This “prescreened” offer of credit is based on information indicating that you meet certain criteria. You may not receive a loan if, after you respond to this offer, we determine that you no longer meet the eligibility requirements used to select you for this offer, or if, after you respond to this offer, we determine that you do not meet our lending criteria established prior to this offer for the purpose of determining whether to extend credit pursuant to this offer. In addition, to accept this offer, you must have reached 18 years old. This offer may be accepted only by the person identified in this offer and may not be transferred to any other party.

Wahido Lending dba River Valley Loans is a wholly owned subsidiary of Dakota Economic Development Corporation (“DEDC”), a sovereign economic arm, enterprise, and instrumentality of, and created under the laws of and for the benefit of, the Crow Creek Sioux Tribe, a federally recognized sovereign American Indian tribe in South Dakota, which abides by the principles of federal consumer finance laws, as incorporated under the laws of the Crow Creek Sioux Tribe.

Any instance of late or non-payment may be subject to an additional late fee of $20 per missed payment, NSF fees of $30 per missed payment as well as applicable collection activities.

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1 First time River Valley Loans customers typically qualify for an installment loan of up to $1,000 with an APR of 690%. The Annual Percentage Rate (APR) for an example loan of $600 is 690% with 20 bi-weekly payments of $95.35. Returning Customers typically qualify for a Standard Installment loan of $700 or a Premium Installment Loan of $1,500. Returning Customer Rate (APR) for Standard Installment example of $500 is 500% with 20 bi-weekly payments of $61.06. Returning Customer Rate (APR) for a Premium Installment Loan example of $1500 is 350% with 36 bi-weekly payments of $205.00. Annual percentage rates (APRs) may vary based on loan term. Completing an application in no way guarantees approval.

Visit our website, RiverValleyLoans.com for frequently asked questions. Complete disclosures of APR, fees and payment terms are provided within the Loan Agreement.

2 Typically, for loans that are approved by 2 p.m. Central Time (Monday–Friday, excluding bank holidays), loan proceeds may be funded the same day. Deposit times may vary depending on your financial institution. Same-day funding is not available in all states. River Valley Loans is not responsible for any additional charges applied by your financial institution. Loans that are approved and accepted after 2 p.m. Central Time (Monday–Friday, excluding bank holidays) and before 6:00 p.m. Central Time (Monday– Friday, excluding bank holidays) may be funded the following business day. Note that errors in your application, particularly with bank routing and account numbers, will impact our ability to fund and cause delays. In some cases, a customer service representative may contact you to verify your information before we can finalize and approve your loan.

3 This is an expensive form of borrowing. River Valley Loans loans are designed to assist you in meeting your emergency borrowing needs and are not intended to be a long-term financial solution. Before borrowing, please consider whether you will be able to repay the amount you borrow. River Valley Loans encourages quick repayment to avoid finance fees.