Important Disclosures

Tribal Lending Disclosure

Arrowhead Advance is a tribal lending entity wholly owned by the Wakpamni Lake Community Corporation, a tribal corporation of the Oglala Sioux Tribe, a federally recognized Indian Tribe.

Arrowhead Advance operates within the Oglala Sioux Tribe's reservation. Please note that Arrowhead Advance may not be available in all states. If you choose to do business with Arrowhead Advance, you should understand that you may be consenting to the jurisdiction of the Oglala Sioux Tribe and that the consumer protection laws of your state may not apply.

APR Disclosure

This is an expensive form of credit.

The Annual Percentage Rate (APR) for loans offered by Arrowhead Advance ranges from approximately 200% to 830%, depending on loan amount, loan term, and other factors. This is significantly higher than other forms of consumer credit.

For example, a $500 loan with a 6-month term might have:

• Finance charge of approximately $175
• Total repayment amount of approximately $675
• APR of approximately 350%

Actual rates will be disclosed in your loan agreement before you sign.

Loan Purpose

Our loans are designed for short-term financial needs only. They are not intended as a long-term financial solution. Borrowers with credit difficulties should seek credit counseling before entering into any loan transaction.

Credit Implications

Credit Checks

Arrowhead Advance does not perform traditional credit checks through Equifax, Experian, or TransUnion. Your application will not affect your FICO score. However, we may verify your information through alternative data sources.

Credit Reporting

We may report your payment history to consumer reporting agencies. Late or missed payments may negatively impact your credit profile.

State Availability

Our services are not available to residents of all states. Some states have laws that restrict or prohibit certain types of lending. Service availability is determined during the application process based on your state of residence.

Collection Practices

If you fail to repay your loan according to the terms of your agreement:

• We will attempt to contact you to resolve the issue
• Additional fees may be assessed as disclosed in your loan agreement
• Your account may be assigned to a third-party collection agency
• Your non-payment may be reported to consumer reporting agencies
• Legal action may be taken to recover the debt

Renewal and Refinancing

Renewal and refinancing options may be available but are not guaranteed. Additional terms and conditions will apply to any renewal or refinancing transaction.

Military Lending Act

The Military Lending Act provides special protections for active-duty members of the military and their dependents. If you are an active-duty service member or dependent, please contact us before applying.

Alternatives to Consider

Before applying for a loan with Arrowhead Advance, you may want to consider these alternatives:

• Payment plans with creditors
• Credit union loans
• Assistance from family or friends
• Credit counseling services
• Local community assistance programs
• Negotiating with service providers

Consent to Electronic Communications

By applying for a loan, you consent to receive communications from us electronically, including loan documents, disclosures, and account notices.

Questions or Complaints

If you have questions or complaints about our services, please contact us:

Email: support@arrowheadusadvance.com
Phone: 1-888-200-2850
Hours: Monday-Friday 8AM-8PM CST, Saturday 9AM-5PM CST