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Privacy Policy

Last Revised August 10, 2023

FACTS WHAT DOES South Branch Lending DO WITH YOUR PERSONAL INFORMATION?
WHY? Financial companies choose how they share your personal information. Consumers have the right to limit some but not all sharing. This notice tells you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?

The types of personal information we collect, and share depend on the product or service you have with us. This information can include:

  • Social Security number and checking account information
  • Payment history and income
  • Employment information
HOW? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reason South Branch Lending chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does South Branch Lending Share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes - to offer our products and services to you Yes No
For joint marketing with other financial companies No We Do Not Share
For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness Yes Yes
For our affiliates to market to you Yes Yes
For non-affiliates to market to you Yes Yes
To limit our sharing
Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we can share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
QUESTIONS? Call 888-290-1673 or go to www.southbranchlending.com.
Who we are
Who is providing this notice? South Branch Lending business entity of is providing this privacy policy.
What we do
How does South Branch Lending protect my personal information? To protect your personal information from unauthorized access and use, we use security measures. These measures include computer safeguards and secured files and buildings.
How does South Branch Lending collect my personal information? We collect your personal information, for example, when you:
  • Apply for a loan
  • Give us your income information.
  • Tell us where to send the money
  • Provide account information
  • Provide employment information
We also collect your personal information from others, such as credit bureaus, affiliates or other companies.
Why can’t I limit all sharing? You have the right to limit only:
  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
Our affiliates include other business entities of the Tribe.
Non-Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies. Non-Affiliates we share with can include service providers and data processors.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. South Branch Lending does not jointly market.

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.

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