Lender
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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.

West Side Lending

Advertiser Disclosure

About Lender

We regret to inform you that West Side Lending is no longer taking new applications. If you have any questions regarding your outstanding loans, please contact us by calling us at 1-888-217-7531 or emailing us at [email protected].

West Side Lending LLC is a financial branch of the Menominee Tribe of Wisconsin, a federally recognized autonomous Indian nation. The tribe operates inside the confines of the Group's territory and complies with federal consumer finance rules. 

West Side Lending loans should help you meet your short-term borrowing needs, not act as a long-term financial solution. Car repair bills, medical treatment, and necessary travel fees are unexpected circumstances for which you could use the funds borrowed. Cash advances, personal loans, home equity lines of credit, existing savings, or borrowing from a friend or family are all viable alternatives to West Side Lending's credit product. These options may be less expensive and better suited to your financial circumstances.

West Side Lending

Key Features

West Side Lending LLC is an economic arm and a tool of the Menominee Tribe of Wisconsin. This federally recognized sovereign Indian nation complies with federal consumer finance laws and operates within the reservation boundaries. The company is chartered and operates pursuant to Tribal Law. Borrowed funds from West Side Lending LLC are governed by federal law and the Tribe's laws instead of the laws of the borrower's state of residence. This communication should not be interpreted as a relinquishment of sovereign immunity, which is expressly reserved.

It provides short-term loans. The purpose of West Side Lending's loans is to provide support for meeting short-term financial requirements.

According to a lawsuit featuring a consumer's report, West Side Lending LLC imposed excessive fees and/or interest rates. If you believe it is your case, contacting your local law enforcement authority might be advantageous.

Reviews on Trustpilot suggest the interest rates are really very high. They also feature criticism towards the customer service team.

Pros and Cons

Pros

  • The process is quick, simple, and effective.
  • Pay in the monthly payment schedule.
  • No credit check is required.
  • Options for flexible repayment.
  • There are no penalty charges for paying in advance.

    Cons

    • High APR.
    • Service Conditions.
    • Short-term solution.

      Consider the advantages and disadvantages to decide which lending options are best for your financial needs.

      Products

      WestSideLend.com offers short-term installment loans as an alternative to traditional payday loans for covering unexpected expenses with more flexible repayment terms. With fixed payments over time, you can pay back what you owe at a comfortable pace. Before funding your loan, you will receive a loan agreement outlining the payment schedule, APR, and other terms specific to your loan. The minimum loan amount is $200, while first-time borrowers can borrow up to $1,500, and returning customers can borrow up to $5,000. The interest rate on your loan will be determined by the amount borrowed and the length of time to repay it. However, you can save on the total cost of your loan by paying it off early or making additional payments. Your loan agreement will fully disclose all details, including finance charges and APR. WestSideLend.com adheres to all federal laws and regulations governing short-term and online personal lending and does not discriminate against credit applicants. Contact WestSideLend.com today to see if you qualify for one of their loans and to explore a range of payment options.

      Reliability

      Based on the available information, the reliability of Westside Lending is somewhat unclear. On the one hand, the company has a B- rating from the Better Business Bureau, which indicates that it has had some customer complaints and negative reviews. Additionally, the Washington State Department of Financial Institutions has received a complaint from a consumer alleging excessive fees and/or interest charges from West Side Lending LLC and East Line Lending LLC. These factors suggest that the company may not have a perfect track record.

      On the other hand, West Side Lending LLC has a 4.2 rating on Trustpilot, which suggests that many customers have had a positive experience with the company. It is important to note that customer reviews and ratings can be subjective and may not reflect the experiences of all borrowers. Additionally, West Side Lending LLC is a member of the Native American Financial Services Association, which indicates that it adheres to lending industry standards.

      Overall, it is important for borrowers to carefully review the terms and conditions of any loan agreement before accepting it and to conduct their own research into the company's reputation and reliability.

      Funding a Loan

      You can create an account and apply for a loan through the Site. You promise to submit current, complete, and accurate information about yourself when you create an account or apply for a loan. Once you submit an online application, West Side Lending will verify the information and advise you via email whether you have been authorized or not. After completing the verification procedure, you'll be offered what you qualify for and asked to E-Sign your loan agreement to confirm the loan offer. 

      West Side Lending validates applicant and credit information using national databases such as Clarity, Factor Trust, and Microbilt. First-time borrowers may be eligible for up to $1,500, while repeat customers may be eligible for $5,000. Over a year, you will pay off your loan weekly, semi-monthly, or bi-weekly payments that correspond to your income deposit dates. A good-standing open checking account should allow direct deposits. Before 10:30 am CST, most applications are approved and funded the same business day. Applications approved before 7:30 pm CST are usually financed the following business day. 

      Loan Conditions

      You will get a loan agreement tailored to your loan before loan closure and funding, including a payment schedule, APR, and other details. The amount you choose to borrow and the time you decide to keep your loan outstanding will determine the APR for your loan. 

      Paying off your loan before the last due date on your payment plan or making additional payments on or between your payment owing dates might lower the total cost of your loan. It will reveal the terms and conditions of your loan, finance costs, and the Annual Percentage Rate (APR) in your loan agreement. The company does not discriminate against credit applicants based on national origin, race, color, marital status, religion, sex, or age. An applicant has exercised any right under the Consumer Credit Protection Act in good faith. In line with the Federal Truth in Lending Act and other regulations, we provide accurate and thorough fee disclosures on your loan agreement. Late costs, NSF (non-sufficient funds) fees, and returned item fees may be charged as specified in your loan agreement.

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      Important

      Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

      How to Choose a Lender

      1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

      2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

      3. Carefully review all the terms and conditions of your payday loan contract.

      4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

      5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

      6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

      Methodology

      At Finanso, we've carried out a comprehensive analysis of over 100 lenders, assessing them based on 35 different parameters across six key categories: accessibility of loans, customer relations, quality of service, interest rates, and transparency of conditions.

      In each category, we carefully considered the most critical factors in selecting a lender. These factors include the interest rates, available loan amounts, minimum credit score, minimum income, application fees, and the speed at which funds are transferred.

      At Finanso, we highly value our users, which is why we also focus on the quality of customer service, user reviews, and additional features that can aid our users in making a well-informed decision.

      Our ultimate goal is to provide insightful recommendations and expert advice to assist you in selecting a lender that best caters to your specific needs.

      FAQ

      How Do you Qualify For West Side Lending?

      To qualify for a loan from West Side Lending, applicants must meet certain eligibility criteria, which typically include the following:

      1. Being at least 18 years old
      2. Being a U.S. citizen or permanent resident
      3. Having a valid checking account
      4. Providing proof of income, such as a pay stub or bank statement
      5. Providing a valid phone number and email address for communication purposes

      Additionally, West Side Lending may consider other factors when determining an applicant's eligibility, such as credit history and employment status. The amount of the loan and interest rates may vary based on these factors.

      It is important to note that meeting the eligibility criteria does not guarantee loan approval. West Side Lending will conduct a thorough underwriting process to assess each applicant's creditworthiness and ability to repay the loan.

      How Much Can You Borrow From West Side Lending?

      First-time borrowers may be eligible for up to $1,500, while repeat customers may be eligible for $5,000.

      Does West Side Lending Approve Everyone?

      No, West Side Lending does not approve everyone who applies for a loan. While the company may have flexible eligibility requirements, each loan application is subject to a thorough underwriting process to assess the applicant's creditworthiness, ability to repay the loan, and other factors. This process includes reviewing the applicant's credit history, income, employment status, and other relevant information. Based on this evaluation, West Side Lending may approve, deny, or offer the applicant a loan with different terms and conditions. It is important for borrowers to understand that meeting the eligibility criteria does not guarantee loan approval, and the final decision is at the discretion of West Side Lending.

      Is West Side Lending a Legitimate Company?

      Yes, West Side Lending LLC is a legitimate company that operates as an economic arm and instrumentality of the Menominee Tribe of Wisconsin, a federally recognized sovereign Indian nation. The company adheres to federal consumer finance laws and operates within the boundaries of the tribe's reservation, as well as follows tribal law. Borrowers who receive funds from West Side Lending LLC are governed by federal law and the laws of the tribe rather than the state where they reside. The company also discloses all loan details, including finance charges and APR, in the loan agreement provided to borrowers before loan funding. However, it is important for borrowers to carefully review the terms and conditions of any loan agreement before accepting it and to conduct their own research into the company's reputation and reliability.

      Is West Side Lending a good lender?

      West Side Lending has a mixed reputation based on available customer reviews and ratings. The company has a 4.2 rating on Trustpilot, indicating that many customers have had a positive experience with the lender. However, the company also has a B- rating from the Better Business Bureau and has received complaints from customers regarding excessive fees and interest charges. Therefore, it is important for borrowers to conduct their own research and carefully review the terms and conditions of any loan agreement before accepting it.

      The company states on its website that it adheres to all federal laws and regulations applicable to short-term and online personal lending. The company does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public assistance program or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

      However, it might be a wise idea to read reviews about the lender you are going to borrow from.

      Company documents

      Terms of Use
      Privacy Policy

      At West Side Lending, we are transparent about our loan terms and strive to make the loan process as simple as possible for our customers.

      © West Side Lending
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