A personal loan with a maximum lending amount of $2,500.00 for former or current clients in good standing and $1,250.00 for first time clients. To qualify your debt-to-income ratio must be 40% or under and you may not have more than $5,000.00 of judgments or collections on your credit report. Payback period is 18-24 months. Interest rates are between 14.5 – 20.5% depending on DTI. Must have been employed for at least one year with no gaps, breaks, or transfers within that time period.

A loan designed to help the consumer pay off or consolidate high interest debt such as payday loans as well as pay off collections or judgements to help you get to financial freedom. The maximum lending amount is $5000.00. The check will be mailed directly to the third party creditor. To qualify your debt-to-income ratio must be 50% or under and you may not have more than $10,000.00 in judgments or collections on your credit report. Payback period is up to 36 months. Interest rates are between 12 – 18%. Must have at least one year of employment history with no gaps, breaks, or transfers in that time period.

We’re thrilled to introduce our revamped loan product now known as the ‘Family First Loan’! This exciting name change reflects our commitment to putting family values and financial well-being at the forefront. With the ‘Family First Loan,’ you can now access funds not just for holiday expenses, but for all your family’s needs and aspirations. We believe in supporting your long-term financial goals, and the ‘Family First Loan’ embodies that dedication. Join us in prioritizing what matters most – your family’s future – with our newly enhanced loan product.

Here’s more details about the application process & guidelines:

• Family First loans are up to $1,000 and offered year-round
• Payback period of 12  months (builds credit when paid consistently)
• No interest – flat fee of $100 rolled into the loan amount
• Employment for a minimum of 6 months with no gaps, breaks, or transfers during that time
• Income needed beyond Ho-Chunk tribal member GWE
• No more than $10,000 in collections and judgements on your credit report
• For HCN employees we ask for a voluntary wage assignment

*Temporarily Suspended* A loan is available for Ho-Chunk Tribal Members and Ho-Chunk Nation Employees to contribute towards a reliable vehicle to get you to where you need to be. The car must be purchased from a dealership not a private seller. The vehicle must reside primarily in the state of Wisconsin. Refinances may be allowed on a case by case basis. The maximum lending amount is $20,000.00 or up to the amount allowable by your debt to income and varies based on the year of the car. To qualify, your debt-to-income ratio must be 40% or under and you may not have more than $5,000.00 in judgments or collections on your credit report. Payback period is 3-5 years depending on the year of the vehicle. Interest rates are 6.5 – 10% and depend on the year of the vehicle and debt-to-income ratio. Ineligible if you have had a vehicle repossessed in last (4) years. Must have at least 1 year of employment with no gaps, breaks, or transfers.

The Wooruwi Business Loan designed for business start-up and expansion, working capital, or equipment.  The lending amount is $3,000 – $50,000.  The terms are 12 – 60 months with interest rates between 4%- 7.5% and a loan fee of $250.  This loan can cover up to 95% of business collateral with FNCF taking first lien position on all business assets.  Credit checks will be done on all with 2o% or more ownership.  Financial coaching with a loan officer is a requirement for receiving this loan.  Please note that for start-ups, completing our Indianpreneurship class is required for this loan.