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

Loan Applications processed and approved 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.

Night Winds Lending LLC is a commercial enterprise 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 Tribes’ reservation. Night Winds Lending operates pursuant to the law of the Tribe. Loans from Night Winds Lending LLC are governed by federal law and the law 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 borrowing. Night Winds Lending LLC installment 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. 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. Failure to repay your loan obligations when due may result in additional fees and collection activities as described in your loan agreement and as allowed by applicable Tribal and federal law.

The Menominee Indian Tribe of Wisconsin, a federally recognized Indian Tribe, does not allow access or accept applications for this service from residents of all locations, and the service may or may not be available at your location, and does not constitute an offer or solicitation for consumer loans in a state. The location from which the Tribe chooses to allow access to its jurisdiction may change from time to time without notice. If you choose to visit the Tribe’s jurisdiction through the internet and access services offered and regulated under the Tribe’s laws, you must consent to the Tribe’s jurisdiction and agree that Tribal law governs such services. Availability of loans are subject to change at any time at the sole discretion of Night Winds Lending LLC.