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This is an expensive form of borrowing and it is not intended to be a long term financial solution. Please note: River Valley loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. Our fees are disclosed in your loan agreement. If you do not make a payment on time, we will attempt to contact you via one or more authorized methods. We adhere to the principles of the federal Fair Debt Collection Practices Act (FDCPA). We may report your payment history to one or more credit bureaus. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.
The typical application and verification process requires a phone call with our customer service team.
As part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.
River Valley Loans reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases including, but not limited to, Clarity and Factor Trust and we may pull your credit in order to determine your eligibility and ability to repay.
River Valley Loans does not lend to residents of Arkansas, Connecticut, District of Columbia, Illinois, New York, Pennsylvania, South Dakota, Vermont, Virginia, West Virginia. Availability of installment loans are subject to change at any time at the sole discretion of River Valley Loans.
Wahido Lending, dba River Valley Loans, a wholly owned subsidiary of Dakota Economic Development Corporation (“DEDC”), a sovereign economic arm, enterprise, and instrumentality of, and created under the laws of and for the benefit of, the Crow Creek Sioux Tribe, a federally recognized sovereign American Indian tribe in South Dakota, which abides by the principles of federal consumer finance laws, as incorporated under the laws of the Crow Creek Sioux Tribe.
Loan applications fully verified and approved Monday-Thursday by 6:30 pm Central time will be funded as soon as the next business day. Loan applications fully verified and approved Friday by 6:30 pm Central time will be funded as soon as the following Monday so long as the Monday is not a bank holiday.
*Some loans may be eligible for free same-day funding if approved Mon-Fri by 2:00pm Central Time. Deposit times may vary depending on your financial institution. Same-day funding is not available in all states. River Valley Loans is not responsible for any additional charges applied by your financial institution.