Digital Grand Opening: The New Self-Service Customer Center!

Since we’re in the business of helping alleviate stress during those unfortunate financial emergencies, the team here at Northcash just took it one step further: we’ve officially opened the new Self-Service Customer Center! So, consider this our official invitation to create your Self-Service account, which was designed to make managing your lending needs as straightforward as possible.  #digitalhighfive  “But What Does It Do?”   As you can probably guess from its name, our Self-Service Customer Center lets you do just that: streamline your account management independently and easily through our secure, online portal. Our customers now have easy, on-the-go access to account details like: Balance information; Up-to-date payment history; A schedule of upcoming payment dates; Promotional Email and SMS communication preferences; And access to a new loan application if the need arises in the future. Put simply, this platform tailors our customer services to your unique needs, any time you need it. While you can still call one of our Customer Care Representatives, you now have all your account details right at your fingertips. It’s lending organization at its finest.  

The Best Second Hand Clothes to Buy

Northcash is not affiliated, associated, endorsed by, or in any way officially connected with the companies, brands, services or websites mentioned and linked to in this article. Reference to these parties is strictly for editorial and descriptive purposes only. If you shop at the right places, you’d be surprised at the quality of the second hand clothes available at discounted prices. It generally takes a bit of hunting to make sure you find items in line with your specific style and budget, but the effort is usually worth it as you discover new favorites for future shopping ventures. Consider the following sources before your next budget-conscious shopping spree: Garage Sales Don’t be fooled by the name; you could come away with some high quality, brand name second hand clothes at garage sales. There’s no question the clothing could be yours at a fraction of the cost; it just depends on your dedication in hunting for the right style and fit for you. You could find valuable, out-of-stock pieces for men’s and women’s fashion from popular brands. Just remember, be patient and don’t be afraid to negotiate prices! eCommerce Bargain Sites There are plenty of online spots where you can get good second hand clothing. Out of all of them, eBay is by far the most recognized vendor; you can find Ralph Lauren, Gucci, even Vera Wang hand-me-downs that have retained much of their original glory and are going for a fraction of the price. Oftentimes, the seller will have worn…

Top Ways to Save Money at Home

These days many people have debt, which means that we are all trying to save money wherever and however we can. In many cases, this means finding multiple ways to make use of things we already have or adopting better consumption habits. By exercising a little frugality, you can save anywhere from a few dollars a day to hundreds every month. Consider these simple ways to save money at home:

5 Tips for Building a Rainy Day Fund

When it comes to saving, most people think about their retirement. Having a rainy day fund, however, is equally important. It can save you from serious financial trouble during unexpected situations while also enhancing your saving and spending habits.

Inexpensive Winter Activity Ideas for Families

Every winter, you’re likely to find your family suffering from cabin fever at some point. It could be the weather, school holidays or just plain boredom. Whatever it is, if your family is suffering from the winter blues, these fun and cheap activities could be just the thing to alleviate the winter doldrums! See our list of winter activity ideas for families to start planning your own this season:

5 Tips for Buying a Used Car

Choosing a used car over a brand new vehicle comes with a wide range of advantages. Apart from typically being more affordable, used cars tend to preserve their value over a longer period of time. But in order to buy the best used car that fits your need and your budget, research is crucial. Here are five essential tips for buying a used car.  Determine Your Budget Setting a strict budget cap is the first thing to do. The step will keep you from going overboard and it will also limit the number of available options. Also, if the car you have your eye on is out of warranty, you may want to set aside an extra emergency fund that can be used for unexpected car repairs as well as necessary maintenance. Research Now that you have your budget, it’s time to research models. Every model has its benefits and shortcomings. Do you want a small automobile? Do you want a bigger vehicle that can carry a lot of weight? Is ease of parking a main concern? Do you want an economic vehicle that uses small amounts of fuel? Do a bit of research based on your list of priorities and narrow it down to a couple of models that are reliable and within your budget. Check the Vehicle and Its History When going to inspect vehicles, it’s a good idea to bring someone along who knows what to look at. Getting a Vehicle History Report is another essential step. This…

How to Reduce Car Repair Costs

Unexpected car repairs can be a real budget buster. Even if you own a reliable car, there’s always annual maintenance and eventual repairs to be done. Since it can’t be avoided, you might as well try to save on car repair costs any time you can. Here are our 5 tips for reducing your car repair costs: Keep up the maintenance It won’t eliminate repairs entirely, but car parts last longer when properly maintained. It also minimizes the chances of something major catching you by surprise. Regular maintenance is always cheaper than a major repair caused by neglect. Do it yourself You can save on car repair costs by doing it yourself. There are books, electronic databases and videos that can help nurture your inner mechanic. Most can be accessed for free online or from your local library. Repairs aren’t always easy, but simple ones can be done with average mechanical ability and a good instructional video. Trade services If you can’t work on yor car yourself, you may know someone who can. You can offer something like dog walking, babysitting, or tech services in exchange. Compare prices and look for specials If you have a choice of where to take your car, it doesn’t hurt to shop around. Try to be proactive and get multiple quotes for upcoming repairs before you have to make a decision out of desperation. Always ask what’s included to make comparisons easier. Be wary of extremely high or extremely low estimates. Keep good records…

What to do on a Staycation? 5 Ideas That Stay On Budget

Maybe you don’t have the budget to embark on an extensive adventure or perhaps you just don’t have the time to get away from the office. Either way, a staycation lets you kick back and relax without having to pack your bags and book a flight. You might want some time to yourself or you might be looking to spend some time with your loved ones; on a staycation, anything goes! Here are some great ideas for what to do on a staycation: Have A Spa Day Planning a little at-home pampering is a great opportunity to relax and unwind. You can fire up the jets in your soaker tub or hot tub and even add some bubbles. Maybe grab some products ahead of time to do your own hair, skin or nail treatments. Bypassing a trip to a high-end, high-priced spa doesn’t mean you can’t indulge in a little R&R in your own at-home spa! Go Camping This idea is great especially if the kids are involved. You can pitch a tent in the backyard, grill hot dogs, make s’mores and sit around your own fire pit. Plus, it’s much more convenient than adventure camping because you can easily access the conveniences of your own bathroom and kitchen if need be. Not to mention, you don’t have to pay a fee to enjoy the outdoors and camp in your own backyard. Plan a New Dining Experience You may have always wanted to travel to Maine for their lobster or…

Have you heard the old saying, “You don’t know where you’re going unless you know where you’ve been”? If so, then maybe you’ll relate to the picture we think of when we talk about creating a monthly budget. After all, if you don’t know where you’re already spending your money, you don’t really know how you can prepare to save money in the future. Here are a few tips and tricks to help you along the way: • Don’t Be Afraid of Your Numbers. Sure, debt can be scary. And even scarier can be the math that results from adding up all of your debt and trying to figure out how to pay it. Don’t be afraid! The sooner you’re willing to own up to your numbers, the sooner you can put a plan into place to help you better manage the bills that are coming into your household. When you start creating a monthly budget, use a simple pen and paper to write down what you think you’re spending. This will give you a great outline to build from. • Utilize Online Banking. Even if you’re not comfortable paying your bills through online bill pay, online banking can be a great resource to help you reconcile your expenditures. Go online daily to see what’s cleared and what’s pending. Keep in mind that any checks that you’ve written, gratuities at restaurants, and payments at gas pumps are not always going to be accurately reflected in this total. You should use…

Pets are fun, and they can quickly become treasured members of our family. But, they can be expensive to care for. Here’s how to care for a pet without blowing your budget. Medical Care One of the largest expenses when it comes to your pets is medical care. However, you can protect yourself from some medical contingencies by buying pet medical insurance. For normal healthy pets, this is likely not a cost-effective option, but if you are concerned about health issues in the future, it can be a wise investment. Grooming and training Learn some basic grooming, like ear cleaning for dogs, and do it at home with natural, low cost ingredients and second hand tools, if necessary, too. You can learn to train your own pet, too. Check your local library for how-to books, or watch pet care videos online to get started.

The thing about a financial emergency is that it can come out of nowhere. You did not plan to total your car in an accident or end up needing emergency medical care. Now that something has derailed the household budget, you have to figure out a way to put things back on track. Here are some tips on how to focus your energies and get things done. Put Your Resources to Good Use Take stock of what you have in the way of resources to keep the household going. Open the pantry door and inventory all those cans, pasta, and other foods on hand. Do the same with what is in the freezer. Plan your meals for the next few weeks based on what is already in the house. If necessary, you can make a list of things to pick up at the supermarket to go with what you have in the pantry.

When considering a cash advance, you may be wondering “Does a cash advance hurt your credit score?” For better or worse, it is true that taking a cash advance can hurt your credit score. Thankfully, a cash advance can also help your credit score. Understanding reporting practices and responsible use of credit can help you avoid lowering your credit score and possibly even help raise it.   Using Northcash Will Not Affect Your Credit Score   Most consumers know that having multiple inquiries into your credit score can cause your score to drop. What fewer consumers know is that your credit score is typically only affected if the credit check is performed by one of the three main credit bureaus (Experian, Equifax, or TransUnion). While most borrowers do not require a credit score check, Northcash uses alternatives to the three main credit bureaus to check borrower credit. These agencies typically do not cause a drop in credit for the borrower. Simply taking out a cash advance should not affect your credit score when using Northcash.   Be a Good Borrower   Does a cash advance hurt your credit score? Well, it can, but borrowers who use cash advances for short term expenses find that they can actually help build credit and learn about responsible borrowing. In many situations, an early bill due date or an unexpected expense can leave families cash poor for just a few days before payday. Taking out a cash advance with the intention of simply paying…

Unexpected car repairs can be a real budget buster. Even if you own a reliable car, there’s always annual maintenance and eventual repairs to be done. Since it can’t be avoided, you might as well try to save on car repair costs any time you can. Here are our 5 tips for reducing your car repair costs: Keep up the maintenance It won’t eliminate repairs entirely, but car parts last longer when properly maintained. It also minimizes the chances of something major catching you by surprise. Regular maintenance is always cheaper than a major repair caused by neglect. Do it yourself You can save on car repair costs by doing it yourself. There are books, electronic databases and videos that can help nurture your inner mechanic. Most can be accessed for free online or from your local library. Repairs aren’t always easy, but simple ones can be done with average mechanical ability and a good instructional video. Trade services If you can’t work on yor car yourself, you may know someone who can. You can offer something like dog walking, babysitting, or tech services in exchange. Compare prices and look for specials If you have a choice of where to take your car, it doesn’t hurt to shop around. Try to be proactive and get multiple quotes for upcoming repairs before you have to make a decision out of desperation. Always ask what’s included to make comparisons easier. Be wary of extremely high or extremely low estimates. Keep good records…

Typical Moving Costs You Should Prepare For Moving into a new home is an exciting endeavor. Unfortunately, it can also be a costly one. In order to avoid sticker shock when you are undergoing a move, you should be sure to account for all of the costs related to moving before the big day. To help you better understand what moving will cost you, we are going to take a look at the typical moving costs that you should expect to be faced with. A moving truck Chances are that you have a lot more stuff than you thought you did! It is also likely that you do not have a vehicle with enough cargo space to transport all of your belongings. As such, you will need to rent a moving truck to get all of your possessions from point A to point B (especially larger items like tables and beds). Boxes Boxes are not normally thought of as a moving cost, but they won’t just magically appear out of thin air. So unless you have been hoarding enough boxes to pack up everything in your home, you will have to buy some. Fortunately, the cost of your moving boxes can often be mitigated by selling them back to recycled box sellers who will re-sell them to be used for another move. Storage facility rental Most people have more possessions than they thought. Basements, attics, garages and bedrooms are great at hiding the sheer volume of items that you own….

Birthday gifts are a great way to show someone special in your life how much you care. However, you don’t always want to derail your budget to do so. That’s why sometimes you need inexpensive birthday gift ideas. You can demonstrate your affection for them while also keeping your savings goal in check. So see our list of 3 inexpensive birthday gift ideas. Make a photo collage The world is awash in the photos of your friends and family because of social media platforms like Instagram and Facebook. So if you are looking for inexpensive birthday gift ideas, why not make a photo collage that represents your friend. You can go on their account, download the photos you want, and put them all together according to a theme. It’s a thoughtful and budget-friendly gift option. Make a print of their favorite quote If you’ve got someone your shopping for that loves inspiring quotes, this is a great option. Pick a quote and get it lettered on an 8.5 x 11 print and have it framed for their wall. It will serve as a reminder of your friendship for years to come. Offer a dinner party for two (or more!) Offering your services as a chef for a dinner for your friend (or more people!) at their apartment is another great option. Everybody wins as you and your friend get to spend time together and you both get a delicious home cooked meal. Even if you aren’t an expert chef, there…

You never know when you will need cash to pay for something you didn’t see coming. Every now and then people are hit with traffic tickets, medical bills and car maintenance issues that weren’t expected. Such an effect can be incredibly disruptive to a person’s finances and livelihood. Sometimes it means spending less money on food and entertainment just to try to put an expensive bill behind you. Many times unexpected expenses lead to financial trouble that can last for years. One way to resolve this problem is with a small short term loan. Dealing with Surprises Everyone ultimately faces financial surprises at one time or another. Ideally, over the years you will build your own safety net with a savings account, a retirement account and other investments. But many people do not have that opportunity since they either work for a small that doesn’t offer benefits or they work for themselves and struggle to pay bills. Always be aware of the alternatives so that you can make the best financial decisions that fit your needs. Resolving unexpected expenses with short term loans works if you have a steady job and a solid repayment plan. Things You Can’t Control Sometimes events happen beyond our control, forcing us to make decisions we wouldn’t normally make. Unexpected expenses can happen to anyone, involving a family emergency or a natural disaster that can destroy your home and force you to move. Another example is if you get into an accident or develop medical…

Maybe you don’t have the budget to embark on an extensive adventure or perhaps you just don’t have the time to get away from the office. Either way, a staycation lets you kick back and relax without having to pack your bags and book a flight. You might want some time to yourself or you might be looking to spend some time with your loved ones; on a staycation, anything goes! Here are some great ideas for what to do on a staycation: Have A Spa Day Planning a little at-home pampering is a great opportunity to relax and unwind. You can fire up the jets in your soaker tub or hot tub and even add some bubbles. Maybe grab some products ahead of time to do your own hair, skin or nail treatments. Bypassing a trip to a high-end, high-priced spa doesn’t mean you can’t indulge in a little R&R in your own at-home spa! Go Camping This idea is great especially if the kids are involved. You can pitch a tent in the backyard, grill hot dogs, make s’mores and sit around your own fire pit. Plus, it’s much more convenient than adventure camping because you can easily access the conveniences of your own bathroom and kitchen if need be. Not to mention, you don’t have to pay a fee to enjoy the outdoors and camp in your own backyard. Plan a New Dining Experience You may have always wanted to travel to Maine for their lobster or…

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Northcash is an economic arm of the Fort Belknap Indian Community, a federally-recognized Indian tribe located in Hays, Montana. The Tribe and its businesses have governmental sovereign immunity and have not and are not waiving that immunity for any purpose associated with the consumer lending business of Northcash and therefore Northcash is not subject to suit by you or any third-party for any reason. CAUTION: IF YOU ARE NOT COMFORTABLE DOING BUSINESS WITH A SOVEREIGN INDIAN TRIBE THAT IS NOT SUBJECT TO SUIT, YOU SHOULD IMMEDIATELY DISCONTINUE USING AND ACCESSING THIS SITE. We may from time to time in our sole discretion and without notice to you modify the terms of this Agreement and/or change the rules that govern your use of our Site.

Who is providing this notice?

North Star Finance, LLC d/b/a Northcash, an economic arm of the Fort Belknap Indian Community.

This is an expensive form of borrowing, and it is not intended to be a long-term financial solution. Northcash loans are designed to assist you in meeting your emergency borrowing needs. The Annual Percentage Rate (APR) applied to your loan will vary depending on the pay period with the maximum APR on any Northcash loan being 795%. This is a term installment loan with approximate equal payments, but you have the right to prepay at any time. Any instances of late or non-payment may be subject to additional fees, such as NSF and late fees, as well as collection activities Before borrowing, we ask that you assess your ability to repay the amount you borrow.

You acknowledge that by submitting and completing the loan application that you are applying for a loan. We verify loan applicant information through credit reporting agencies such as Clarity, Factor Trust, and DataX. We may obtain your credit information in order to determine your eligibility and ability to repay.

Northcash does not lend to residents of Arkansas, California, Georgia, Maryland, Minnesota, Montana, New York, Pennsylvania, Virginia and West Virginia, or to members of the military or their dependents.

The availability of online installment loans are subject to change at any time at the sole discretion of Northcash.


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