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General

Receiving a Loan

  • Can I get same day funding?

    We do not offer same day funding via wire transfer at this time.

  • How do I receive my funds?

    In most cases your funds will be electronically deposited via ACH to your bank account on the next business day.

Loan Repayment

  • Can I pay my loan off early?

    Of course! We recommend paying your loan back early, which reduces the amount of finance charges. You can pay your outstanding balance at any time without prepayment penalty—simply visit our self-service portal https://selfservice.brightlending.com or reach out to our Customer Service team using the methods listed on our Contact Us page.

  • When will my payments draft if it falls on a weekend or holiday?

    Any debits to your account for repayment that falls on a Saturday, Sunday, or banking holiday will be debited on the next business day.

  • How do I make my payments?

    You can pay by ACH draft from your bank account on your due date (new and returning customers receive 25 percentage points off of the APR), or send a personal check, cashier’s check, money order, or certified check to the address below on or before your due date.

    Payment address:

    P.O. Box 578
    Hays, MT 59527 United States

Managing Your Account

  • Can I opt out of Marketing Communications?

    Yes, to update your subscriptions with Bright Lending, click here to update your preferences online or contact customer service at 1-866-441-7674.

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TERMS OF USE FAQs PRIVACY POLICY

WHY BRIGHT LENDING

We help our customers meet life’s demands through direct online lending. With our VIP program, funded customers with good payment history can enjoy discounted rates on subsequent loans.

Aaniiih Nakoda Finance, LLC DBA Bright Lending is an entity formed under the laws of the Fort Belknap Indian Community of the Fort Belknap Reservation of Montana (the “Tribe”), a federally-recognized and sovereign American Indian Tribe. Bright Lending is wholly-owned by the Tribe. Bright Lending is a licensed lender authorized by the Tribe’s Tribal Regulatory Authority.

Completing the application is the first step, but in no way guarantees that you’ll receive a loan offer or be approved for the new customer maximum loan amount of $1,000, or the VIP Loan Program maximum loan amount of $2,000. This service is not available in all states and the states serviced by this Website may change from time to time without notice.

Bright Lending reviews your information in real-time to determine whether you meet our lending criteria. You acknowledge that by submitting and completing the loan application that you are applying for a loan. We verify loan applicant information through alternative credit reporting agencies, such as but not limited to, Clarity and Microbilt. We may obtain your credit information in order to determine your eligibility and ability to repay.

Bright Lending does not lend to residents of Arkansas, Connecticut, Massachusetts, Montana, New York, Pennsylvania, Puerto Rico, Vermont, Virginia, West Virginia, American Samoa, Armed Forces Americas, Armed Forces Europe/Canada/Middle East/Africa, Armed Forces Pacific, Canal Zone, Commonwealth of the Northern Mariana Islands, Guam, Marshall Islands, Minor Outlying Islands/States of Micronesia, Northern Mariana Islands, Outside US, Palau, Philippine Islands, Trust Territory of the Pacific Islands, Virgin Islands. Availability of installment loans are subject to change at any time at the sole discretion of Bright Lending.

This is an expensive form of borrowing, and it is not intended to be a long-term financial solution.