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But by 2010, various federal regulators had all but shut down the arrangement. Rees needed a new way to keep his business alive. The solution he found was relatively straightforward: Hed work with Native American tribes, which are exempt from state regulations.
Think Cash renamed itself Think Finance, and in early March 2011 sent a letter to the Chippewa Cree Tribe proposing that they create a joint lending venture. Such arrangements between online payday loan companies and Native American tribes have become increasingly popular.
Indeed, as the rent-a-bank model has waned in the face of government regulations, the rent-a-tribe model has taken off in recent years.
In order to get my application processed accordingly, I submitted the duly-signed personal loan form from them, a copy of my ITR, one month payslip, and a copy of two valid IDs. Normally, and based on the expectations given to me, the approval time would take between one to two weeks. But in my case, it only took one week for me to get an approval message from them that my loan amount was ready for claim.
It has been an easy transaction for me, and I am guessing it helps that I. Unlike other banks, BDO is no longer mailing account statements of your loan due date. Instead, they sent me a loan card, indicating my monthly due amount and date. Payment scheme was also more convenient with BDO because they accept over-the-counter payment, or savings deduction.
I chose the first option than issue them post-dated check or have them deduct my monthly dues to my savings account. This way I have full control of my own savings.
When it comes which bank personal loan easy approval malaysia interest rates, BDO gives lower rates.