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South Branch Lending Review

Short-term installment loan · Reviewed June 2026

starstarstarstarstar 3.2 Our editorial rating

“A Menominee tribal lender that — unusually — publishes its own APR band (630–780%). The cost is steep, but at least it's stated upfront.”

At a Glance

Loan amount Not published upfront — confirm at application
APR South Branch is one of the few lenders here to publish its own APR band — it states 630%–780%, varying with amount, term, and pay frequency
Term Short-term fixed installments
Funding Same business day if approved by 2pm CST, else next day
Credit No hard FICO minimum (income-based)
Fees Not itemized publicly — likely late/NSF fees; confirm in the agreement
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Best for

Borrowers who want the APR disclosed before borrowing and will repay quickly.

Cost 1.9
Transparency 3.8
Funding speed 4.2
Eligibility 4.0
Support 3.3

South Branch Lending Pros & Cons

thumb_upPros

  • checkPublishes its own APR range (630–780%) — rare transparency for the sector
  • checkSame-day funding if approved by 2pm CST
  • checkNo hard FICO minimum
  • checkOperated openly by the Menominee Tribe

thumb_downCons

  • closeVery high APR (630–780% by its own disclosure)
  • closeLoan amounts not published before applying
  • closeExcluded in ~19 states
  • closeSingle lender — no rate comparison
№ 01

Who South Branch Lending is

South Branch Lending, LLC is a tribal lending entity of the Menominee Indian Tribe of Wisconsin, operating under tribal law and applicable federal regulations. A Washington DFI consumer alert lists it among the Menominee tribal lenders not licensed in that state — a reminder that tribal lenders operate outside state licensing.

№ 02

Rates, fees & real cost

Unlike most of its peers, South Branch publishes an APR band on its own site — 630% to 780%, depending on the amount, term, and pay frequency. That is extremely high, but disclosing it upfront is more transparent than the sector norm of revealing the rate only in the agreement. Specific loan amounts and the fee schedule aren't published, so confirm both before signing.

№ 03

Where it lends

South Branch does not lend to residents of Arkansas, Connecticut, DC, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, New York, North Carolina, Pennsylvania, South Carolina, Vermont, Virginia, West Virginia, or Wisconsin. Funding is same business day if you're approved by 2pm CST.

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South Branch Lending FAQ

What APR does South Branch Lending charge? add
South Branch's own site discloses an APR range of 630%–780%, varying with the amount, term, and pay frequency. Always confirm your specific rate in the loan agreement.
Is South Branch Lending a tribal lender? add
Yes. It is a lending entity of the Menominee Indian Tribe of Wisconsin, operating under tribal law and applicable federal regulations.
How we rate tribal lenders — our methodology

How We Rate Lenders

We score each lender from 1 to 5 on cost, transparency, funding speed, eligibility, and customer support. High-cost products score lower on cost by design. Ratings are editorial, independent, and updated as terms change.

Independent & not affiliated. Tribal Installment Loans is an independent resource and is not affiliated with, endorsed by, or sponsored by South Branch Lending. South Branch Lending and related names are trademarks of their respective owners. We may be compensated when you visit partner sites. Figures are indicative, may change, and vary by borrower — verify current terms directly with the lender.