APR Disclosure

Although short-term advances are intended to be paid off quickly, various Truth-in-Lending laws require financing disclosures to be expressed as an Annual Percentage Rate (APR), or the cost of the credit advanced to you expressed as an annual rate. This requirement provides uniformity among various credit sources, so you can compare rates and make the choice that is right for you.

The following table provides examples of the cost to obtain a short-term loan. The APRs are based on example loan terms of one payment (“Check Amount”) due in 18, 14, and 7 days. The APR will increase if the actual loan term is shorter than these examples.

 

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Black Hawk Financial is an entity of the Wakpamni Lake Community Corporation (WLCC), a tribal corporation wholly owned by the Wakpamni Lake Community. The Wakpamni Lake Community is a local government under the Oglala Sioux Tribe. WLCC is incorporated under and governed by the laws of the Oglala Sioux Tribe, a federally recognized Indian Tribe, and the regulations of the Wakpamni Lake Community. WLCC is wholly owned by the Wakpamni Lake Community local tribal government, and it operates independently of the Oglala Sioux Tribe. Correspondence should be directed to WLCC. Please Note: Our loans can be a very expensive way to borrow. They should be used for emergencies and as a short-term solution and should not be considered as a long-term financial solution. Loans are not available to residents of the following states: Illinois, Colorado, Connecticut, Georgia, Maryland, Massachusetts, New York, Pennsylvania, South Dakota, Vermont, Virginia, and West Virginia.


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