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Home » Responsible Borrowing & Transparency

Responsible Borrowing & Transparency

Borrow Smarter. Borrow Confidently.

Explore Credit was built around one promise: to make credit accessible and responsible. We help customers understand every step of their loan, from application to repayment.

Our Responsible Lending Approach

Transparency First: Clear terms and easy-to-understand communication.
Education Over Urgency: We encourage informed decisions.
Human Support: Real people available to answer real questions.
No Hidden Conditions: Every detail is explained upfront.
Ethical Practices: Compliance with fair lending and consumer protection standards.

How We Protect Consumers

Secure data encryption for all online activity.
Identity verification for safe applications.
Continuous improvement through customer feedback.
Accessibility commitment for all users.

Borrowing Tips for Consumers

Always review loan terms before you sign.
Choose repayment schedules that fit your income cycle.
Contact your lender early if you expect difficulty making a payment.
Use credit as a tool, not as a long-term solution.

Why Customers Choose Explore Credit

Trusted by thousands of borrowers nationwide.
Friendly and easy-to-reach support.
Clear communication at every stage.
Modern technology with a human touch.

We’re here to help you borrow responsibly.

View our Explore Credit Consumer Loan License here: explorecredit.com/Consumer-Loan-License

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Want to get in Touch?

Have questions or concerns? Call (844) 355-5626 or email us at [email protected]. Or visit our Contact Us page for other ways to get in touch.

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844-355-5626 / 844-355-LOAN

Explore Credit Operational Dept. ,

P.O. Box 260269, Atlanta, GA 30326

Explore Credit Operational Dept., P.O. Box 260269, Atlanta, GA 30326

All installment loans are underwritten by WLCC Lending JEM doing business as Explore Credit. Explore Credit is a Native American owned business operating within the interior boundaries of the Pine Ridge Reservation of the Oglala Sioux Tribe, a sovereign nation located in the United States.

WLCC Lending JEM is an entity of the Wakpamni Lake Community Corporation (WLCC), a tribal corporation wholly owned by the Wakpamni Lake Community. The Wakpamni Lake Community is a local municipal subsidiary government under the Oglala Sioux Tribe. WLCC is incorporated under and governed by the laws of the Oglala Sioux Tribe, a federally recognized Indian Tribe, and the regulations of the Wakpamni Lake Community. WLCC operates independently of the Oglala Sioux Tribe. Correspondence should be directed to WLCC. As a tribal government, the Wakpamni Lake Community Corporation is a sovereign corporation and follows all applicable tribal and federal laws. State laws, regulations, and interest rates are not applicable to WLCC Lending JEM DBA Explore Credit or WLCC.

Typically, Explore Credit 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, Clarity and Factor Trust and we may pull your credit to determine your eligibility and ability to repay.

Explore Credit does not lend to residents of IL, NY, PA, GA, NC, NJ, VA, MA, MD, MN, AL, CT, AR, WV, NH, SD, AK, VT, Guam, Puerto Rico, and the US Virgin Islands. Availability of installment loans are subject to change at any time at the sole discretion of Explore Credit.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR A LOAN – To help fight the funding of terrorism and money laundering activities, and to comply with Tribal law and the spirit of federal law requiring all financial institutions to obtain, verify and record information that identifies each person who applies for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver’s license number or other identifying documents.

*Certain events or changes to your information may impact your eligibility to receive a loan. If you no longer meet the pre-selection criteria, we may offer you a loan in a different amount or on different terms. If you reside in a state in which we do not provide services, you will be ineligible for a loan.

To obtain a loan, you must have a valid checking account, e-mail address, verifiable identity, and verifiable minimum income. Please Note: Installment loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. Explore Credit will only allow a customer to have one loan at a time.

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