Loan FAQ

First time borrowers may qualify up to $1,500 and returning customers may qualify up to $5,000

Once an online application is submitted, we will verify the information and then notify you through email whether you are approved or not. When the verification process is complete, you’ll be offered what you qualify for and will be requested to electronically sign your loan agreement to finalize the loan offer.

Be at least 21 years old
Receive consistent income from a reliable source
Have a checking account
Has not nor plans to file for bankruptcy

Applications that are approved prior to 2:00 PM CST are typically funded on the same business day.
Applications that are approved after 2:00 PM CST are typically funded within the next business day.

An open checking account that is in good standing and is set up to receive direct deposits.

Your loan will be paid off through a series of weekly, bi-weekly, or semi-monthly payments align with your income deposit dates over the period of one year.

The most common method of payment is electronic payment scheduled on the payment due dates set forth on the Payment Schedule in your loan agreement. This is the most convenient method as you will not have to worry about ensuring timely delivery of loan payments to us. Alternative payment arrangements may be made as further detailed in your loan agreement.

If you know you will not have enough funds available on the date a payment is due, please contact us no later than 3 business days prior to the payment date so the appropriate arrangements can be made for your account.

If you are no longer in need the loan, you have 24 hours after funds are deposited into your account to reverse the loan. Please contact us as soon as possible so we can guide you through this process.

The application process for a payday loan and installment loan are similar, however, where they differ is the terms in which the loan is paid back. Payday loans are expected to be paid in full on your next pay date, and installment loans allow customers to pay back their loan over a period of time with fixed payments.

Didn’t find the answer you were looking for?

The West Side Lending customer service team is here to help! Whether you are a current or future customer, don’t hesitate to reach out with any questions or concerns you may have.

We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt.

Loan Applications approved and processed by 2:00 PM CST of any business day will be funded the same day; Loan Applications approved and processed after 2:00 PM CST will be funded by the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” may extend the time for the deposit and may cause a change in the Disbursement Date as disclosed herein.

West Side Lending LLC is an economic arm and instrumentality of the Menominee Indian Tribe of Wisconsin, a federally recognized sovereign Indian nation (the “Tribe”) that adheres to federal consumer finance laws and operates within the boundaries of the Tribe's reservation. West Side Lending LLC is chartered under and operates pursuant to Tribal Law. Funds borrowed from West Side Lending LLC are governed by federal law and the laws of the Tribe, not the law of the state where you reside. Nothing in this communication should be construed as a waiver of sovereign immunity, which is expressly reserved.

Please note: This is an expensive form of credit. West Side Lending’s loans are designed to assist you in meeting your short-term borrowing needs and are not intended as a long-term credit or financial solution. Examples of unexpected emergencies for which this credit might be used are car repair bills, medical care, or essential travel expenses. Appropriate alternatives to West Side Lending’s credit product are cash advances, personal loans, home equity lines of credit, existing savings, or borrowing from a friend or relative, as such alternatives may be less expensive and a better fit for your financial needs.

The Annual Percentage Rate (“APR”) as applied to your loan will range from 630%-780% depending on your payment schedule, pay frequency, loan term, and the amount of your loan. Non- payment may result in additional fees and collection activities as described in your loan agreement and as allowed by Tribal and applicable federal law.

Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Arkansas, Connecticut, District of Columbia, Florida, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Vermont, Virginia, West Virginia, Wisconsin are not eligible for a loan from West Side Lending LLC.

Customer Support
support@westsidelend.com
PO Box 687 Keshena, WI 54135
  Toll Free: 888-217-7531
       Tribal Dispute: 715-972-8688
       Fax: 920-770-0523

West Side Lending supports efforts to combat fraud in the lending industry. If you believe you have been a victim of fraud, please contact your local law enforcement authority and the Online Lenders Alliance Consumer Hotline at 866-299-7585.

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