Terms and Conditions

Rev. 4/2026

General

These Terms and Conditions govern each credit application you submit to Ono Loans and each loan that you may obtain from Ono Loans.

Ono Loans offers installment loans that are designed to help you with your immediate cash needs. Ono Loans encourages you to borrow only what you need and what you are able to timely repay. Additionally, Ono Loans encourages you to shop the marketplace until you are convinced that you have found the best solution for your needs. You may choose to consult a consumer credit counseling service for additional options.

Privacy; Changes to Privacy Policy

Ono Loans will handle your non-public personal information as described in our Privacy Policy, which can be viewed at https://www.onoloans.com/privacy.html. We reserve the right to change our privacy policy in accordance with applicable law. If we change our policy, we will notify you by providing you with the revised policy within the timeframes required by applicable law.

Children and the Internet

We respect the privacy of your children, and we comply with the Children's Online Privacy Protection Act ("COPPA"). We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen (13). You must be at least eighteen (18) years of age (or nineteen (19), in certain states) to obtain services from Ono Loans.

Governing Law

This Loan Agreement is governed by the Indian Commerce Clause of the Constitution of the United States of America and the laws of The Mechoopda Indian Tribe of Chico Rancheria ("Tribe".) We do not have a presence in California or any other state of the United States of America. Neither this Loan Agreement nor the Lender is subject to the laws of any state of the United States. You understand and consent to be bound by these Tribal laws and to the personal and subject matter jurisdiction of the Tribal courts.

Application Certification and Verification

You certify that the information supplied by you on this website or over the phone or as part of your credit application is true, complete and correct. You authorize Ono Loans, its authorized representatives, servicers, and/or assignees to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on this website in or as part of your credit application shall be sufficient reason for denial of your loan request.

You authorize Ono Loans and its authorized representatives to obtain information about you from one or more consumer reporting agencies and other sources. You understand that Ono Loans reserves the right to withhold funding of your loan, at any time prior to disbursement, to allow Ono Loans to verify any information that you provide.

Credit Reporting Disclosure

We may make inquiries concerning your credit history and standing, and may report information concerning your performance including, but not limited to, late payments, missed payments, or other defaults, to credit reporting agencies. Late payments, missed payments or other defaults on your Loan may be reflected in your credit report.

Notice: You are hereby notified that if a credit report is used to underwrite your loan, a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms and your credit obligations.

Collection and Use of Bank Account and Other Information About You

As part of our credit underwriting and information collection process, we will consider the bank account information provided by you as eligible for us to process payments against, we may detect additional bank accounts under your ownership, and we also may collect and consider information about you from non-credit reporting agency data providers and publicly available information about you.

Contact Preferences; SMS Account Notifications

Ono Loans may contact you by several methods, including writing to you via U.S. postal service and/or electronic mail, and calling you via telephone at any address or number you provide to us. We may use postal mail, email, and telephone to contact you for account, customer support, and marketing purposes, including information about the status or approval of your loan, special promotions, savings and services we believe may be of interest to you, upcoming payment reminders, and collections and other matters related to your loan. If you have authorized Ono Loans to do so, Ono Loans may contact you by telephone using a predictive dialer or other automated telephone dialing device, or by pre-recorded message, during reasonable hours at any telephone number you provide to us. SMS/Text Message Account Notifications: If you provide your mobile telephone number and consent to receive text messages, Ono Loans may send you account-related notifications via SMS/text message, as permitted by law. Our SMS program is strictly limited to transactional and account-related communications, which may include: loan application status and approval notifications; payment reminders and confirmations; account alerts (such as payment due dates, returned payment notices, and account status changes); security-related notifications; and other messages relating to the servicing or administration of your loan or account. We do not send marketing or promotional messages via our SMS program.

You may manage your contact information and preferences by calling us at 530-471-5414, emailing us at ClientCare@onoloans.com or updating your contact preferences in your account on the Ono Loans website. For SMS account notifications, message frequency may vary. Message and data rates may apply. To opt out of SMS account notifications at any time, reply STOP to any text message we send you and you will be immediately removed from our SMS program. You may also opt out by calling 530-471-5414, emailing ClientCare@onoloans.com, or updating your preferences online; non-STOP opt-out requests submitted through these channels will be processed within ten (10) business days. Reply HELP for assistance. Privacy policy is available here https://onoloans.com/privacy.html.

Note: We reserve the right to contact you to inform you of technical service issues related to a service you requested. In addition, we reserve the right to contact you regarding your account status, collection matters, changes to account terms and conditions, privacy policy, or any other policies or agreements relevant to you and/or your loan using any contact method described above.

Mobile Program Description

Ono Loans SMS Account Notifications. Product description: Financial account notifications including loan application status, approval notifications, payment reminders, payment confirmations, account alerts, security notifications, and other messages related to the servicing of your loan or account. Message frequency may vary. Message and data rates may apply. For help, contact us at ClientCare@onoloans.com or call 530-471-5414, or reply HELP. Reply STOP to opt out at any time.

Accuracy of Your Account Information

We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any information we determine to be inaccurate.

You may change your information on your application or otherwise update your account information online by logging into the "Member Login" page at onoloans.com.

Additional Security Precautions

You also have a significant role in protecting your information. No one can see or edit your personal information without knowing your login information. Do not share your login information with others. If you use this website, you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.

Cookies and Online Advertising

To ensure we are publishing content that customers need and want, onoloans.com collects aggregated site visitation statistics using cookies. When someone visits the Ono Loans website, a cookie is placed on the customer's computer (if the customer accepts cookies). We also advertise our products and services on other websites you might visit. We may use certain third party vendors, including but not limited to, Google, Microsoft, or Yahoo, to place our ads on other websites. These third parties may use the cookies placed on your computer to show you advertisements for our services (based on your prior visits to this website) on other internet websites. You can opt out of Google's, Microsoft's and Yahoo's use of cookies in this manner by visiting their respective advertising opt-out pages. If you choose to not have your browser accept cookies from the Ono Loans website, you will not be able to subscribe to the service offerings on onoloans.com.

Automatic Logging of Session Data

We automatically log generic information about your computer and your computer's connection to the Internet, which we call "session data." Session data consists of things such as device information, IP address, operating system and browser software information, and the activities conducted by the user while on our site. An IP address is a number that lets computers and mobile devices connected to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. It is possible to determine from an IP address a visitor's Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity. We also collect and use session data to help prevent fraud or unauthorized use of our site. Session data is sometimes shared with third parties.