Credit Builder Loans

In order to be eligible for a consumer loan, the borrower must reside in the state of North Dakota and be a member of a federally recognized tribe or spouse/partner must be a member of a federally recognized tribe.

Minimum Loan Amount     $1,000

Maximum Loan Amount    $3,000
Loan amounts are based on the available loan pool at the time.

Eligible Loan Purposes
  • Debt consolidation


We're here to help. Apply for a loan online, or download and submit it, and email it to our loan officer to start the loan process.

Required Loan Documentation

Please note the documentation that is required.

At the time of loan application submission, applicants must submit the following:

  • Proof of rental housing. All applicants must provide the name and address of the landlord(s) for the past two years. If the applicant has not had two years of rental housing, the applicant must provide a statement explaining the reason why and the housing situation over the past two years.​

  • Proof of employment. All applicants must provide check stubs for the last three months.

  • Proof of all income.

    1. All applicants must provide income tax returns for the past two years.

    2. All applicants must provide w-2 forms for the past two years.

    3. All applicants must provide bank statements for the past two months.

  • Proof of debt.

    1. All applicants must provide proof of installment loans (i.e. student loans, auto loans, mortgage loans, etc.)​

    2. All applicants must provide revolving charge accounts (i.e. credit cards, home equity, lines of credit at a bank, etc.)

  • If self-employed or paid by commission, must provide:

    1. Previous two years of federal income tax returns with schedules.​

    2. Year-to-date profit and loss statement and most recent balance sheet.

    3. Corporate tax returns and schedules.

  • If you have filed bankruptcy in the last seven years, please provide:

    1. A copy of petition and discharge.​

    2. A handwritten explanation of the reason for bankruptcy.

    3. Evidence of good credit since the bankruptcy.

Clients may be required to enroll into NADC’s financial counseling services depending on
the credit score. When a client pays off a loan, NADC reports the client’s successful payoffs
to the credit bureaus, therefore, contributing toward building and/or improving client credit.
Successful payoffs may qualify clients for lines of credit for Native Artist businesses only.