Dash Credit

Dash Credit: Online Installment Loans from a Tribal Entity

Dash Credit is the trade name of Warm Lodge Inc., a sovereign enterprise and economic development arm of the Mandan, Hidatsa, and Arikara Nation, a federally recognized American Indian tribe. The entity operates as a lender regulated by the tribe itself under its own laws, not by state regulators. Business proceeds fund governmental services for tribal citizens.

Financing Products

The company offers installment loans up to $3,750, presented as an alternative to payday loans. The catalog also mentions payday loans, cash loans, personal loans, and advance loans. Applications are completed online in minutes and approvals are communicated immediately. You can also apply by phone through the customer service line available 24 hours a day, 7 days a week.

Requirements and Restrictions

To apply for a loan, you must be at least 18 years old. Final approval depends on factors such as income and your state of residence. Dash Credit does not extend loans to active-duty members of the armed forces, their spouses, or their dependents. The entity has elected not to conduct business in several states: Arkansas, Connecticut, Georgia, Hawaii, Illinois, Massachusetts, Michigan, Minnesota, New Jersey, New Mexico, New York, North Dakota, Pennsylvania, Vermont, Virginia, Washington, and West Virginia. The availability of installment loans in any state is subject to change at any time and at the sole discretion of the Tribe.

Loyalty Program and Perks for Returning Customers

Dash Credit has a loyalty program called Dash Loyalty Advantage, which rewards loyalty and responsible borrowing with access to progressively higher loans and lower rates. Returning customers enjoy perks such as VIP Loan Application, free Same Day Funding, Call-Free Funding, and more.

Loan Terms and Rates

The Annual Percentage Rate (APR) represents the yearly cost of a loan and is determined by considering the amount borrowed, loan duration, and the customer's rewards level, as well as factors such as credit history, income, and existing debts. The loan agreement, provided to prospective borrowers when their application is approved, clearly details the APR and finance charges. Dash Credit installment loans follow a fixed payment schedule. You may pay off your loan in full at any time without penalty, and additional partial payments toward principal may also be made on any scheduled payment date. Early repayment can significantly reduce the total cost of borrowing.

Policy on Missed, Late, or Partial Payments

By accepting the loan terms, the borrower agrees to repay the full loan amount, including principal and any applicable fees detailed in the contract. Failure to repay as agreed may result in additional fees or penalties. All non-payment fees and other potential fees are detailed in the loan agreement.

Credit Reporting and Credit Score

As a lender, Dash Credit evaluates the applicant's information to decide whether they are eligible for a loan. Lenders in this sector often use third-party credit reporting agencies and not the major agencies (Experian, TransUnion, Equifax), but rather alternative credit information repositories. This means that the applicant's credit report may or may not be impacted depending on the particular service used during the evaluation. The company recommends regularly checking your credit score with trusted monitoring services and avoiding submitting multiple loan applications on different websites to protect your score.

Same Day Funding

Same Day Funding is available on business days when pre-approval, eSignature of the loan agreement, and the confirmation call (if required) are completed before 11:45 a.m. Eastern Time and the customer chooses the ACH payment method. Customers who complete this process before 1:30 p.m. Eastern Time on business days may still receive funds the same day, although some banks might not disburse them until the next business day. Other restrictions may apply. Certain financial institutions do not support same day funding transactions. When Same Day Funding is not available, disbursement occurs on the next business day.

Tribal Origin and Regulation

Dash Credit is a sovereign enterprise, economic development arm, and instrumentality of the Mandan, Hidatsa, and Arikara Nation, a federally recognized American Indian tribe. Both Dash Credit and the Tribe are sovereign entities that possess sovereign immunity. Dash Credit is regulated by the Tribe under Tribal law, not by state regulators or state law. The company's management team has more than 25 years of experience in online lending and is a member of the Online Lenders Alliance (OLA), which promotes the review and establishment of best-practice standards in the industry. OLA members adhere to the OLA Responsible Lending Policy.

Information for Applicants

If a person decides to apply for a loan from Dash Credit, their loan agreement will contain specific provisions regarding dispute resolution, applicable law, and sovereign immunity. The company recommends carefully reviewing all loan terms and disclosures before submitting an application. Dash Credit promotes responsible borrowing behavior and advises understanding and carefully considering the full cost of borrowing before taking out a loan.

Location and Contact

P.O. Box 130, Parshall, ND 58770 · Phone: 833-889-1294 · Email: info@dashcredit.com · Hours: 24/7