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. Visit https://www.consumer.ftc.gov/articles/0155-free-credit-reports to learn how to order your free report.

Get tips to ensure you are well-informed before taking out a short term loan

As part of Online Lenders Alliance’s ongoing mission to educate consumers about short-term, small-dollar loans, it provides tips to ensure that consumers are well-informed before taking out a short-term loan. Visit https://onlinelendersalliance.site-ym.com/?page=consumertips to learn these valuable tips.

Life’s alternative free credit score

PRBC offers an alternative for people with: Limited Credit, Poor Credit, Declined Credit, or No Credit. To get a PRBC Score and Report, become a member and register at least three monthly-billed accounts, such as your rent, electric and cable bills or even an online service. Pay each of them on time and you'll earn a great PRBC Score. The more accounts you add and pay off regularly, the higher your score. Check it out at www.prbc.com to see if it can help.

Nigig, LLC dba UbiCash, a tribal lending entity wholly owned by the Lac du Flambeau Band of Lake Superior Chippewa Indian Tribe of Wisconsin, a federally recognized Indian nation (the Tribe) operates within the interior boundary of the Tribe's reservation. Nigig, LLC is chartered under and operates pursuant to Tribal Law. Loans from UbiCash are governed by the laws of the Tribe, not the law of your resident state.

This is an expensive form of borrowing. UbiCash loans are designed to help you meet 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 for you and your family. Alternative forms of credit, such as a credit card, personal loan, home equity line of credit, or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement.

First-time UbiCash customers typically qualify for an installment loan of $200 to $600, with an APR of 529% to 659%, which can be less than the average APR for a payday loan in many states. Maximum loan approval amount is $1000 for returning customers. Certain limitations apply and please see Terms and Conditions for complete details.

Applications processed and approved before 5:00pm Eastern Time 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.

We do not lend to residents of Arkansas, Connecticut, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, Virginia, West Virginia, Wisconsin, Washington, D.C. Availability of installment loans are subject to change at any time at the sole discretion of Nigig, LLC.

We adhere to the principles of the Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus and/or credit reporting agencies, late or non-payment of your loan may negatively impact your credit ratings. If you fail to repay your loan in accordance with its terms, we may place your loan with a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.

All trademarks, service marks, and registered marks are the properties of their respective owners.

You acknowledge that by completing and submiting the website application that you are applying for a loan, we verify application information through national database including, but not limited to Clarity and Factor Trust, and we may pull your credit in order to determine your eligibility and ablity to repay.