Consent for Electronic Communication

The following terms and conditions govern electronic communications in connection with this Agreement and the transaction evidenced hereby (this “Consent”). By electronically signing this Agreement by submitting your information in our application portal, you are confirming that you have agreed to the terms and conditions of this Consent and that you have the ability to download or print a copy of this Consent for your records. You further agree that:

Any disclosure, notice, record or other type of information that is provided to you in connection with your transaction with us, including but not limited to, this Agreement, this Consent, disclosures, change-in-term notices, fee information, statements, delayed disbursement letters, notices of adverse action, and transaction information (collectively, “Communications”), may be sent to you electronically by sending it to you by e-mail as permitted by applicable law.
We will not be obligated to provide any Communication to you in paper form unless you specifically request us to do so.
You may obtain a copy of any Communication by contacting us at info@enableloans.com or by calling us at (888) 704-3223. You will not be charged a fee for such copy. You also can withdraw your consent to ongoing electronic communications in the same manner and ask that they be sent to you in paper or non-electronic form. If you choose to receive Communications in paper or non-electronic form, we may elect to terminate this Agreement and demand payment of the amount then due by the date of your withdrawal of consent; or by the expiration of any minimum term mandated by law, whichever is later.
You agree to provide us with your current e-mail address for notices at the address or phone number indicated above. If your e-mail address changes, you must send us a notice of the new address by writing to us or sending us an e-mail, using secure messaging, at least five (5) days before the change.
In order to receive electronic communications in connection with this transaction, you will need a working connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protocol. SSL provides a secure channel to send and receive data over the Internet. Microsoft Internet Explorer 6 or equivalent browser and above supports this feature. You will also need either a printer connected to your computer to print disclosures/notices or sufficient hard drive space available to save the information (e.g., 1 megabyte or more). You must have your own Internet service provider. We may amend (add to, delete or change) the terms of this Consent to electronic communication by providing you with advance notice.

By confirming your consent, you acknowledge that you have read and agree to the terms and conditions of this Consent for Electronic Communication.

*Loan Disbursement: For loans funded via debit card, funds are sent to the bank account linked to your debit card immediately after your loan is approved and you accept our offer. Delays may occur due to circumstances beyond our control. If we’re unable to validate your card, or you do not opt into this service, funds will be sent via ACH deposit. Loans approved before 11:30am on a business day will typically be funded on the same day, otherwise funds will be deposited by the next business day. All funding cut-off times are subject to change. The date and time funds are made available to you by your bank are subject to your bank’s policies.

Credit Authorization Policy:
Typically EnableLoans reviews your information in real-time to determine whether your information meets our lending criteria. You acknowledge that by completing and submitting the website application that you are applying for a loan. We verify applicant information through national databases including, but not limited to, Experian, Equifax, and Trans Union, Clarity, DataX, and Factor Trust and we may pull your credit in order to determine your eligibility and ability to repay.

If you have already contacted Customer Service in an attempt to resolve an issue or concern and still need additional assistance, please contact the Wakpamni Lake Community Consumer Complaint Tribal Hotline at 1 (800) 677-3860 between the hours of 8 AM and 5 PM EST Monday through Friday. If this is your first call to Customer Service, please call 1 (888) 704-3223 between the hours of 8 AM and 11 PM EST Monday through Friday. If you would like a copy of the Tribal Credit Code of the Wakpamni Lake Community Corporation of the Oglala Sioux Tribe, please email us at coderequest@WLCCCompliance.com.