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Tribal installment loans online
River Valley Loans: Tribal Installment Loans up to $3,000
River Valley Loans offers tribal installment loans online, with amounts from $200 to $3,000. You repay in scheduled payments that line up with your paydays, and you see your full cost in your Loan Agreement before you sign anything.
Please read before you borrow: A River Valley Loans installment loan is an expensive form of borrowing. It is not a long-term financial solution. Borrow only what you need and can repay on schedule. Every application is subject to review and verification, and not all applicants are approved.
What Is a Tribal Installment Loan?
An installment loan is money you borrow once and repay over time in a set series of payments. Each payment lowers your balance until the loan is paid in full.
Because the balance is split across many payments, no single payment has to cover everything you owe. You know the number of payments and their due dates from the start, since both are listed in your Loan Agreement.
With River Valley Loans, you can request between $200 and $3,000. We schedule your payments around how often you get paid, so each one comes due close to payday.
Typical terms run 10 to 18 months. That spreads repayment across many paychecks instead of asking for the whole amount back at once. The whole process happens online, so you can apply from home at a time that suits you.
How It Works
Getting started takes three steps.
Get a decision
We review each application individually and verify the information you give us. If a detail needs confirming, we may reach out to you. If you're approved, you review and e-sign your Loan Agreement, which lists your APR, finance charge, and payment schedule.
Receive your funds
If you're approved, funds can arrive as soon as the next business day. If your approval comes Monday through Friday by 2:00 PM CT, same-day funding may be available. The money goes to the checking account you listed on your application.
Want to know exactly what to prepare? Our full application guide covers eligibility, the information you'll need, and what happens after you submit.
When an Installment Loan May Help
People usually look at a loan like this when something unexpected can't wait for the next paycheck. Common examples include:
- Car repair: Your car won't start and you need it to get to work, pick up your kids, or run essential errands.
- Urgent medical bill: A bill arrives that has to be paid before your budget can catch up. It may be worth asking the provider about a payment plan first.
- Overdue utility bill: You want to keep the lights, water, or heat on while you get back on track. Some utility companies also offer extended payment arrangements.
- Emergency travel: A family situation means you need to travel on short notice, and the cost can't wait until payday.
A loan like this is for a one-time gap. If you find yourself borrowing to cover regular monthly bills, it won't solve the underlying shortfall. Compare other options first, and borrow only an amount you are confident you can repay.
Why Borrowers Choose River Valley Loans
- No prepayment penalty. Pay your loan off ahead of schedule and you owe only what has built up through your payoff date. Extra payments can lower your total cost too, whether you make them on a due date or between due dates.
- Time to change your mind. You can cancel your loan at no charge through the second business day after your funds are disbursed. If you decide the loan isn't right for you after all, that window gives you room to step back.
- Funding that fits a tight timeline. Approved loans can fund as soon as the next business day, and same-day funding may be available if you're approved Monday through Friday by 2:00 PM CT.
- Real people to talk to. Our customer service team is available by phone and email on weekdays and Saturdays. You can ask about your application, a payment, or your account and get answers from a person.
- Returning customers. Returning customers may be eligible for better rates and higher loan amounts on later loans.
Rates and Loan Terms at a Glance
Here is a quick summary of how our loans are set up.
Loan Amount
$200 to $3,000. First-time borrowers may qualify for up to $3,000, although not every applicant qualifies for the top amount.
Loan Term
Typically 10 to 18 months, depending on your loan. Your exact term and number of payments are listed in your Loan Agreement.
Payment Frequency
Payments are scheduled to match how often you are paid, which helps each due date land close to payday.
Prepayment
No penalty for paying early, in part or in full. Paying ahead of schedule can reduce what the loan costs you overall.
Estimate your payments
Calculator results are estimates only. Your actual APR, finance charge, and payment amounts depend on your application and are disclosed in your Loan Agreement.
This tool does not use or display an APR. River Valley Loans does not publish APR on this page. See your Loan Agreement for the actual cost.
What this estimate can show
Choose an amount between $200 and $3,000. The number of scheduled payments follows the term you pick. It is not a quote and does not imply approval.
Fees, the factors behind your APR, and the states we serve are all explained on one page.
Frequently Asked Questions
What is River Valley Loans?
River Valley Loans is the trade name of Wahido Lending, a tribal lending entity under the Crow Creek Sioux Tribe. The Tribe is a federally recognized tribe in South Dakota. We offer consumer installment loans online.
What type of loan do you offer?
We offer consumer installment loans. You repay the loan in a series of scheduled payments, timed to match how often you get paid, until the balance is paid off.
How much can I borrow?
You can apply for $200 to $3,000. First-time borrowers may qualify for as much as $3,000, but the amount you're offered depends on your application, and you may qualify for less than the maximum.
How long do I have to repay?
Most loans have a term of 10 to 18 months. Your payment dates follow your pay schedule, and your Loan Agreement shows every due date before you sign.
Can I qualify with bad credit?
We consider applicants with all types of credit backgrounds, so a low score does not automatically rule you out. We may verify your information through Clarity and Factor Trust, and not every applicant is approved.
What do I need to apply?
You need to be at least 18, not in active bankruptcy, and able to provide verifiable contact information and income. You also need an active checking account in your name, since prepaid card accounts are not accepted. Our Apply page walks through the full checklist.
How fast will I get my money?
If you're approved, your funds can be deposited as soon as the next business day. Same-day funding may be possible when your loan is approved Monday through Friday by 2:00 PM CT.
Do you lend in my state?
It depends on where you live, and the states we serve change frequently. You can check the current list in the state availability section of our rates and terms page.
Is there a penalty for paying early?
No, we never charge a prepayment penalty. When you pay off your loan, you owe only the amounts accrued up to your payoff date, so paying early can reduce what you spend overall.
Can I cancel after signing?
Yes. You may cancel your loan free of charge until 5:00 PM South Dakota Time on the second business day after it is disbursed.
Do you report to credit bureaus?
No. We do not report loans to the three major credit bureaus, so your payments with us will not show up on those reports. We may verify your information through Clarity and Factor Trust when you apply.
Is River Valley Loans a tribal lender?
Yes. We are a tribal lending entity under the Crow Creek Sioux Tribe, licensed under Tribal law, and our loans are subject to Tribal and applicable federal law, not State law. Read more about our ownership and governing law on our About page.
Is my information secure?
We use security technology designed to protect your personal information from unauthorized access. Our Privacy Policy explains how we handle and share the information you give us.
How do I reach customer support?
Call us at (833) 987-4887 or email customerservice@getgetrivervalleyloans.com. We're available Monday to Friday, 7 AM to 7 PM CT, and Saturday, 8 AM to 4:30 PM CT. You can also send a message through our Contact Us page.
Ready to Apply?
If a short-term installment loan fits your situation, you can start your application online. Take a moment to review your budget first and make sure the payments will work for you. Have your income details and checking account information nearby, and set aside a few quiet minutes to complete the form.