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(800)-341-6101

Explore Credit Operational Dept. ,

P.O. Box 260269, Atlanta, GA 30326

Explore Credit Operational Dept., P.O. Box 260269, Atlanta, GA 30326

All installment loans are underwritten by WLCC Lending JEM doing business as Explore Credit. Explore Credit is a Native American owned business operating within the interior boundaries of the Pine Ridge Reservation of the Oglala Sioux Tribe, a sovereign nation located in the United States.

WLCC Lending JEM 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 municipal subsidiary 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 operates independently of the Oglala Sioux Tribe. Correspondence should be directed to WLCC. As a tribal government, the Wakpamni Lake Community Corporation is a sovereign corporation and follows all applicable tribal and federal laws. State laws, regulations, and interest rates are not applicable to WLCC Lending JEM DBA Explore Credit or WLCC.

Typically, Explore Credit reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases including, but not limited to, Clarity and Factor Trust and we may pull your credit to determine your eligibility and ability to repay.

Explore Credit does not lend to residents of IL, NY, PA, GA, NC, NJ, VA, MA, MD, AL, CT, AR, WV, NH, SD, AK, VT, Guam, Puerto Rico, and the US Virgin Islands. Availability of installment loans are subject to change at any time at the sole discretion of Explore Credit.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR A LOAN – To help fight the funding of terrorism and money laundering activities, and to comply with Tribal law and the spirit of federal law requiring all financial institutions to obtain, verify and record information that identifies each person who applies for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license number or other identifying documents.

Certain events or changes to your information may impact your eligibility to receive a loan. If you no longer meet the evaluation criteria, we may offer you a loan in a different amount or on different terms. If you reside in a state in which we do not provide services, you will be ineligible for a loan.

To obtain a loan, you must have a valid checking account, e-mail address, verifiable identity, and verifiable minimum income. Please Note: Installment loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. Explore Credit will only allow a customer to have one loan at a time.

1 You were selected for this offer based on information in your credit report from a credit reporting agency showing you satisfied the lender’s pre-established criteria for creditworthiness in conjunction with this offer. This offer is not guaranteed. You may not receive a loan for the full amount (or at all) if, after you respond to this offer, we find that you no longer meet the criteria used to pre-select you for this offer, including, but not limited to, changes in your monthly income and your ability to repay. Minimum offer $250.

2 Consumers whose eligibility for this offer is verified by 7 PM Eastern Time on a business day will typically receive ACH deposits to their bank account the next business day. However, delays can occur. Please contact your bank institution for more information on individual funding times. Business Days are Monday through Friday 8 AM to 8 PM Eastern Time, and Saturday 8 AM to 5 PM Eastern Time.

This offer is a “firm offer of credit” for purposes of the Fair Credit Reporting Act. This offer is only for the individual named in the offer and may not be transferred to any other party. To receive the loan you must meet the following eligibility criteria: be 18 years of age or older and have a valid checking account in good standing, valid email address, a verifiable identity and not currently have an existing Explore Credit loan. Eligibility criteria are different from the credit criteria used for this offer. Minimum monthly income and ability to repay verification is required.

This offer is not guaranteed if you do not continue to meet or cannot verify you continue to meet the criteria used to select you for this offer. The loan agreement you must sign in order to accept this offer, may limit your legal rights, including your right to go to court, to have a jury trial and to participate in class actions.

WLCC Lending JEM is a sovereign enterprise, an economic development arm and instrumentality of, and wholly owned and controlled by, the Wakpamni Lake Community (the “Community”), a political subdivision of the Oglala Sioux Tribe (the “Tribe”), a federally-recognized sovereign American Indian Tribe.
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