About WEST RIVER CASH
WEST RIVER CASH is a tribal lending entity owned and operated by the Cheyenne River Sioux Tribe. Founded in 2017, they provide online installment loans designed to help customers address immediate financial needs with flexible repayment options over longer terms than typical payday loans.
As a tribal lender, WEST RIVER CASH operates under the sovereign immunity of the Cheyenne River Sioux Tribe, allowing them to offer loan products that may differ from those regulated by state laws. They specialize in providing installment loans to borrowers with various credit backgrounds, including those with less-than-perfect credit scores who might face challenges obtaining loans from traditional financial institutions.
Loan Types
Installment Loans, Short-Term Loans
Loan Amounts
$500 - $5,000
APR Range
195% - 398%
Funding Time
As soon as next business day
Contact Information
Website
www.westrivercash.comAddress
112 Tribal CircleEagle Butte, SD 57625
United States
Loan Products Offered by WEST RIVER CASH
WEST RIVER CASH offers several loan products designed to meet different financial needs. Below is detailed information about each type of loan they provide:
Installment Loans
WEST RIVER CASH's primary offering is installment loans, which provide lump-sum funding for various purposes, from emergency expenses to debt consolidation. These loans typically range from $500 to $5,000 with fixed repayment terms and scheduled payments over time.
Key Features:
- Lump-sum funding for larger expenses
- Fixed interest rates for the life of the loan
- Predictable bi-weekly or monthly payments
- Repayment terms from 6 to 36 months
- No restrictions on how funds can be used
- No prepayment penalties
Short-Term Loans
For customers who need smaller amounts of money with shorter repayment periods, WEST RIVER CASH offers short-term loans. These loans provide quick access to funds for immediate financial needs.
Key Features:
- Loan amounts from $500 to $1,500
- Repayment terms from 2 to 6 months
- Higher approval rates for customers with challenged credit
- Simple application process
- Quick funding, often by the next business day
Loan Comparison
| Loan Type | Amount Range | Term Length | APR Range | Funding Time |
|---|---|---|---|---|
| Installment Loans | $500 - $5,000 | 6 - 36 months | 195% - 398% | Next business day |
| Short-Term Loans | $500 - $1,500 | 2 - 6 months | 289% - 398% | Next business day |
Customer Reviews & Testimonials
WEST RIVER CASH made getting a loan incredibly easy. Their online application took less than 10 minutes to complete, and I was approved the same day. The funds were in my account by the next morning, exactly when they said they would be. Their customer service team was also very helpful when I called with questions.
I was really impressed with how clear WEST RIVER CASH was about their loan terms. They took the time to explain everything, and there were no hidden fees or surprises. Yes, the interest rate is high, but they were upfront about it from the start. The application process was straightforward, and the funding was fast.
When my car needed urgent repairs, WEST RIVER CASH came through for me. I had been turned down by several traditional lenders, but they approved my loan despite my less-than-perfect credit. The interest rate is definitely high, so I'm paying it off as quickly as possible, but they were there when I needed emergency funds.
Note: These reviews represent the experiences of individual customers and may not reflect everyone's experience with WEST RIVER CASH. Loan experiences can vary based on individual financial situations, loan terms, and other factors.
How to Login to WEST RIVER CASH's Website
Accessing your WEST RIVER CASH account online is simple and allows you to manage your loan, make payments, and view your account details. Follow these steps to log in to your account:
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Visit the Official Website
Open your web browser and navigate to www.westrivercash.com.
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Locate the Login Area
Look for the "Login" or "Customer Login" button, typically located in the top-right corner of the homepage.
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Enter Your Credentials
Enter your email address and password in the designated fields. These credentials were created when you first applied for your loan or set up your online account.
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Click "Login" or "Sign In"
After entering your credentials, click the login button to access your account dashboard.
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Navigate Your Account Dashboard
Once logged in, you can view your loan details, check payment due dates, make payments, update your personal information, and more.
Helpful Tips:
- Forgot Password? If you can't remember your password, look for the "Forgot Password" link near the login form. Follow the instructions to reset your password via email.
- First-Time Login: If this is your first time logging in, you may need to set up your online account using information from your loan agreement or welcome email.
- Security Best Practices: Always ensure you're on the official WEST RIVER CASH website before entering your credentials. Look for "www.westrivercash.com" in the URL and a lock icon in your browser's address bar.
- Mobile Access: WEST RIVER CASH's website is mobile-responsive, allowing you to manage your account from your smartphone or tablet with ease.
Need Help Logging In?
If you experience any issues accessing your account, contact WEST RIVER CASH's customer support team:
- Phone: 877-319-4145
- Email: [email protected]
- Hours: Monday-Friday, 7am-9pm CST
Frequently Asked Questions About WEST RIVER CASH
Frequently Asked Questions
Find answers to common questions about WEST RIVER CASH tribal loans.
WEST RIVER CASH offers two main loan products: Installment Loans with amounts ranging from $500 to $5,000 and terms from 6 to 36 months, and Short-Term Loans with amounts from $500 to $1,500 and terms from 2 to 6 months. Both loan types are designed to help customers address financial needs with flexible repayment options.
After approval, WEST RIVER CASH typically deposits funds into your bank account by the next business day. For applications approved before 3:00 PM CST on banking business days, same-day funding may be available. The exact timing can depend on your bank's processing times for incoming transfers.
To qualify for a loan from WEST RIVER CASH, you generally need to: be at least 18 years old, have a regular source of income, have an active checking account in your name, be a U.S. citizen or permanent resident, provide a valid email address and phone number, and not be active duty military (due to Military Lending Act restrictions).
WEST RIVER CASH's loans typically have APRs ranging from 195% to 398%, depending on your specific loan terms, amount borrowed, repayment schedule, and other factors considered during the application process. Their installment loans generally have lower APRs than their short-term loans.
WEST RIVER CASH may perform credit checks as part of their approval process, but they typically consider factors beyond just your credit score. Their evaluation includes your income, employment history, and other financial indicators. Many customers with less-than-perfect credit are still able to qualify for their loan products.
Repayments for WEST RIVER CASH loans are typically made through automatic withdrawals from the same bank account where your loan funds were deposited. Payments are scheduled according to your pay schedule (bi-weekly, semi-monthly, or monthly). You can also make manual payments through your online account or by contacting customer service.
Yes, WEST RIVER CASH allows early repayment of loans without prepayment penalties. Paying off your loan early can help you save on interest charges. You can make extra payments or pay the full remaining balance at any time through your online account or by contacting their customer service team.
WEST RIVER CASH operates in many states across the U.S., but not all. As a tribal lender, their availability may differ from state-regulated lenders. To check if they serve your state, visit their website and start the application process, or contact their customer service team directly for the most current information.
Our Verdict on WEST RIVER CASH
WEST RIVER CASH offers accessible loan options for borrowers who may have limited alternatives due to credit challenges or urgent financial needs. Their streamlined application process, quick approval decisions, and fast funding make them a viable option for emergency expenses and short-term financial needs.
Their commitment to transparency is notable, with clear disclosure of loan terms and costs before customers commit. Their customer service team receives high marks for helpfulness and thoroughness in explaining loan details. However, like most tribal lenders, their loans come with significantly higher interest rates compared to traditional financial institutions.
Pros
- Simple, user-friendly online application process
- Fast approval decisions, often within minutes
- Next-day funding, with same-day options available
- Available to borrowers with less-than-perfect credit
- Flexible loan options with various term lengths
- No prepayment penalties
- Excellent customer service with extended hours
Cons
- High interest rates compared to traditional lenders
- Not available in all states
- Higher cost of borrowing makes these loans expensive for long-term use
- Tribal lender status means different regulatory oversight than state-licensed lenders
- Automatic withdrawal payment system may not suit all borrowers