Napa Lending


By providing us with your mobile number and opting-in, you give Napa Lending permission to send you account-related text messages / Short Message Service Messages (SMS).
SMS is in regards to any text message communication from us to you pertaining to your agreement.
These messages include, but are not limited to payment information, payment reminders, account information, due dates, delinquent accounts, program updates, and notifications in conjunction with the services you have requested.
· Number of messages will vary by account.
· By providing us with your mobile number and opting-in, you agree you have ownership rights or permission to use the number given to us.
· Message and data rates may apply.
· To opt-out, text STOP to any text message we send you. An opt-out confirmation message will be sent back to you.
· To request support, text HELP to any text message we send you or email us at customers@napalending.com.
· If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages.
· Wireless carriers are not liable for undelivered or delayed messages.


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Customer Notices

Napa Lending is a subsidiary of Kashia Services, a wholly owned economic arm of the Kashia Band of Pomo Indians of the Stewarts Point Racheria ("Tribe"), a federally recognized Indian tribe. Napa Lending is organized and in good standing under the laws of the Tribe. As a wholly owned Tribal entity, Napa Lending is licensed by the Kashia Lending Commission.

Loan applications that have been fully verified and approved by 10:30am PT will be funded as soon as the same day. Loan applications that have been fully verified and approved by 5:00pm PT will be funded as soon as the next business day. If your loan application is approved by Napa Lending, your loan will be governed by Tribal law, federal law, and the terms and conditions of your loan agreement. The Annual Percentage Rate (“APR”) as applied to your loan will range from 589% to 899% depending on your payment schedule, pay frequency, loan term, and the amount of your loan. Late payments and non-payment may result in additional fees and collection activities as described in your loan agreement and as allowed by Tribal and federal law. Napa Lending does not lend to residents of AR, CT, GA, IL, MD, MO, NY, PA, VA, WV. Availability of installment loans are subject to change at any time at the sole discretion of Napa Lending.

**A determination that you qualify does not guarantee final approval of your loan application. Certain events or changes to your information may impact your eligibility to receive a loan. If you no longer meet our loan criteria, we may offer you a loan in a different amount or on different terms. If any of your information materially changes, we reserve the right to deny your loan request. If you reside in one of the states listed above, you will be ineligible for a loan.

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