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Why Choose First Day Loan?

Emergency Cash when you need it most.

A short-term loan can help you and your family meet unexpected expenses or simply get you through to the next paycheck. Short-term loans can also help you avoid late fees, utility reconnect fees, and bank overdraft charges.

All credit types considered.

First Day Loan is an option for people with all credit types. We will verify your employment and banking information to determine if you can pay back the loan. If everything checks out, we are happy to work with you!

Funds usually available next day.

Fully approved and verified applications are typically funded the next business day. Some loans may be eligible for same day funding! Please make sure you are available via phone and email in the event more information is required.

Lightning fast approvals.

After completing our fast online application form, you will receive an immediate response. Pending verification of your identity and the accuracy of your loan application, we will guide you step-by-step until the money is deposited into your bank account.

Frequently Asked Questions

First Day Loan offers short term consumer loans often used to cover unexpected expenses. These loans are not intended to meet long-term financial needs.

First Day Loan offers loans up to $1,000. The actual amount of your loan is contingent on many factors and is based on a judgment of how much you can afford to borrow and your ability to pay back the loan.

First Day Loan is an option for all credit types. We are not like the local banks that are only lend to a select few. However, we do believe you should be able to afford a loan with us, and we will evaluate your ability to pay the money back. We will look at your banking history and verify your employment in order to help us make a decision. If everything checks out, we are happy to work with you! We do not discriminate.

Once you submit an application, you will hear from us within one (1) business day. Please make sure you are available via phone and email in order to finalize your loan documents or to provide any additional information necessary to evaluate your application. The faster we can reach you, the faster we can process your loan. Loan applications fully verified and approved by 5pm Eastern Time are typically funded the next business day excluding bank holidays. Some loans may be eligible for same day funding. Loans are not processed on weekends and bank holidays.

There are several reasons. Most importantly, First Day Loan works hard to get the money you need into your hands as soon as possible. We believe in transparency meaning First Day Loan will never charge you any "hidden fees" not fully disclosed in the Loan Agreement or the Loan Cost & Terms. First Day Loan provides its customers with outstanding customer service. Our representatives can be reached anytime during business hours to make sure you are well taken care of. We also offer many ways to save on finance fees and earn rewards for good financial behavior.

We use the highest industry standards of encryption to protect your data. We constantly test our system for vulnerabilities against hacks and other malicious virus attacks. You will have a secure login to access your account.

First Day Loan customer service department is available Monday through Friday from 8:00 a.m. through 5:00 p.m. Eastern Time. You may also contact us via email at clientservices@firstdayloan.com or via regular mail at:

PO Box 44
#1 Wakpamni Lake Housing
Batesland
SD 57716

Please note we are closed on weekends and holidays.
About First Day Loan

WLCC Lending GEG d/b/a FirstDayLoan.com is a subsidiary agency of Wakpamni Lake Community Corporation, an arm and entity organized under and governed by the laws of the Oglala Sioux Tribe of the Pine Ridge Reservation, a sovereign nation located within the United States of America, and is operating within the Tribe's Reservation. Click here to view our lending license.

WLCC Lending FDL DBA FIRST DAY LOAN

Lending Headquarters:

1 Wakpamni lake Road
Wakpammi Lake, SD 57716

Mailing address:

PO Box 70
Solon, IA 52333

Hours: Mon - Fri, 8:00 AM to 11:00 PM EST
Sat & Sun, 8:00 AM to 9:00 PM EST

Inquiries: clientservices@firstdayloan.com
For repayment arrangements, please click here.

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 9 AM and 5 PM EST Monday through Friday. If this is your first call to Customer Service, please call 855.876.8584 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.

First Day Loan is not offering the loan service to the following states and territories: Illinois (IL), Arkansas (AR), Massachusetts (MA), New York (NY), Puerto Rico (PR), Virginia (VA), Virgin Islands (VI), West Virginia (WV), District of Columbia (DC), South Dakota (SD), and Pennsylvania (PA).

Credit Authorization Policy

Typically First Day Loan 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.

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