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Rates

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The maximum loan amount for borrowers is $1,500.

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Repayment Options:

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Automatic:

  • Do nothing and your principal balance and service charges will automatically begin paying down on your third due date. If we do not hear from you and you do not visit the website and choose a different pay down or pay off option, upon your third due date we will AUTOMATICALLY begin debiting your account an additional 5% of the original principal balance. This will continuously lower your principal balance and the service charges associated with the open balance until the account is paid in full. Please note, if you choose this option the total amount that you pay for this loan will be greater than if you chose to pay off or pay down at an earlier time.

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Pay Down:

  • Choose the FLEXIBLE pay-down option. Either by visiting the website or calling/emailing us directly, you may let us know exactly how much extra you would like to pay toward the principal. This provides you the flexibility to pay more when you can afford it and less when you cannot. Any additional funds you apply towards the principal balance will lessen the amount of your next minimum payment as we calculate the fees off of the adjusted principal vs. the original loan amount. More flexible options are available by speaking with a representative directly.

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Pay Off:

  • Pay the loan in full. You can choose this option at any time by visiting the website or calling/emailing us directly. Once the loan is paid in full you will not be charged again and may qualify for an increased amount. Qualified VIP customers will receive a lower interest rate on future loans. Please note that this option is the best and most suggested way to pay the least amount of service charges and the lowest amount possible

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PLEASE NOTE

  • You must log on to the website to change your payment option by 11:59 PM PST the banking day (excluding bank holidays) before your scheduled due date

  • Customers may elect to repay their loan via ACH, cashier’s check, or money order as specified within the loan agreement.

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Interest Rate on Loans:

Interest rate is the percentage of the principal of a loan a lender charges a borrower to make the loan. Finance charges are a broader measure of the cost of borrowing that includes both interest and any applicable fees. Annual percentage rate, or APR, expresses the finance charges on a loan as a yearly rate. Finance charges are based on a consumer’s creditworthiness. A consumer’s creditworthiness is determined by several factors, including credit and payment history, income, employment, existing debt, and types of debt. The APR for your loan will be determined by the amount you choose to borrow and the length of time you choose to keep your loan outstanding.

 

You can reduce the total cost of your loan by paying off your loan before your last due date on your payment schedule or by making additional payments on or between your payment due dates.

A copy of your loan details, finance charges, and APR will be fully disclosed to you in your loan agreement upon approval of your loan. Contact us today to see if you qualify for one of our loans. We can assist you and present a range of loan options for which you may qualify.*

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Our Company adheres to all federal laws and regulations that apply to the short-term and online personal lending industry. Our company does not discriminate against credit applicants based on race, color, religion, national origin, sex, marital status, or age because all or part of an applicant’s income derives from any public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

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Please note: This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. These loans are designed to assist you in meeting your short-term financial needs and are not intended to be a long-term financial solution.

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*All loans are subject to credit approval.

Get Up to $1,500 Fast

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Sacred Stone Lendings is a consumer lending company specializing in online installment loans.

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Unlike many other lending companies, we offer flexible payment options that empower our customers to better control their finances.

Contact Us

Sacred Stone Lending

PO Box 678
Santa Ysabel, CA 92070

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​PH: 844-562-6225

customerservice@sacredstonelending.com

SacredStoneLending.com is a website owned and operated by Sacred Stone Lending d/b/a Sacred Stone Lending ("Sacred Stone Lending"), an economic development arm of, instrumentality of, and wholly-owned and controlled by, the Iipay Nation of Santa Ysabel (the "Tribe"), a federally-recognized sovereign American Indian tribe. Sacred Stone Lending adheres to federal consumer finance laws and operates within the boundaries of the Tribe's reservation. Funds borrowed from Sacred Stone Lending are governed by federal law and the laws of the Tribe, not the law of the state where you reside. Nothing in this communication should be construed as a waiver of sovereign immunity, which is expressly preserved.

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Please note: This is an expensive form of borrowing. Sacred Stone Lending installment loans are designed to assist you in meeting your short-term financial needs and are not intended to be a long-term financial solution. Examples of why our services may be used include unexpected emergencies, car repair bills, medical care or essential travel expenses.

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Completion of our installment loan application in no way guarantees that you will be approved for an installment loan. Sacred Stone Lending reviews your information in real-time to determine whether you meet our lending criteria. You acknowledge that by submitting and completing the loan application that you are applying for a loan. We verify loan applicant information through alternative credit reporting agencies and may obtain your credit information in order to determine your eligibility and ability to repay.

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This service is offered to you from the Tribe’s reservation, regardless of where you may be situated or access this site, and constitutes an offer for consumer loans solely within the Tribe’s jurisdiction, not any other state. The Tribe does not allow access or accept applications for this service from residents of all locations, and the service may or may not be available at your location. The location from which the Tribe chooses to allow access to its jurisdiction may change from time to time without notice. If you choose to visit the Tribe’s jurisdiction through the internet and access services offered and regulated under the Tribe’s laws, you must consent to the Tribe’s jurisdiction and agree that Tribal law governs such services. Availability of loans are subject to change at any time at the sole discretion of Sacred Stone Lending.

If you have additional questions, please call us at 844-562-6225 or email us at customerservice@sacredstonelending.com.

© 2025 Sacred Stone Lending. All rights reserved.

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