Who We Are
Hidden Meadow Lending is a tribal lending entity wholly owned by the Iipay Nation of Santa Ysabel, a Federally recognized Sovereign American Indian tribe. We offer loans to qualified applicants, regardless of bad credit, to help them when they need it most.
We abide by applicable Tribal and Federal law, including:
- Truth in Lending Act
- Electronic Funds Transfer Act
- Fair Credit Reporting Act
- Fair Debt Collection Practice Act
- Privacy Provisions of the Gramm-Leach-Billey Act
- Equal Credit Opportunity Act
- Iipay Nation of Santa Ysabel Tribal Financial Services Regulatory Act
Why Installment Loans?
Installment loans are a great alternative to payday loans because they allow you to pay a portion due each month instead of paying the entire balance on your next payday.
Hidden Meadow Lending complies with federal laws and regulations as well as the laws of the Iipay Nation of Santa Ysabel. This gives borrowers who may have a hard time finding loans through traditional channels the opportunity to qualify for an unsecured loan with us.
Hidden Meadow Lending has certain requirements. You must be at least 18 years of age, a US Citizen, and have an open checking account that currently receives income by direct deposits.
When you apply for an installment loan from Hidden Meadow Lending, you may qualify for up to $1,500.00 as a first-time borrower. Returning customers with a good payment history may qualify for larger amounts of up to $5,000 with lower rates.
We verify applicant and credit information through national databases including, but not limited to, Clarity, Factor Trust, and Microbilt.
Loan Applications processed and approved by 12:00 PM PT of any business day will be funded the same day; Loan Applications approved and processed after 12:00 PM PT will be funded by the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your particular bank, inadvertent processing errors, “acts of God,” and/or “acts of terror” may extend the time for the deposit and may cause a change in the Disbursement Date as disclosed herein.
Hidden Meadow Lending is a Native American owned business operated by Iipay Nation of Santa Ysabel; a federally recognized sovereign Indian nation (the "Tribe") that adheres to federal consumer financial protection laws and operates within the boundaries of the Tribe's reservation. If you have a service-related concern, please contact our customer service team at: 844-691-4826. Hidden Meadow Lending is committed to promptly resolving customer issues.
Please note: This is an expensive form of borrowing. Hidden Meadow Lending installment loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution. Examples of emergency reasons why these loans might be used include unexpected emergencies, car repair bills, medical care, or essential travel expenses. The Annual Percentage Rate (“APR”) as applied to your loan will range from 630%-780% depending on your payment schedule, pay frequency, loan term, and the amount of your loan. Failure to repay your loan obligations when due may result in additional fees and collection activities as described in your loan agreement and as allowed by applicable Tribal and federal law. Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Alaska, Arkansas, Connecticut, District of Columbia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Pennsylvania, South Carolina, Vermont, Virginia, and West Virginia are not eligible to receive a loan from Hidden Meadow Lending.
