Lender
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Riverbend Cash

Advertiser Disclosure

About Lender

Riverbend Cash is not a lender and doesn't provide short-term loans or other credit services. It is a service that helps borrowers connect with an independent third-party lender or lending partner.

The company was established in 2012 and is headquartered in Hays, Montana. The service is available in many states except Washington, DC, Alaska, Arkansas, Connecticut, Massachusetts, Maine, Minnesota, Montana, New Hampshire, New York, New Jersey, Pennsylvania, Vermont, Virginia, and West Virginia.

Many people can get access to credit thanks to Riverbend Cash. The borrower can make an online application from both a personal computer and a mobile phone. After connecting with lenders, clients receive the terms and conditions of the loans from the lenders.

Riverbend Cash

Key Features

  1. Not a direct lender: Riverbend Cash is an online marketplace where lenders can provide loan decisions instantly to help borrowers when unexpected expenses arise. The platform works with multiple lenders and networks across the nation to offer loan options.
  2. No fees: Using the Riverbend Cash website to access loan options is free.
  3. Easy application process: The application process is easy and can be completed online from anywhere. The website is fully mobile-optimized.
  4. Speed: Loan decisions can be made in less than a minute, and funds can often be transferred within 10 minutes the same day or the next business day.
  5. Online safety: Personal information is kept safe and secure through 256-bit encryption technology.
  6. No collateral required: Riverbend Cash's network of lenders offers unsecured loans, which means no collateral is required to qualify.
  7. Tribal ownership: It is operated by Riverbend Finance, LLC, a Native American-owned company functioning within the Fort Belknap reservation in Montana. As a tribal lender, Riverbend Cash operates under the laws and regulations of the Fort Belknap Indian Community, a federally recognized Indian tribe.
  8. All credit types accepted: Even if an applicant has a poor credit score, Riverbend Cash may still be able to find a loan through its specialist partners. The platform does not charge a fee for its service and does not perform a credit check.

Pros and Cons

Pros

  • The application process is fast and easy; your loan request may be satisfied as soon as the same day
  • You don't need to provide collateral
  • You gain access to all credit types
  • There is customer support through live chat
  • The service doesn't have prepayment penalties
  • Riverbend Cash ensures online safety.

Cons

  • Service doesn't report on payments to credit bureaus on time
  • Borrowers have to repay biweekly
  • First-time clients may borrow only up to $600.

The process is completely online, from completing an application to signing a borrower's credit agreement. Riverbend Cash keeps borrowers' personal information safe using 256-bit encryption technology.

Some lenders offer unsecured loans, so you can qualify without providing collateral. A borrower's credit score isn't important for some loans because the service doesn't make a credit check. Even if a borrower's credit score is not good enough, they still have a right to get loans from partners of Riverbend Cash. Also, there is no fee for using the service. 

Products

Payday Loans

A payday loan is a small, short-term cash advance. You don't need to provide collateral to apply for this loan. If you choose it, the loan amount may range from $100 to $1,000. Your future regular income, such as salary, dividends, etc., back this type of loan. The loan term is 30 days. Borrowers need to make a request for a loan amount, and sometimes loan offers don't match the amount borrowers requested. Payday loans are designed for emergencies.

Installment Loans

An installment loan is also a small short-term cash advance and doesn't require collateral. Borrowers' future incomes also back such loans. The loan amount for installment loans varies from $100 to $5,000.

Personal Loans

Cash advance loans are no-collateral loans with a loan amount ranging from $500 to $35,000. Such loans are backed by future income and payday and installment loans. You can use such loans to consolidate debt or make your credit card payments. Unlike payday and installment loans, personal loans have longer loan terms.

Third-party lenders pay Riverbend Cash for potential customer referrals. Thus, the service is free to borrowers, so they don't need to pay any fees. Loan offers usually vary depending on individual lenders, borrowers' inсome, employment, etc. Every lender has its own fees and rate, terms, and APR that will be stated in your loan agreement. However, there are cases when any participating lender doesn't approve customers.

To register on the Riverbend Cash loans website, you must provide personal information and details about your employment and bank account. A third-party lender may do a credit check to verify the borrower's information. Repayment terms are also set by a particular lender, not by Riverbend Cash. 

Many borrowers ask if their loans are automatically renewed. It depends on the state where the borrower lives and the renewal policy of a particular lender. Customers have to ask their lenders if their loans renew automatically. If the loans renew, borrowers will have additional interest and fees on their loan balances. So you must learn about such fees before agreeing to a loan renewal.

There are implications if you don't make your monthly payments on time or repay your loan. Every lender sets its own penalties, such as late fees, so they may vary. But the most common penalties are the following:

  • You must pay an additional fee for late repayment.
  • Your lender can contact a collection agency.
  • A lender can report your non-payment to a consumer credit agency. After this, your credit score will decrease.
  • The lender may offer to renew your loan. Then your fees and interest rates will be higher.

Reliability

In terms of reliability, here are some additional details about Riverbend Cash:

  1. Clear terms and conditions: The terms and conditions for loans offered through Riverbend Cash are clearly outlined on their website, including fees, the annual percentage rate, and repayment terms.
  2. Privacy policy: Riverbend Cash has a detailed privacy policy that outlines how they collect, use, and protect customer information.
  3. Direct lender connections: Riverbend Cash works with a network of direct lenders to offer loan options, which can improve the chances of finding a loan that meets the customer's needs.
  4. Responsiveness: Riverbend Cash's customer service team is responsive and available to answer questions and concerns.

It's worth noting that while Riverbend Cash has an A+ rating on the Better Business Bureau (BBB), they are not accredited by the BBB. This means that they have not gone through the BBB's accreditation process, which includes a review of the business's practices, customer complaints, and other factors.

Funding a Loan

Usually, borrowers receive their money in their bank accounts on the next business day. However, time may vary depending on the lender and financial institution, the time of day borrowers register, and the accuracy of the registration.

Clients must contact their third-party lenders if they have questions about the transfer time.

Loan Conditions

Riverbend Cash offers its borrowers various loan options through its network of lenders, which include payday loans, installment loans, and personal loans. Here are the conditions for each type of loan:

  1. Payday Loans: These are small, short-term cash advances that do not require collateral. Borrowers need to provide information about their future regular income, such as salary or dividends, to back the loan. The loan amount ranges from $100 to $1,000, and the loan term is typically 30 days. Payday loans are designed for emergencies.
  2. Installment Loans: Unlike payday loans, installment loans are small, short-term cash advances that do not require collateral. Borrowers' future income backs these loans, and the loan amount can vary from $100 to $5,000.
  3. Personal Loans: These are no-collateral loans that offer a loan amount ranging from $500 to $35,000. Future income and payday and installment loans back these loans. Personal loans have longer loan terms than payday and installment loans and can be used to consolidate debt or make credit card payments.

FAQ

How Do you Qualify For a Riverbend Cash Loan?

Individual lenders, operating independently, may have distinct minimum criteria, but the following generally represent standard minimum requirements:

  1. Be at least 18 years old or older
  2. Possess a checking or savings account with direct deposit capabilities
  3. Maintain a consistent monthly income of at least $1,000
  4. Hold a reasonable credit score (specifically for personal loans)
  5. Not serve as a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps, or Navy (or be a dependent of such a member) on active duty under a call or order with a duration of less than 30 days

How Much Can You Borrow From Riverbend Cash?

Riverbend Cash offers various loan options through its network of lenders, including payday, installment, and personal loans. The borrowing limits for each type of loan are as follows:

  1. Payday Loans: These short-term cash advances, which do not require collateral, range from $100 to $1,000. They are backed by the borrower's future regular income and typically have a loan term of 30 days. Payday loans are designed for emergency situations.
  2. Installment Loans: Installment loans are also short-term cash advances without collateral requirements, but they offer a wider range of loan amounts, from $100 to $5,000. These loans are backed by the borrower's future income and allow for more flexibility in repayment.
  3. Personal Loans: Personal loans are unsecured loans that offer larger loan amounts, ranging from $500 to $35,000. They are backed by the borrower's future income and can be used for various purposes, such as debt consolidation or credit card payments. Personal loans have longer terms than payday and installment loans, providing more flexibility for borrowers.

In summary, the amount you can borrow from Riverbend Cash depends on your loan type and your financial situation. Loan amounts can range from as low as $100 for payday loans up to $35,000 for personal loans.

Does Riverbend Cash Approve Everyone?

Riverbend Cash does not approve everyone for loans. As a lending platform, Riverbend Cash evaluates applicants based on various factors, such as credit score, income, employment status, and other financial information, to determine their creditworthiness and ability to repay the loan.

While Riverbend Cash may have more flexible lending criteria compared to traditional banks, they still have minimum requirements that applicants must meet to be eligible for a loan. These requirements may include the following:

  1. Age: Applicants must be at least 18 years old or the age of majority in their state of residence.
  2. Citizenship: Borrowers must be U.S. citizens or permanent residents.
  3. Income: Applicants must have a regular source of income, usually at least $1,000 per month.
  4. Bank account: Borrowers must have an active checking or savings account with direct deposit capabilities.
  5. Residency: Riverbend Cash may not lend to residents of certain states due to state regulations on tribal lending.

It's important to note that meeting the minimum requirements does not guarantee approval. Riverbend Cash will evaluate each applicant's financial situation and determine if they are eligible for a loan. Those with poor credit or a lack of credit history may have a harder time getting approved, but receiving a loan is still possible, depending on the circumstances.

Is Riverbend Cash a Legitimate Company?

Yes, Riverbend Cash is a legitimate company. It is operated by Riverbend Finance, LLC, a Native American-owned company functioning within the Fort Belknap reservation in Montana. As a tribal lender, Riverbend Cash operates under the laws and regulations of the Fort Belknap Indian Community, a federally recognized Indian tribe.

Riverbend Cash offers short-term installment loans to borrowers and has been in operation for several years. While it is a legitimate business, it is essential for potential borrowers to understand that tribal lenders like Riverbend Cash may have higher interest rates and fees compared to state-regulated lenders due to the lack of state regulations capping interest rates.

Before borrowing from any lender, it's crucial to research the company, understand the terms and conditions of the loan, and ensure you can meet the repayment obligations. Additionally, it's a good idea to compare different lenders to find the best option that suits your financial needs and circumstances.

Is Riverbend Cash a good company?

Whether Riverbend Cash is a good company for you depends on your specific financial needs, circumstances, and preferences. Here are some factors to consider when evaluating Riverbend Cash as a lending option:

  1. Legitimacy: Riverbend Cash is a legitimate tribal lender operated by Riverbend Finance, LLC, which is a Native American-owned company functioning within the Fort Belknap reservation in Montana.
  2. Loan options: Riverbend Cash offers short-term installment, payday, and personal loans through a network of lenders.
  3. Lending restrictions: Riverbend Cash may not be available to residents of certain states due to state regulations on tribal lending. Make sure to verify whether Riverbend Cash operates in your state before applying.
  4. Customer reviews and experiences: Research online reviews and testimonials from previous customers to get an idea of their experiences with Riverbend Cash. Keep in mind that individual experiences may vary.

In summary, Riverbend Cash could be a good company for some borrowers, especially those who need a small, short-term loan and have difficulty obtaining one from traditional lenders. However, it's essential to carefully consider the interest rates, fees, and terms before committing to a loan and to compare different lenders to find the best option for your financial situation

Company documents

Privacy Policy
Terms
Rates

Riverbend Cash is here to offer a fast and reliable money solution in any life situation from the comfort of your own home. 

© Riverbend Cash
Financial products
Riverbend Cash
Personal loan
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$500-$35,000
Rate
i

Effective interest rate on the product

up to 4.99%
Term
i

Loan term for the financial product

up to 60 months
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Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
100.00 – 20000.00 $
Rate
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Effective interest rate on the product

from 0.05 %
Term
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Loan term for the financial product

5 days – 3 months
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
650
1000
100.00 – 4000.00 $
Finanso
Personal Loans
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
2000.00 – 100000.00 $
Rate
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Effective interest rate on the product

6.34 – 35.89 %
Term
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Loan term for the financial product

2 months – 72 months
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

4.25
(20 Ratings)
Recommended FinScore™
0
300
650
1000
to 1500.00 $
Rate
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Effective interest rate on the product

to 160.00 %
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Interest rates are given in accordance with the rates of the Riverbend Cash of 22.05.2024
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