West Side Lending is a tribal lending entity wholly owned by the Menominee Indian Tribe, a Federally Chartered Sovereign American Indian Tribe. We offer loans to people with credit issues to help in a time of need.

We abide by the following Federal laws including:

Truth in Lending Act

Electronic Funds Transfer Act

Fair Debt Collection Practices

Fair Credit Reporting Act

Privacy Provisions of the Gramm-Leach-Bliley Act

Equal Credit Opportunity Act

Menominee Tribal Consumer Financial Services Regulation

How it Works


Installment loans are a great alternative to payday loans because they are a short-term loan that allows you to pay a portion due each month instead of all of the balance on your next payday.

West Side Lending, as a tribal lender, complies with federal laws and regulations as well as the laws of the Menominee Indian Tribe. This gives borrowers who may have a hard time finding loans through traditional channels the opportunity to qualify for an unsecured loan with us.

West Side Lending has certain requirements. You must be at least 21 years of age, a US Citizen, and have an open checking account that currently receives employment income by direct deposits. We may accept paper checks, in lieu of electronic payroll deposits, as long as such checks are deposited on a consistent basis.

When you initially apply for an installment loan from West Side Lending, you may qualify up to $1,500 as a first-time borrower. Returning customers with a good payment history, however, can qualify for larger amounts of up to $5,000 with lower rates.

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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