Explore Credit

Disclaimer:- Explore Credit is a tribal lender and not a state licensed lender. 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.
This means that WLCC Lending JEM is regulated by the Tribe and if you do business with WLCC Lending JEM, any legal resolution for your dispute will be restricted to those available under the Tribal law and your loan agreement.
Meaning you will not go to a court for your dispute, but instead, will use Tribal dispute resolution, or individual arbitration before a neutral arbitrator. If you are not comfortable doing business with a sovereign entity that can not be sued in the court, we advise not to use Explore Credit for borrowing funds, rather use a state licensed lender that is regulated under the state law.
States Serviced by Explore Credit
The states serviced may change without prior notice, visit the lender’s website for up to date information.
Arizona
California
Colorado
Delaware
Florida
Hawaii
Idaho
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Michigan
Mississippi
Missouri
Montana
Nebraska
Nevada
New Mexico
North Dakota
Ohio
Oklahoma
Oregon
Rhode Island
South Carolina
Tennessee
Texas
Utah
Washington
Wisconsin
Wyoming