ONLINE LOAN APPLICATION

Access to fair and affordable credit is essential for financial growth, but many Native community members face barriers when trying to secure loans for homes, vehicles, or businesses. SWNAC’s Small Dollar Credit Builder Loan is designed to help tribal members establish or strengthen credit, making it easier to access larger financial opportunities in the future.

By improving credit scores, we help Native individuals and families gain better access to capital—ensuring that our communities can break free from predatory lending cycles and build long-term financial security.

✔ Improve Your Credit Score – On-time payments are reported to credit bureaus, helping you build a stronger financial profile.
✔ Affordable Monthly Payments – Loan terms are structured to fit your budget.
✔ No Hidden Fees or Predatory Interest Rates – A safe and fair alternative to high-cost payday loans and credit cards.
✔ Access to Capital for the Future – A better credit score makes it easier to qualify for home loans, business loans, and other financial resources.
✔ Designed for Native Communities – We understand the unique financial challenges our people face and provide culturally relevant financial support.

1️⃣ Apply – Fill out a simple application online or in person.
2️⃣ Credit Check – We’ll review your credit history to determine eligibility.
3️⃣ Receive Your Loan Funds – Approved applicants will receive loan funds, which must be repaid in scheduled monthly installments.
4️⃣ Build Credit – As you make on-time payments, they will be reported to credit bureaus, helping improve your score.
5️⃣ Complete Your Loan Successfully – Once the loan is fully repaid, you will have built positive credit history, making it easier to access capital in the future.