At South Branch Lending, the customer is our priority! Our team is dedicated to treating each customer with the utmost respect and courtesy. Whether you are a past, current, or future customer, never hesitate to reach out to us with questions or concerns.
South Branch Lending is committed to ensuring our customers clearly understand our installment loan rates and terms.
It's your right to cancel your loan, no strings attached. Our guidelines simply require that you cancel within 24 hours after the Effective Date on your Loan Agreement, and we will set up a draft to reverse the loan proceeds.
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.
South Branch Lending is a commercial enterprise and instrumentality of 
, a federally recognized sovereign Indian nation (the “Tribe”) that adheres to federal consumer finance laws and operates within the boundaries of the Tribes’ reservation. South Branch Lending operates pursuant to the law of the Tribe. Loans from South Branch Lending 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. South Branch Lending 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. 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, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, New York, North Carolina, Pennsylvania, South Carolina, Vermont, Virginia, West Virginia, Wisconsin are not eligible to receive a loan from South Branch Lending.
South Branch 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 1-866-299-7585.