Terms of Service

Effective Date: [January 2026]

Update Date: [April 2026]

Welcome to Grey Wolf Credit. These Terms of Service govern your use of our website, services, and any loan products we provide. By accessing our website at greywolfcredit.com, submitting a loan application, or using any of our services, you agree to be bound by these terms and conditions.

If you do not agree with any part of these terms, you must not use our website or services. Your continued use of our services after any changes to these terms constitutes your acceptance of the modified terms.

About Grey Wolf Credit

Grey Wolf Credit is a licensed direct lender operating under federal and tribal laws. We specialize in providing installment loans to qualified borrowers who need short-term financial assistance. As a tribal lending entity, we are wholly owned and operated by Wakpamni Lake Community Corporation (WLCC), a sovereign nation recognized by the United States federal government.

Our services include online loan applications, loan processing, customer account management, and related financial services. We operate in compliance with applicable federal lending laws and tribal regulations.

Eligibility and Account Requirements

Basic Eligibility

To be eligible for our services, you must be at least 18 years old, be a U.S. citizen or permanent resident, have a regular source of income of at least $1,200 per month after taxes, maintain an active checking account in good standing, and provide accurate and complete information in your application.

Military Lending Act Compliance

In accordance with the Military Lending Act, active duty servicemembers, their spouses, and dependents are not eligible for our loan products. We will verify military status as part of our application process.

Account Security

You are responsible for maintaining the confidentiality of any login credentials associated with your account. You must notify us immediately if you become aware of any unauthorized use of your account or any other security breach. We are not liable for any loss or damage arising from your failure to protect your account information.

Loan Application Process

Application Accuracy

All information provided in your loan application must be truthful, accurate, and complete. You authorize us to verify any information you provide through third-party sources including credit reporting agencies, employment verification services, and banking institutions.

Application Review

We reserve the right to approve or deny any loan application in our sole discretion. Approval is not guaranteed, and we may consider various factors including your credit history, income, employment status, and ability to repay. We will notify you of our decision as promptly as possible.

Electronic Communications

By applying for a loan, you consent to receive communications from us electronically, including loan documents, account statements, payment reminders, and other important notices. You agree that electronic communications satisfy any legal requirement for written communications.

Loan Terms and Repayment

Loan Agreement

If approved, your specific loan terms including the principal amount, interest rate, payment schedule, and total cost will be detailed in your individual loan agreement. You must review and electronically sign your loan agreement before funds are disbursed.

Payment Obligations

You agree to make all payments according to the schedule outlined in your loan agreement. Payments will be automatically withdrawn from your designated bank account on the scheduled due dates via ACH unless you arrange for alternative payment methods.

Late Payments and Fees

If you fail to make a scheduled payment, you may be subject to late fees (typically $15-25)  as specified in your loan agreement. We may also charge returned payment fees if a payment is returned by your bank for insufficient funds(Non-Sufficient Funds fees :$20-25) or other reasons.

Default and Collection

If you default on your loan, we may declare the entire unpaid balance immediately due and payable. We may pursue collection activities including reporting to credit bureaus, engaging third-party collection agencies, and taking legal action to recover amounts owed.

Use of Our Website and Services

Permitted Use

Our website and services are provided for your personal, non-commercial use in connection with obtaining financial services from Grey Wolf Credit. You may not use our services for any illegal purpose or in any manner that could damage, disable, or impair our systems.

Prohibited Activities

You agree not to attempt to gain unauthorized access to our systems, interfere with the proper functioning of our website, use automated software to access our services, transmit viruses or malicious code, or engage in any activity that violates applicable laws or regulations.

Intellectual Property

All content on our website including text, graphics, logos, images, and software is the property of Grey Wolf Credit or our licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without written permission.

By using Grey Wolf Credit’s services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. Please contact us at support@greywolfcredit.com or call (800) 479-7026 if you have any questions about these terms or our services.

Terms and Conditions for SMS Communication

By opting in to receive SMS communications from Grey Wolf Credit (“we,” “us,” or “our”), You agree to the following terms and conditions:

Program Description: you may receive text messages from Grey Wolf Credit regarding the following: status updates, billing notification, delivery updates when applicable, or other matters pertaining strictly to your Loan services.

• Consent to Receive SMS- By providing your mobile phone number, you consent to receive SMS messages from Grey Wolf Credit related to order updates or customer service inquiries. Message frequency may vary based on your interactions with us.
• Message and Data Rates- Standard message and data rates may apply depending on your mobile carrier and plan. You are responsible for any charges incurred for receiving SMS messages.
• Opting Out-You may opt out of receiving SMS messages at any time by replying with “STOP” to any SMS message you receive from us. After opting out, you will receive a confirmation message, and we will cease sending SMS messages to your number. Please note that opting out may affect your ability to receive certain types of communications.
• Help and Support- If you need assistance or have questions about our SMS service, reply with “HELP” to any SMS message you receive, or contact our customer support team at support@greywolfcredit.com
• Privacy- Your mobile phone number and other personal information will be handled in accordance with our Privacy Policy, available at Privacy Policy. We do not sell or share your phone number with third parties except as required by law.
• Changes to Terms- We may update these terms and conditions from time to time. Any changes will be effective when we send a new SMS message or update our terms on our website. Your continued use of the SMS service constitutes acceptance of the revised terms.
• Liability- Grey Wolf Credit is not responsible for any delays or failures in the delivery of SMS messages due to issues with your mobile carrier or other technical problems.

By opting in, you acknowledge that you have read, understood, and agreed to these terms and conditions.