Accessing Capital to Grow Assets
We offer a variety of consumer loan products to help individuals and families build assets and create a more secure financial future. Whether you need help improving your credit or want to renovate your home, we can help you.
Credit Builder Loan (up to $3,000, exceptions up to $5,000)
The Credit Builder Loan is often times the first step for aspiring entrepreneurs or homeowners as it enables them to build a positive credit history. This loan is part of our Financial Empowerment Coaching program to support the achievement of financial goals.
Terms: Interest Rate 11%, Length of Repayment 2-3 years
Home Improvement Loan (up to $25,000)
Our Home Improvement Loan can be used to improve your home’s energy efficiency or complete other projects that increase the value of your home.
Terms: Interest Rate 7-9%, Length of Repayment up to 5 years
Home Mortgage Loan (up to $200,000)
The Home Mortgage Loan can be used to build or purchase a home on or off trust land. Manufactured homes are eligible.
Terms: Interest Rate varies, Length of Repayment up to 33 years
Eligibility Guidelines
Four Bands’ loan fund program is available for Native American and permanent residents of the Cheyenne River Sioux Reservation, as well as enrolled tribal members who reside in the state of South Dakota.
Loan applicants may be required to successfully complete a financial literacy course and develop a personal budget.