Frequently Asked Questions About Installment Loans

What is an installment loan?

An installment loan is a way to borrow money and pay it back over time through scheduled payments. Payment amounts are typically the same, with the possible exception of first and last payments. The loan amount, interest rate and number of payments determine the payment schedule. At Blue Trust Loans, the payback period for new customers is usually 9 months and we typically schedule loan payments on the customers’ paydays. For instance, a new customer who gets paid bi-weekly or twice a month would have 18 payments over the 9-month period. You can choose to pay off your loan early without penalty. If you’d like to pay extra on a scheduled payment due date, the extra money will go to reduce your loan’s principal. Any additional payment amount you make may shorten your payback period or lower the total fees you pay on the loan. For more information, call Customer Service.

How can I qualify for a Blue Trust Loans loan?

It's easy!

  • Provide a verifiable source of direct deposit income into your checking account.
  • Have an open checking account that meets our "bank account minimum opened duration" requirements.
  • You need to be at least 18 years old and a United States resident.
  • Your take-home pay has to meet our minimum income requirements.
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.

What will happen after I complete my application?

Your application is reviewed according to our underwriting rules. Typically, you’ll find out right away if you are approved. If so, you’ll need to

  • eSign your loan documents and
  • Call us 24-7 for a brief conversation to verify your information.

When your loan is approved, you also become a member of the Club Blue Rewards Program.

After I submit my application, how long will it take before I hear back from you?

You can call us immediately at 1-877-770-2682, or if you prefer, schedule a time for us to call you. If you don’t select either option, we’ll try to contact you. We are available 24-7.

How soon after applying will I get my money?

Once you finalize your loan, your money could be deposited into your checking account as soon as today with our FREE same day funding option.*

What is the maximum loan amount that I can qualify for?

First-time Blue Trust Loans customers can apply for up to $1,500 and returning customers who are part of Club Blue Rewards may qualify for up to $3,000, depending on the Rewards Program tier.

When will I need to repay my loan?

Your payments will be due on scheduled payment due dates, which generally correspond with your pay dates. Most installment loans are 9 months for new customers; however, you can pay off in full at any time without penalty. Each loan paid in full and on time counts toward advancing tiers in Club Blue.

Can I pay my loan back early?

Yes. There are no penalties for early payback. It could also lower the finance charges you pay. When you pay back a loan in full, with no missing or late payments, it counts toward progressing tiers in Club Blue.

What if I have problems making a payment?

Please contact us our representatives are available 24-7 to help you explore your options and remain in good standing.

I don't have a printer and I want to print a copy of my loan documents. Can I get my documents another way?

Yes! You can receive your loan documents by email or fax. Just call 1-877-770-2682 at your convenience, 24-7, to let one of our representatives know.

Are your loans secure and confidential?

Absolutely! All the loans we make are transacted on our secure servers and utilize industry standard security protocols. Your non-public information is completely confidential and protected by our Privacy Policy.

What is the Equal Credit Opportunity Act?

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.

What is our Privacy Policy?

This Blue Trust Loans privacy policy (the "Privacy Policy") is intended to inform you of our policies and practices regarding the collection, use and disclosure of any information you submit to us through www.bluetrustloans.com This includes "Personal Information," which is information about you that is personally identifiable such as your name, e-mail address, full content of your e-mail, user ID number, and other non-public information that is associated with the foregoing.

User Consent
By accessing or otherwise using this website, you agree to this Privacy Policy and expressly consent to the processing of your Personal Information in accordance with this Privacy Policy. Your Personal Information may be processed by us in the country where it was collected as well as other countries (including the United States) where laws regarding processing of Personal Information may be less stringent than the laws in your country.

FACTS

WHAT DOES BLUE TRUST LOANS DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. In general, we collect Personal Information that you submit to us voluntarily through bluetrustloans.com but we may also request optional information to support your use of www.bluetrustloans.com. This information can include but is not limited to the following:

  • Social Security number and bank account information
  • account balances and income
  • payment history and credit history
  • text messages and information contained in those messages

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reason Blue Trust Loans chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Blue Trust Loans share?

Can you limit this sharing?

For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes – to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates' everyday business purposes – information about your transactions and experiences

Yes

No

For our affiliates' everyday business purposes – information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates to market to you

Yes

Yes

To limit our sharing
  • Call 877-770-2682 – our menu will prompt you through your choice(s) or
  • Visit us on the web at www.bluetrustloans.com, select “Contact” and follow the Opt-Out e-mail link.

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date you sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 877-770-2682 or go to www.bluetrustloans.com.

Who we are

Who is providing this notice?

Blue Trust Loans is providing this privacy policy and it applies to all loans made by the company and all products and services offered in connection with such loans.

What we do

How does Blue Trust Loans protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Blue Trust Loans collect my personal information?

We collect your personal information, for example, when you

  • Apply for a loan
  • Give us your income information
  • Tell us where to send the money
  • Provide account information
  • Provide employment information
  • Provide Feedback

Personal Information from Other Sources

We also collect your personal information from others, such as credit bureaus, affiliates, companies who we have partnered with (collectively, "Partners") or other companies. We may associate this information with the other Personal Information we have collected about you.

Information Collected Via Technology

As you use Blue Trust Loans, certain information may also be passively collected and stored on our or our service providers' server logs, including your Internet protocol address, browser type, and operating system. We also use Cookies and navigational data like Uniform Resource Locators (URL) to gather information regarding the date and time of your visit and the solutions and information for which you searched and viewed, or on which of the advertisements displayed on Blue Trust Loans you clicked.

This type of information is collected to make Blue Trust Loans and solutions more useful to you and to tailor the experience with Blue Trust Loans to meet your special interests and needs.

We or our service providers, may track your IP Address when you access Blue Trust Loans to assist with ad targeting.

We may use both session Cookies (which expire once you close your web browser) and persistent Cookies (which stay on your computer until you delete them) to provide you with a more personal and interactive experience with Blue Trust Loans. In order to use our services offered through Blue Trust Loans, your web browser must accept Cookies. If you choose to disable Cookies, some aspects of Blue Trust Loans may not work properly, and you may not be able to receive our services.

We may share your content preferences and other information with the social network from which you have connected to Blue Trust Loans, along with those companies and persons you have asked us to share your information with.

Additionally, if you provide feedback to us, we may use and disclose such feedback for any purpose, provided we do not associate such feedback with your Personal Information. We will collect any information contained in such feedback and will treat the Personal Information in it in accordance with this Privacy Policy. You agree that any such comments we receive becomes our property. We may use feedback for marketing purposes or to add to or modify our services without paying any royalties or other compensation to you.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control.
Our affiliates include financial companies such as other lenders and non-financial companies such as marketing and servicing companies.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include other lenders and direct marketing companies.

Cookies

Small pieces of information that a website sends to your computer's hard drive while you are viewing a website.

Internet Protocol Address or "IP Address"

A number that is automatically assigned to your computer when you use the Internet. In some cases, your IP Address stays the same from browser session to browser session; but if you use a consumer internet access provider your IP Address probably varies from session to session.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners can include institutions such as other lenders or marketers.

Other:

We may provide your Personal Information to third-party service providers who work on behalf of or with us to provide some of the services and features of Blue Trust Loans and to help us communicate with you. We require our third-party service providers to promise not to use such information except as necessary to provide the relevant services to us. If you do not want us to use or disclose Personal Information collected about you in the manner identified in this Privacy Policy, you should not use Blue Trust Loans

In the event we go through a business transition such as a merger, acquisition by another company, sale of all or a portion of assets, or other business transition, your Personal Information may be among the assets transferred. You acknowledge that such transfers may occur and are permitted by this Privacy Policy, and that any acquirer of ours may continue to process your Personal Information as set forth in this Privacy Policy.

We may disclose your Personal Information if we believe in good faith that such disclosure is necessary to (a) comply with relevant laws or to respond to subpoenas or warrants served on us; or (b) to protect and defend our rights or property, you, or third parties. You hereby consent to us sharing your Personal Information under the circumstances described herein.

Blue Trust Loans may contain links to other websites. Please be aware that we are not responsible for the privacy practices or the content of such other websites. This Blue Trust Loans privacy policy applies solely to information collected by us through www.bluetrustloans.com and does not apply to these third-party websites. The ability to access information of third-parties from Blue Trust Loans, or links to other websites or locations, is for your convenience and does not signify our endorsement of such third-parties, their products, their services, other websites, locations or their content.

Our third-party platform provider is a third-party beneficiary of our third-party service provider’s arbitration, class action, and jury waiver provisions.

Web browser: You can opt-out of receiving personalized ads by clicking on the blue icon that typically appears in the corner of the ads we serve and by following the instructions provided by clicking [HERE]. Please note that this “opt-out” function is browser-specific and relies on an “opt-out cookie”, thus, if you delete your cookies or upgrade your browser after having opted out, you will need to opt-out again. If you use a Safari browser, please also see directions regarding our cookie-less technology opt-out below.

Mobile Device Opt-Out: To opt-out of receiving targeted ads that are based on your behavior across different mobile applications follow the instructions below for iOS and Android devices:

     iOS 7 or Higher: Go to your Settings> Select Advertising> Enable the “Limit Ad Tracking” setting; and

     For Android devices with OS 2.2 or higher and Google Play Services version 4.0 or higher: Open your Google Settings App> Select Ads> Enable “Opt-out of interest-based advertising”.

Industry Opt-Out Tools and Self-Regulation: You may use the NAI opt-out tool [HERE] which will allow you to opt-out of seeing personalized ads from us and form other NAI approved member companies.

Hummingbird Funds, LLC is a sovereign enterprise, an economic development arm and instrumentality of, and wholly-owned and controlled by, the Lac Courte Oreilles Band of Lake Superior Chippewa Indians (the “Tribe”), a federally-recognized sovereign American Indian Tribe. What does it mean to do business with a sovereign enterprise?

This means that the Hummingbird Funds’ installment loan products are provided by a sovereign government and the proceeds of our business fund governmental services for Tribe citizens. This also means that Hummingbird Funds is not subject to suit or service of process. Rather, Hummingbird Funds is regulated by the Tribe. If you do business with Hummingbird Funds, your potential forums for dispute resolution will be limited to those available under Tribal law and you loan agreement. As more specifically set forth in Hummingbird Funds’ contracts, these forums include informal, but affordable and efficient Tribal dispute resolution, or individual arbitration before a neutral arbitrator. Otherwise, Hummingbird Funds is not subject to suit or service of process. Neither Hummingbird Funds nor the Tribe has waived its sovereign immunity in connection with any claims relative to use of this website or for any forums other than those specifically set forth in Hummingbird Funds’ contracts. IF YOU ARE NOT COMFORTABLE DOING BUSINESS WITH A SOVEREIGN INSTRUMENTALITY THAT CANNOT BE SUED IN COURT, YOU SHOULD DISCONTINUE USE OF THIS WEBSITE AND YOU SHOULD NOT BORROW MONEY FROM HUMMINGBIRD FUNDS.

It is our belief and goal that doing business with our sovereign enterprise should be a positive experience. We pride ourselves on excellent customer service. Also, the Tribe has developed customer-friendly, efficient procedures for affordable resolution of any Hummingbird Funds customer dispute. We also offer the option of individual arbitration before a neutral arbitrator if neither customer service nor the Tribe’s dispute resolution protocol solve the problem. The Tribe works hard to ensure fairness and ease of use for positive Hummingbird Funds customer experiences. Our goal is to always make it right for the customer.

What will my loan cost?

The interest rate set forth in the pricing grid below is derived from the concept of charging a fee per $100 borrowed per pay period. This method is used to calculate an interest rate on an amortizing loan. You can also pay your loan back early without penalty. In fact, prepaying in full may reduce the finance charges you pay.

The information in this table does not reflect the discounts that Club Blue Rewards members receive when ACH is selected as the payment method.

Rates Per $100 By Payment Method

Weekly Pay Period

Bi-Weekly Pay Period

Semi-Monthly Pay Period

Monthly Pay Period

New Customer

up to $14.75

up to $29.50

up to $29.50

up to $59.00

Returning Customer

Electronic Debit Authorization (ACH)

See Rewards Tier Discounts

See Rewards Tier Discounts

See Rewards Tier Discounts

See Rewards Tier Discounts

Non-ACH methods

$12.25

$24.50

$24.50

$49.00

Loan Payment Information

All loans have an agreed upon due date as covered in the customer loan agreement. If payment is not received by the due date, non sufficient funds fees or other fees may apply as detailed in each customer loan agreement. All collections efforts on past due accounts are conducted in a professional, fair and lawful manner in accordance with applicable laws. For customers having difficulty repaying their loan, repayment plans may be available. For further information please contact our customer service representatives at 877-770-2682.

*Same Day Funding is available on business days where pre-approval, eSignature of the loan agreement and completion of the confirmation call, if a call is required, have occurred by 11:45 a.m. Eastern Time and a customer elects ACH as payment method. Other restrictions may apply. Certain financial institutions do not support same day funded transactions. When Same Day Funding is not available, funding will occur the next business day.

Hummingbird Funds, LLC is a sovereign enterprise, an economic development arm and instrumentality of, and wholly-owned and controlled by, the Lac Courte Oreilles Band of Lake Superior Chippewa Indians (the “Tribe”), a federally-recognized sovereign American Indian Tribe. This means that the Hummingbird Funds’ installment loan products are provided by a sovereign government and the proceeds of our business fund governmental services for Tribe citizens. This also means that Hummingbird Funds is not subject to suit or service of process. Rather, Hummingbird Funds is regulated by the Tribe. If you do business with Hummingbird Funds, your potential forums for dispute resolution will be limited to those available under Tribal law and your loan agreement. As more specifically set forth in Hummingbird Funds’ contracts, these forums include informal, but affordable and efficient Tribal dispute resolution, or individual arbitration before a neutral arbitrator. Otherwise, Hummingbird Funds is not subject to suit or service of process. Neither Hummingbird Funds nor the Tribe has waived its sovereign immunity in connection with any claims relative to use of this mobile site. If you are not comfortable doing business with a sovereign instrumentality that cannot be sued in court, you should discontinue use of this website.

© 2022 Hummingbird Funds, LLC, All Rights Reserved.
P.O. Box 1754•Hayward, WI 54843
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