COVID-19 Important Update

In light of the developments regarding COVID-19, our thoughts are with those affected by the virus. We are trying to maintain the highest level of service to our clients. But if you are not able to reach us immediately on the phone due to high call volume we are experiencing right now, you can also reach us at service@ubicash.com. We also have Live-Chat option available on our website. We will try to respond as soon as we can. Thank you for your patience!

Frequently Asked Questions

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Click on any of the FAQs below to read the answer. If you still have questions please feel free to contact usVisit www.ubicash.com.

About Us

Ubicash is a member of the Online Lenders Alliance (onlinelendersalliance.org) and adheres to the best practices concerning internet lending.

It means tribal law governs your relationship with Ubicash and will apply to your obligations including your loan agreement. Ubicash is still compliant with all applicable consumer finance Federal Laws of the United States of America.

We believe Ubicash loans are a better alternative to payday loans. However, 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, etc. 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.

Applying for a loan

To apply for a Ubicash loan, you’ll need:

  1. A job or other regular source of income
  2. A checking account where your paychecks are deposited.
    Prepaid debit cards will not work.
  3. A valid email address and phone number
  4. Be at least 18 years or older

Once you apply for a Ubicash loan, we’ll be able to tell you whether or not you qualify for a Ubicash loan.

Ubicash understands that you may have had credit troubles in the past. Our loans are tailored to service a wide-range of borrowers regardless of past problems with credit or having no credit at all. Our goal is to help borrowers get the money they need, especially when other lenders are unable to. We are here to help!

At this time, we do not lend in all states. Ubicash loans are currently not available to customers in Arkansas, Connecticut, Minnesota, New Hampshire, New York, Pennsylvania, Vermont, Virginia, West Virginia, Wisconsin, Washington D.C.

Ubicash currently does not have a product suited for military personnel.

The maximum loan amount for first time customers is $600. Conditions apply. Some returning customers may be eligible to borrow up to $1,000. Approvals for loan amount increases may be possible based on a timely payment history. Rewards may be possible for our Preferred Customers!

There are no hidden fees associated with any of our loans. The fees that you are responsible for are outlined in your loan agreement.
Annual Percentage Rate (or APR) expresses the cost of the loan as a percentage of the amount borrowed converted to an annual rate.
Additionally, you may be charged $20 for any returned debits, and/or $20 late fee if you are late by 5 business days.

It’s as easy as 1-2-3!

  1. Fill out the easy application online
  2. Our friendly Loan Manager will contact you shortly to finalize the application. Or call us at (844)350-5700 to VIP the application!
  3. Get your cash as soon as the next business day

After you fill out your application online, we’ll give you a quick call to finalize your loan. Your Loan Manager will be able to tell you right away whether you qualify for a Ubicash loan.

If you choose to have your loan proceeds deposited electronically into your bank account (ACH) and your application is approved by 5:00 pm EST, you will generally receive your money on the next business day.

You have right to cancel your loan, without any penalty or obligation, by 5:00 pm EST of the next business day immediately following the disbursement date (“Cancellation Deadline”). Your right to cancel your loan only applies if your loan either hasn’t funded or, if it has, the funds are returned to us as explained in your loan agreement. Please contact us, by or before the Cancellation Deadline, either by email to service@ubicash.com or by fax at (844)350-5701 that you want to cancel the future payment obligations on this loan. You can also contact our customer service department at (844)350-5700 to discuss your options.


Ubicash accepts two methods for repayment:

  1. Automatic Debit:Payments can be debited from the checking account that you provide on the loan application. You can always call us at (844)350-5700 to set it up. If you would like to revoke your ACH authorization and select an alternate method of payment, please contact us at (844)350-5700.
  2. Checks and Money Orders: You can choose to repay your loan via cashier’s check, or money order. Payments must be received no later than your payment due date by our office at
Nigig, LLC d/b/a Ubicash
P.O. Box 965
Lac Du Flambeau, WI 54538

Payments will be due on the due dates set out in the terms of your loan agreement. If the funds are not going to be available in your account, please contact us at (844)350-5700 three business days prior the due date.

We understand that life is unpredictable and from time to time you may miss a scheduled payment. If you think you will miss a payment, it is important to call us to work out a solution. We value our relationship and are happy to work with you to devise a payment plan that will meet your needs. If you fail to contact us, you may be subject to additional fees and/or be contacted by our collections department. Please note that if you are late by 5 business day, you may be charged a $20 late fee per occurrence. If we receive a non sufficient funds return, you may be subject to a $20 NSF fee for each occurrence.

To get help with your loan, send us an email at service@ubicash.com or call (844)350-5700.

Your Ubicash loans can be repaid early at any time without penalty or fee. To save on interest, we encourage you to pay the loan back as quickly as possible. Contact our customer service department at (844)350-5700 if you wish to repay your loan early and one of our knowledgeable and friendly loan managers will assist you.

Consumer Resources

At Ubicash, we take customer feedback seriously and strive to provide our customers with the best service. If you have any negative experience with us, please call us at (844)350-5700 or email us at complaints@ubicash.com.

If you have any issue and concern, please call us at (844)350-5700 or email us at service@ubicash.com, and we will work with you to address your issue or concern.
If you still need additional assistance after contacting our customer service to resolve an issue or concern, please contact the Lac du Flambeau Tribal Hotline at 1-844-388-0500 between the hours of 9:00 AM and 5:00 PM Central Time or email any time at tribalhotline@ubicash.com.
Or you can call the Online Lenders Alliance (OLA) Consumer Hotline at 1-866-299-7585.