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FAQ

Frequently Asked Questions

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Get clear, straightforward answers about your loan, payments, and account so you can find what you need. 

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It’s a loan you pay back through a set number of scheduled payments spaced at regular intervals, rather than all at once. Before you accept your offer, you’ll see exactly how much you owe in total and the full payment schedule.

Instead of one lump-sum repayment like a payday loan, a short-term installment loan is repaid gradually through scheduled payments over time, giving you more predictability and flexibility along the way.

Qualifying for a short-term installment loan from Volriva is easier than you might expect. Check these boxes, and there’s a good chance we can get you the funding you need:

  • Receive regular income
  • Are at least 18 years old and a U.S. citizen
  • Have an active checking account
  • Are not currently serving in the military, and are not the dependent of someone who is

* Other requirements may apply.

Yes. We look at applicants across the credit spectrum: strong, challenged, or limited history alike. Credit is only one piece of how we evaluate your eligibility.

First-time borrowers may qualify for up to $2,000. Returning customers may be eligible to borrow up to $2,500, subject to approval and applicable state regulations.

Your rate depends on several factors, including credit history, income, existing financial obligations, loan amount, and state regulations. Whatever the outcome, your exact rate and total cost are disclosed up front, before you ever accept a loan.

We do check credit information to help determine your eligibility and loan terms, but this is not a hard credit inquiry and won’t hurt your credit score.

If you go on to accept a loan, information about your account may then be reported as permitted by law.

We’ll email you once your application has been reviewed, letting you know what to do next. If you’re approved, you’ll get your full loan offer and terms to look over before you accept anything.

Apply and get approved before 3:30 p.m. CST, Monday through Friday, and your loan is typically funded the next business day (Monday through Friday, excluding federal holidays). Need it faster? Call 877-358-7722 to request Real-Time Funding.* If you apply online through your account portal, Real-Time Funding is applied automatically whenever your loan is approved after our 3:30 p.m. CST same-day ACH cutoff on a weekday, or at any time on a Saturday or Sunday. If Real-Time Funding isn’t available, or your bank can’t process a same-day transaction, we’ll send your money using the next fastest method we have.

*Real-Time Funding Disclaimer: Real-Time Funding can get you money right away, but it’s subject to your bank’s own processes, and your bank may charge you a fee for it. Even for eligible customers, exactly when funds show up in your account depends on your bank’s timing. Volriva itself never charges for Real-Time Funding, but check with your bank before applying online or calling to request it, since they may have fees or restrictions of their own.

To get funded as quickly as possible, keep an eye out for your confirmation email and reply promptly — it includes your username and password. Don’t see it? Check your spam folder. Still nothing? Call Customer Service at 877-358-7722 and we’ll sort it out.

Once you’re approved and your loan agreement is finalized, we send your funds straight to your active checking account by ACH transfer. Exactly when it lands depends on your bank.

Your loan agreement spells out a payment schedule with your due dates and amounts. With your authorization, payments are typically withdrawn electronically from your checking account on those dates, no extra effort required on your part.

You’re also free to make additional payments or pay off your loan early whenever you’d like. There’s no penalty for paying early, and doing so can lower your total loan cost.

Prefer to pay by mail? Send a cashier’s check or money order to:

Sunfish Lending LLC DBA Volriva
PO Box 129
Keshena, WI 54135

Questions about your payment options? Our Customer Support team is available at 877-358-7722.

Absolutely. You can put extra money toward your principal at any time, or pay off your loan early altogether, with no prepayment penalty either way. Paying early can also reduce the total interest you pay.

Paying it off early is the most effective way to cut costs. This can be done through extra payments toward your principal or by repaying the full balance ahead of schedule, and there are no prepayment penalties either way.

You can also apply eligible rewards points toward your principal to shrink your total cost even further.

To make an extra payment, log into your account and select “Payment Options.” Need a hand? Contact Customer Support at 877-358-7722.

A $30 NSF fee may apply if a scheduled payment is returned for insufficient funds, or otherwise not honored by your bank.

There’s no fee for paying early.

You’ll find your exact payment amounts, due dates, APR, and any applicable fees clearly laid out in your loan agreement before you ever accept an offer, and you can review or download your loan documents anytime by logging into your account.

Missing a scheduled payment may bring additional fees, as outlined in your loan agreement. Reach out to Customer Support as soon as you can, we’re happy to walk through your options and help you get back on track.

Log into your account portal with your username and password anytime to view your documents. Your agreement and related paperwork stay accessible for the life of your loan.

Need help getting to your documents? Contact Customer Support at 877-358-7722, we can walk you through it or send copies on request.

Yes. Just log into your account portal and update your payment settings there. Make any changes before your scheduled payment date so they take effect in time.

Need a hand? Contact Customer Support at 877-358-7722.

You can cancel your loan free of interest charges up until 3:30 p.m. CST on the second business day after your Disbursement Date.

Your Disbursement Date is the day we send funds to your financial institution, which isn’t necessarily the same day your bank makes them available in your account. To cancel, contact Customer Support at 877-358-7722 as soon as you can so we can start the return process.

Missed the cancellation window? You can still pay off your loan early at any time with no prepayment penalty, you’ll only owe interest that’s accrued up to your payoff date.

Yes. We protect your personal and financial information with secure encryption and industry-standard safeguards, and our systems are built to meet established physical and digital security standards.

For more on how we collect, use, and protect your information, take a look at our Privacy Policy.

Sunfish Lending LLC, doing business as Volriva, is owned and operated by the Menominee Indian Tribe of Wisconsin, a federally recognized Indian Tribe. Volriva follows the federal laws and regulations the Tribe has incorporated into its own.

As a tribally owned entity, Volriva operates under Tribal law and its own established lending regulations, and certain state laws may not apply to our products.

Whatever the case, every loan’s terms, rates, and fees are fully disclosed before you accept your agreement.