Policy On Responsible Lending

As a responsible lender, we commit to you that this loan product abides by all applicable laws and that we strive for the utmost level of transparency and fairness.

  • Not for all financial needs

    This is a short-term loan designed to help with your immediate cash needs. It will not solve your long-term needs and refinancing will result in additional charges. We encourage you to (1) borrow only what you need and can repay and (2) shop the marketplace until you are convinced that you have found the best possible solution. You may choose to consult a consumer credit counseling service for other options.

  • Transparency of costs for your loan

    The cost of credit will be clearly disclosed to you in terms of the dollar amount of interest and the APR according to the principles of federal truth in lending law and regulations. For details on the specific costs of your loan, please see Loan Cost and Terms and your loan agreement. Late fees and non-sufficient funds/returned item fees may apply as described in your loan agreement. We will never charge you any "hidden fees" that are not fully disclosed in the loan agreement or the Loan Cost and Terms.

  • Right of Rescission

    If you change your mind about the loan, you may rescind your loan at no charge as long as you return the loan proceeds within the number of days specified in your loan agreement.

  • Implications of Late and Non-Payment

    If you don't make a payment on time we will attempt to contact you via one or more authorized methods, including phone calls, emails, and text messages to arrange for payment. All of our collections methods will be in accordance with the principles of the Federal Debt Collections Protection Act (FDCPA). In addition, we may re-present any returned payments to your bank in accordance with applicable law and regulatory requirements. If we are unable to reach you or we are unable to collect against your debt we may place or sell your debt with third party collection agencies. However, we only contract with collection agencies that agree to follow the FDCPA. Furthermore, since we may report loan payments to one or more credit bureaus, late or non-payment of your debt may impact your credit rating. As noted above, late fees and non-sufficient funds/returned item fees may apply as described in your loan agreement.

  • Compliance with Laws

    We are in compliance with all state and federal laws. These laws include (but are not limited to):

    1. Electronic Fund Transfer Act
    2. Equal Credit Opportunity Act
    3. Fair Credit Reporting Act
    4. Fair Debt Collection Practices Act
    5. Gramm-Leach-Bliley Act Privacy Requirements
    6. Truth in Lending Act
    7. Telemarketing Sales Rule
  • We Respect Your Privacy

    We adhere to all applicable federal and state privacy laws. Please see Privacy Policy for details.

  • Contacting Us

    We always provide a physical address, a toll-free phone number, and an email address so that you can reach us in the most convenient manner for you. We strive to respond to your mail, calls, and email in as fast a manner as possible so we can quickly answer any questions and solve any problems you might have. Please see Contact Us for details.



  • Big Valley Financial is a Tribal enterprise, wholly owned and operated by the Big Valley Band of Pomo Indians, a federally-recognized American Indian tribe and sovereign government. Any Agreement entered into as a result of this Application shall be governed by applicable Tribal and federal law. This web site's contents do not signify a solicitation or offer for check advances in all states. Areas of operation may change with or without notice. Services mentioned on this site may or may not be available in your particular state. Each aspect of, communication, and transaction, with/on this site will be deemed to have occurred in Big Valley Financial's Big Valley Band of Pomo Indian Reservation offices, regardless of the location where you are accessing or viewing this site. All content, existing and/or submitted to and in association with this site will be considered Big Valley Financial's copyrighted property. All communications with the company are deemed confidential. Any unauthorized reproduction, distribution, or disclosure is prohibited without the company's express written consent.