Western Sky Reviews – Legit or Scam?


Western Sky Financial
from 244 reviews Review It
Western Sky Financial


Western Sky Financial is an installment loan company who claims that you can get up to $2,525 in your checking account overnight by completing an application that takes less than 5 minutes to fill out.

Western Sky Financial operates within the boundaries of the Cheyenne River Sioux Reservation, which is a sovereign nation within the United States. It is owned by an individual within that nation and not the Cheyenne River Sioux Reservation itself.

Recently, the Western Sky commercials have been generating a lot of buzz online, mostly because people find them humorous but also because some people are questioning the claims made in the commercial, specifically your ability to receive thousands of dollars overnight.

It Is Expensive, But There Is No Collateral Required

In the commercial, the spokesman claims “Yes, the money is expensive, but there is no collateral required.” This is a common theme within the payday loan industry.

Before you borrow money from Western Sky, look at their Rates page which describes the APR as well as the loan fee that will be assessed depending on the loan amount you are requesting.

The APR, or Annual Percentage Rate, is the amount of interest you will be required to pay back within a year. When loan companies do not require collateral or high credit scores to approve a loan, it is generally because the APR they charge is extremely high.

In the case of Western Sky, the lowest available APR is 116.73% and can be as high as 215.03%. This means that if you borrow $5,000 from Western Sky at 116.73% APR and take the full 84 months to pay it back, you will have paid $35,872.72 in interest.

The Bottom Line on Western Sky

In the US, individual states have laws that govern payday loan companies and are meant to protect the borrowers from extreme APRs and unrealistic payback schedules.

In the past when Reviewopedia has reviewed online payday loan companies, I have pointed out that borrowing from an online company that is based in another state may make it difficult for your state laws to protect you from predatory lending practices.

In the case of Western Sky, this is further complicated by the fact that Western Sky is based in the Cheyenne River Sioux Reservation, which acts as an independent nation within the US, meaning that you could potentially have no protection from them at all.

Note: If you’re interested in learning more about Payday Loans check out our detailed guide, “Payday Loans Explained: Should You Ever Get One?” for more info.


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Customer Responses, Reviews, or Complaints

Average Rating for " Western Sky Financial " is 1.67 out of 5 based on 244 reviews.

  • Rating
    Clara Jackson says:

    September 3rd, 2015 at 3:06 pm

    Western Sky has cause me so much distress. I paid $ 768.00 faithfully for 18 months on a $ 9043.00 loan …never missing a note. Then, I received a letter telling me that I had to pay another Company ( Delbert ) $32,000.00. I was floored! They wanted me to pay $ 45,824.00 for a $ 9043.00 loan. I decided I would not pay another dime.They have called my church, friends, family and my job. Please tell me what can I do to stop these crazy people. I am losing my mind!


    Mike says:
    September 14th, 2015 at 12:30 pm

    These loans are illegal in several states now. Check with your AG

  • Rating
    Mona says:

    July 12th, 2015 at 1:52 pm

    Yes, you get the loan. However, I applied to what I thought was one company. My loan was to to Western. It has been sold 3 times now. The loan was for $2500. I pay $298.00 per month and have not missed a payment. I am going on 2 years now. Do the math,have paid over $7000.00 and still owe another 2 or so years. I see nothing applied to the interest, nothing in my account as a record of what I have paid other than my own monthly bank statements. Not sure why, perhaps because the original Western sold the loan, the sold it, then it was sold again and now for the 2nd time it is with Cash Call. Will this $2500.09 ever get paid off? Prob.not or at least not before paying over $14,000.00. I want a paper trail on my loan and just can’t get one. I have to believe because it was sold so many times. Beware, it is not worth taking a loan out with them.

  • Rating
    mark rivera says:

    February 23rd, 2015 at 1:05 pm

    my name is mark, I borrow 2,500 from western sky about 2 year’s ago had to pay my bill’s and they send me about 2,800 in my account. the good part of it my payments about 200 but I send 700.00 a month and got out of my loan in about 6 month’s thank you. mark.

  • Rating
    Jane Doe says:

    May 10th, 2014 at 11:28 am

    They have collectors that call from all over the United States. One time I got calls from five states within a few minutes. I have an app on my phone that hangs up on them. I am not giving them another red cent.

  • Rating
    thomasina gary says:

    March 19th, 2014 at 1:24 pm

    I go a loan from western sky..500.00 was to process the loan and the true loan amount was a 1,000.00 posted to my checking account.I ended up paying 11/11//11 166.95 for 4 months then the turn me over to a collection agent because I missed 3 day late..then I paid them 1,476.52 plus the 722.80 I paid them..I have my paid off letter showing this information please I need a refund and now .

  • Rating
    Wolf Howling says:

    February 27th, 2014 at 2:47 am

    Maybe They are a Front. Another Company saying that They Are a Native American Company when they are not. A Real Native American Indian Company will not Screw their and other people over. It is not our Nature. Our Nature is to Help People either With Spiritual Problems all free or to Become Musicians Or Actors of Movies and TV. Both Men and Women. Most Rock Groups in America Has Native People in them. We use the sound of our hearts or Mother Earth that what makes us One with our Music. But As a Loan Company if there is one that is Native American Believe me they will not screw you over. Remember What TV Judges say Buyer Beware. With Love and Understanding Wolf Howling. Of the Mohawk and Lakota Medicine. Your Gate Keeper for those who knows what I am saying.

  • Wolf Howling says:

    February 27th, 2014 at 2:44 am

    I forgot Native American Indians also make very good Movie and TV Actors too. Both Men and Women. My National Tribal Family and world Tribal Family too Every Country has it’s Native People who are very spiritual. Listen to the Elders what they say are usually right. Just a thought to help you with . With Love and Understanding Your Gate Keeper Wolf.

  • Rating
    Happy Customer says:

    February 20th, 2014 at 8:02 pm

    Fact: Payday loans typically charge 354% interest (Advance America, Check into Cash, Speedy Cash, etc). When I was in a bind I was ecstatic to pay 124% + 75.00 loan fee on a 3000.00 loan and 115% + 75.00 loan fee on a 5000.00 loan. Service was professional and excellent. The money was in my account within 24 hours. Upon full repayment I recieved a paid in full receipt in the mail. I used them twice (3000.00 and 5000.00), once with cash call as the collecter, once with delbert as the collector. However, since I paid the loans off way ahead of schedule (remeber the 124% / 115% interest) I cannot vouche for their collection tactics. Now since all of the complaints the next best online payday loan rate I have found is 179%. Thanks for all who took out a loan with conditions that you must pay it back with top priority and failed to pay for ruining this valuable source of emergency cash!


    Esteban says:
    March 18th, 2014 at 5:21 pm

    Yeah it works if you can pay it back within 90 days …but if you get into the meat of paying back the loan at 115 – 175 % interest with large monthly payments for 36 – 48 months you are locked in and screwed at a huge balance. Because most of these loans are done online and the use of the reservation tactics it scares people into thinking they have no protection or laws to cover this crap. You need to check with your State laws first under the names Western Sky, Cash Call and Delbert and see what your state has with a history of these loans and what people have done to get out from under them.

    These are much worse then Pay Day loans because of the duration of the loan and interest rates plus what they pocket off the top of your payments within the first 6 months.

  • Rating
    just me says:

    February 19th, 2014 at 7:40 pm

    I do not give it a 0 stars rating because the option is not available!

  • Rating
    Shirley Mire says:

    February 19th, 2014 at 7:37 pm


  • James Rudy says:

    January 10th, 2014 at 1:06 am

    Ha. When did Western Sky ever lend to people with poor credit in the first place. Declined all over the board – for anything.

  • Rating
    KK says:

    December 20th, 2013 at 3:24 pm

    Had to change our phone number. We were getting threats that we were going to be served papers because of none payment. Called our county circuit clerk and the sheriffs office to see if there was a warrant out on us. Both offices said the calls were scams. The phone numbers come from Dodge City, Ks. Then the other number is from Atlanta, Ga. We had paid off the loan but they western sky/cash call. I even called cash call and they said they had no records. Watch out they do scam.

  • Rating
    vw says:

    November 22nd, 2013 at 6:33 pm

    please if someone has started a lawsuit help me out they call themselves dielbert now

  • Rating
    DrezNoir says:

    November 20th, 2013 at 4:01 pm

    Western Sky/Cash call is a scam. I took out a $1000 loan and made 12 months of payments of $166.00 which total $1992.00 i called them and they said you still owe $895.00 i said only $105 was put towards the principal..they charged me $500 to borrow $1000 and you pay the interest on a $1500 amount. I quit paying and now they say you owe $2300..they are a pure ripe off. Not once did they put any payments on my credit report but when i stoped paying they placed it in collections. FRAUD!

  • Tina says:

    November 15th, 2013 at 8:42 pm

    I took out a loan for 2500 it was an emergency after paying a year I paid way more then I borrowed I stopped paying and close my account so they couldn’t take anymore I don’t know how to resolve this

  • Rating
    roaddriver says:

    October 15th, 2013 at 2:50 pm

    wonder where the tv commercials went? vanished into thin air didn’t they? their website say ‘operations suspended due to government overreach’ hehehehe state of ny and a couple other’s attorney’s general went after them. good bye and good riddance to yet another crook

  • Rating
    OLDER says:

    September 25th, 2013 at 3:13 pm

    “Sold” my loan to Cash Call who was paid off in installments, and now they are claiming no payments were applied to the account. Totally sham!!!! Now some jerk in Colorado has called all my contacts and stirred them up.
    Next call… State Attorney General’s Office

  • Rating
    kathy says:

    September 17th, 2013 at 6:57 am

    I first took out a loan with this company, it was terrible. They try to get 333.00 dollars per day plus 169 percentage. I only borrowed 800 dollars, they took 300 dollars off the top, which only left me getting 500 dollars then expected me to pay back 3 times the amount – 1040 dollars to them after they already took 300. This is really scamming. Thank you, please don’t ever trust the internet loan.

  • Rating
    gina says:

    August 21st, 2013 at 2:02 am

    What if you are behind mortgage and need a loan and no one will lend you a small loan because of poor credit I have a great paying job butvgot behind on bills now no one wants to let me borrow 3,000.00 and I am desperate.


    Saver Advisor says:
    October 11th, 2013 at 2:23 pm

    Stop your cable TV, stop your telephone, stop your internet, stop your eating out at restaurants, stop your air conditioning, stop your constant spending on clothes, subscription services, entertainment, drugs, alcohol, sell that second car, mow your own lawn and resign from the gym, sell that jewelry and those expensive trinkets that you have furnished your too-expensive-to-live-in house with! Work your ass off to save and quit spending money like there was no tomorrow!

    Only then, you will have some money for emergencies and to live on when you eventually get laid off of that “great paying job.”

  • NJGIRL67 says:

    August 18th, 2013 at 11:07 pm

    It has been very interesting reading various blogs, sites, news, ect concerning these loans and the simple facts are these:
    All Wester Sky loans are considered “off the reservation”. They do not loan to tribal members or residents of South Dakota.
    Western Sky SOLICITS their loan product via TV advertisements and the internet in various, if not all, States in the US. By doing so, clearly all of the contracts produced have been made “off the reservation”. Honestly, how would people know of these loans had it not been for them advertising via the TV.
    However, the above is moot when considering the following:
    Western Sky is a South Dakota company and NOT a tribal entity formed under a tribal charter.
    Martin Webb is a member of the tribe, but he as an individual nor his company has been granted any immunity from State or Federal preemptions in the various court cases I have read. Just because he chose to set up shop on the reservation doesn’t mean he can claim immunity.
    In Dec 2012 the WS site listed 6 states they were unable to lend to. As of today, they now list a total 22. All of the states that have brought actions against them!
    And recently it was discovered that WS aligned itself with Cash Call in a rent- a-tribe scheme. Cash Call has already been called out doing this same type of scheme with the rent-a-bank scheme a few years back. States are doing more research and discovering that Cash Call is the de facto lender of these loans. As a matter of fact the arrangement with WS mirrors the exact same arrangement Cash Call had with the South Dakota bank.
    The only difference between a loan shark and WS is WS leaves a paper trail of the illegal activity which has bitten them in the ass.
    And for the record, I like many others, received this loan product and it was not until 6 months later that I was made aware that these loans are illegal in my state of NJ. I had no idea this was a prohibited activity. Did I stop making payments. close my account, inform them of the lending laws in my state….YES I did. Did I feel guilty….NO I did not. Their entire loan agreement was a sham from the get-go. I, in good faith, took the loan with the understanding that this was legitimate. It is not. If they chose to construct a business under the guise of a tribal authority, claim that my state laws do not apply, claim this is governed by a tribe that actually has no connection to this company for the benefit of the tribe, then shame on them. They deserve whatever is coming to them….they created these companies for one sole purpose…..to avoid the various States usury laws so they could charge exorbitant interest rates.
    I am within my right to cease payments to them having learned the laws of NJ. It doesn’t make me a deadbeat, but a better informed consumer. I learned my lesson 6 months, however I am quite certain that they knew the laws of my state and many others. Their entire agreement is actually considered null and void in my state because they solicited my business. charged interest well above civil and criminal usury, do not hold a license in my state (and never would) and claimed that their loan agreements were governed by tribal law which they are absolutely not. The entire agreement is a lie and they are the deadbeats. They prey on people who may have a financial hardship and all the while lining their pockets with profits made from usurious interest. I feel bad for the tribe as it is their name that is getting dragged through the mud by a greedy, sneaky, deceptive tribal member and his cohort at the top of Cash Call, Paul Reddam. I can only hope that this lender is shut down completely. Their loans hurt people in the long run.


    kathy says:
    September 23rd, 2013 at 5:42 am

    Thanks for understanding. I do not mind paying back the 500 dollars I got but not scamming me out of extra money just to line their pockets.

    NJGIRL67 says:
    September 3rd, 2013 at 9:35 pm

    Per the NJ DoBI. Of course, I like many others, are going through the issue of the CRA’s. I will not back down until Cash Call is off my credit report.
    1). Everyone’s agreement stipulates that arbitration will be conducted by an authorized representative of the CRST per their consumer dispute rules. Mr. Inetianbor has already challenged this and it has been found that the CRST does not conduct arbitration and there are no consumer dispute rules to reference. Hence, the arbitration clause is null and void
    2) Every state that has challenged Western Sky or Cash Call regarding jurisdiction has been denied. The various courts have found that a) an INDIVIDUAL tribal member is NOT granted immunity because HE chose to conduct his business on tribal land, b) Western Sky is a South Dakota company and was never formed under a tribal entity, charter, corporation, c) courts have stipulated that lending over the internet confers jurisdiction in the borrowers state and not the lenders.
    A NJ representative submitted a bill to the House in January, A3719 regarding payday loans and classifying them under the Consumer Fraud Act. However, we have been a non-payday loan state any way and the agreements produced by Western Sky are not enforceable in this state. Cash Call and Delbert are both owned 100% by Paul Reddam. They are also violating NJ law by attempting to collect on an illegal loan that indicates interest well above civil and criminal usury.
    Even though Western Sky stopped funding loans as of today, 9/3/13 AND now they list all of the states in the US at the bottom of their homepage, We New Jerseyans should be filing our own class action lawsuit and have Christie on board like Coumo in NY. It wasn’t until January of this year that I found out this kind of lending was illegal. I wish I would have known sooner.

    richierich says:
    August 23rd, 2013 at 7:35 pm

    How did you find out that Western Sky loans are illegal in NJ? I too took out a loan with them and it was sold to CashCall and no Delbert. Let me know how you handled this and were able to stop paying it. Thanks.

  • Rating
    Saymon says:

    July 28th, 2013 at 11:48 am

    Western Sky is a fraud….The indeed do credit checks,

  • Rating
    Bob dempsey says:

    July 19th, 2013 at 9:32 pm

    1. Not licensed in your state
    2. Unable to sue you for specific performance in case of default.
    3. Unable to report to Credit bureaus since loans generated in violation of state laws.
    4. All of these items are known by your individual states attorney generals.
    5. You may have to take them to court in your state to get your courts to support you.


  • Rating
    american citizen says:

    July 18th, 2013 at 5:35 pm


  • james simpson says:

    July 18th, 2013 at 3:11 pm

    Your a FOOL if you borrow money from Western sky or any payday loan co .

  • Rating
    WindyCity says:

    July 16th, 2013 at 2:09 am

    With all due respect and understanding that desperate people do desperate things, to those who contracted with Western Sky, did any of you read the interest on the loans you were taking, or were you simply focused on the easy money you were getting? C’mon…100% interest rate? A 300% interest rate and $375
    upfront fee? Think, people…think! You’re keeping SOBs like this in business.


    NJGIRL67 says:
    September 3rd, 2013 at 9:38 pm

    They aren’t in business anymore.

  • Rating
    Mark says:

    July 12th, 2013 at 1:34 pm

    From what I saw on tv I figured out 743.99 x 86 is that $63983.14. How can that be allowed legally. Their looking for desperate people who only seek financial relief of some major problem in these hard times. They should be ashamed of putting people through this, borrow $ 10.000 and pay $ 53.983.14 in interest. Because they are indian and follow their own rules and laws. Makes me mad every time I see the commercial. Seems like the television companies wouldn’t allow such a scam to their customers.

  • Rating
    Mark says:

    July 12th, 2013 at 1:33 pm

    From what I saw on tv I figured out 743.99 x 86 is that $63983.14. How can that be allowed legally. Their looking for desperate people who only seek financial relief of some major problem in these hard times. They should be ashamed of putting people through this, borrow $ 10.000 and pay $ 53.983.14 in interest. Because they are indian and follow their own rules and laws. Makes me mad every time I see the commercial. Seems like the television companies woul allow such a scam to their customers.

  • Rating
    william koontz says:

    July 9th, 2013 at 2:03 pm

    they are not able to operate in ohi so dont try them


    WindyCity says:
    July 16th, 2013 at 2:12 am

    Why would you give them three stars????

  • Rating
    Jonna says:

    July 6th, 2013 at 3:30 pm

    I heard the commercial that wii help me to get a loan up to $10.000 and that was o.k. to me but all I want is just $2.000 I told them that I have bad credit but my credit score is going up becouse I been working on it. They will not even work with me or look at my credit out. After I saw the other reviews from other people I am glad I am not getting the loan.


    E.R. says:
    September 2nd, 2013 at 10:13 am

    Thank you for this post! On August 31, 2013 I went through this matching company called 365 Day Loan for help on a loan for 2000.00 and I was matched up with Western Sky Financial. The reply that came back stated that I would receive a call within the next few minutes, but that call never came and now after reading your post and other peoples posts, I will not be doing business with them even if they do decide to call me.

  • Rating
    That One Guy says:

    June 29th, 2013 at 3:14 pm

    Being a Native American and living on a Reservation, most Reservations are a ward of the Government and therefor fall under federal laws. Reservations have their own laws, law enforcement etc. But also they fall under federal jurisdiction and a case on a reservation can be tried through U.S. District courts! There really is no such thing as “Indian Land” Or “Native American Land” “Federal Trust Land” is the correct analogy. I have seen many companies try to establish a bussines within a Reservation Boundry mainly to recieve tax exempt status. And in this case wich seems to me they are trying to be untouchable. We are all just casulties of our own ingnorance. We see something that looks enticing and we go for it. So its up to each individual to investigate and get educated before making a commitment. But if anyone is caught up and fell for this Western Sky laon. Look into a good atounrney that is familiar with Native American Laws and also handles Federal cases. Trust me, they are not untouchable, it just cant be done through local and state laws!


    WindyCity says:
    July 16th, 2013 at 2:13 am

    And your four-star rating is for what exactly?

  • Rating
    rhonda says:

    June 26th, 2013 at 6:22 am

    rip off

  • Linda McCoyv says:

    June 20th, 2013 at 11:54 am

    How do I get out of this scam with western sky

  • Rating
    Tony says:

    June 19th, 2013 at 10:16 am

    I applied for loan and heard back within the same day. Was approved for $10,000. Once I heard interest rate of 135% I turned them down. Western Sky then reported to credit agencies that “THEY” turned down loan offer. This is after they tried multiple times to get me to accept there loan offer.

    Terrible experience and am reporting to credit agencies my experience and also Better Business bureau, etc.

    Do not trust.


    matt dean says:
    June 20th, 2013 at 8:42 am

    How in todays modern world is that even close to being leagal ? omg what a rip off!!!! I was thinking about trying them , thanks to you i would go hungry first. why caint our governmenment stop this? as money hungry as they are you would think they would be watching for this kind of SHIT to at least get thier chunk !!! But who knows , look whats going on with our SSI and income tax. Man am I glad I took time to read this page. The old saying stands true again, If it seems to good to be true it probbably is.thanks !!!!

  • Rating
    F.M.A. says:

    June 14th, 2013 at 11:46 am

    Western sky doesn’t operate on an indian reservation but instead is handled by another loan company out of Sothern california. The Indian Reservation has nothing to do with Any of it.

  • Rating
    Gwen says:

    June 5th, 2013 at 8:45 am

    I’ve been paying them for a year. When asked what my balance was it was more then what i orignally borrowed plus they took a large chunck for their fee. They are nothing but modern day loan sharks! Something need to be done.

  • Rating
    Terry says:

    May 31st, 2013 at 12:16 pm

    Your borrow 10,000 you payback 87,000 or they will take your home & car and freeze all your bank accounts and take all your paychecks.


    Steve9 says:
    August 12th, 2013 at 11:34 pm

    They are certainly loan sharks but there are state laws that allow only a certain percentage of each paycheck going towards garnishments. As far as I know, and I have looked this up in the past, NO state allows more than 20% to go towards garnishments. NO state lets a creditor take all of someone’s paycheck, because obviously then that person would have no way to support themselves. As to the exact specifics, I don’t know for certain. It is easy to look up this information though online for each state.

    Also, I don’t know for sure since they say they operate out of an Indian reservation, but if you do default, they have to successfully sue you first in a US legal court to even be allowed to garnish your paycheck or seize any of your assets. I’m not saying to work with them, OBVIOUSLY they are scammers, (I mean come on people, have you never worked with payday loan types before, or know about them and how it all works?!), so I’m shocked anyone at any time could possibly think otherwise! HOWEVER, my point is, I don’t know how easy it is for them to come to try to actually legally -take- your assets as payment. Someone should talk to a lawyer about this. I am curious to know how enforceable their rules actually are. If we can’t get protection from them due to their reservation/Indian nation status, then how easily can they come after a regular member of the public, in the state courts?? I’m wondering if they can’t.

    If anyone here has info on this, I would be interested to know. I mean, if they actually can’t, then conceivably, someone could just borrow from them, and default. Other than reporting it to the credit bureaus, what exact recourse do they have?? Seems like not much. That would be my first question.

    Like I said initially, if they CAN take you to a county/state court for it, even then, each state has its own limits on what can be garnished from a person’s pay and in a lot of cases, a house and car won’t be allowed to be seized. But I’m not a lawyer so I wouldn’t know the exact details, and it would vary by state. Also, I’d want to know which state’s laws would apply if an when this did happen?? The state that Western Sky operates out of (if state’s laws even apply to Indian affairs in this case), or the state you as the borrower are in.

    ray says:
    June 16th, 2013 at 12:23 am

    bankruptcy might be your way out. :(

  • Rating
    Monique says:

    May 21st, 2013 at 4:43 pm

    Awful people and business! Complete scam! Paid 63,459 in total for their 10,000 loan!

  • Rating
    Frustrated says:

    May 12th, 2013 at 7:23 pm

    I agree with a previous comment.
    The major network running advertisements for this company
    are aiding and abetting in this scam for a profit.
    Not only does the company charge %89 they keep up to one third
    Of the money you borrow as an up front fee.
    Help to save a financial life and notify the network or networks advertising for this company to stop the ads.

  • Rating
    Reba says:

    May 11th, 2013 at 8:57 am

    I saw Western Sky on TV and was SUPRISED at the fees. I Can’t believe that their fees are legal in the USA. The truth of the matter is that as long as people use “short-term” lending services then they will continue to remain in business. Western Sky is just the tip of the iceberg. There are an endless number of these companies ready to take advantage of you and destroy you financially. If enough people would refuse to use these services then they would get the point.

  • Laughing says:

    May 4th, 2013 at 7:46 am

    When you see an APR over 100 percent, that means the loan will grow every month unless you pay a lot more per month. Long term lending like this is designed to destroy you financially. Don’t take out payday loans period. The industry is designed to keep you in debt. If you don’t understand what APR and accrual periods are, don’t take out loans, period. If you do not have a financial plan, don’t take out loans!

  • Rating
    don't ever be that desperate says:

    April 28th, 2013 at 4:36 am

    If you’ve seen the latest Western Sky commercials for their $10,000 loan, read the small print at the bottom of the screen. According to the interest rate and terms, your payments will be almost $900.00 per month and you’ll have paid them a total of nearly $87,000 dollars by the time you pay off the original $10K that you borrowed. That’s outrageous!!


    December says:
    May 3rd, 2013 at 2:09 pm

    I’m glad I read these reviews. I’m looking to buy an electric bike, which will be only mode of transportation. When I consider the HIGH monthly payments for a short term loan, I can save that amount and pay cash for a bike in a couple of months. Sure, I’d like one now but the should-be-ilegal interest rate is SO NOT worth it.

    Debra says:
    May 3rd, 2013 at 8:12 am

    Thanks for the info we’re in a bind now but I will keep praying that something comes along WE WILL NOT CALL WESTERN SKY! I’m so glad I saw this post I was telling my niece to call them today! NO WAY!!!!

  • Rating
    mary scott says:

    April 20th, 2013 at 2:53 pm

    i never even got an answer

  • Rating
    haha says:

    April 15th, 2013 at 2:27 pm

    they denied me they are very sorry…….!!!!!!!

  • Rating
    deb says:

    April 15th, 2013 at 12:01 pm

    Loan is immediately sold to cash call. Once they have it they harass you non stop. I asked for paper verfication that they had aquired the loan because it sounded like a scam. They called me every 30 minutes every day even sunday until i verbally agreed to their terms even though i told them i agreed to nothing until i had recieved paper verification. They will continue to use that tactic anytime you do not agree with what tell you to do. Plus everything has a fee attached to it!

  • reddog says:

    April 11th, 2013 at 9:56 pm

    Is this company legit

  • Rating
    Sup says:

    April 8th, 2013 at 9:31 pm

    Before this economy went to crap so called helpful banks was not given out loans to people with less then excellent credit, even after a certain president gave them a not needed at all stimulus plan. I don’t blame western sky because they found a loophole in the system but I blame the companies and car dealers for denying loans for such hard times…

  • Rating
    je says:

    April 6th, 2013 at 3:17 pm

    I was one of the dummies that took out a loan with these jerks…The first thing I did was change my on line banking user I.d. and password… I did’nt like that you had to give them your user I .d. to look at your bank statement. I have changed my direct deposit from work to another acct. I just wish I would have read my bad reviews on here first.


    boop says:
    April 22nd, 2013 at 3:22 pm

    Can They File A Judgement Against You If You Don’t Pay?

  • Rating
    Mike says:

    April 2nd, 2013 at 7:59 pm

    Hi All:

    I have a family member who was taken advantage of by this company, and I plan to do something about it.

    I can HELP YOU out with your claims against Western Sky. I will check back here, so please contact me her.

    Remember, the little people only get ahead by uniting and standing strongly together. LET’S TEACH THESE BULLYS A LESSON ABOUT TAKING ADVANTAGE OF THE POOR!

    Best, Mike ;-)


    Teresa says:
    November 11th, 2013 at 5:32 pm

    Mike, Can they file a judgement against you?

    Anthony says:
    May 8th, 2013 at 2:48 pm

    Contact me via a5smith18@gmail.com I’m In!

  • Rating
    first u wanta kill us now u wanta be us says:

    March 24th, 2013 at 3:36 pm

    I thought this was about scams not race…do not use this platform to spread ignorance and bigotry. . Native Americans have been lied to abused and betrayed by the white race sense day one when the first trusting chief “touched hand to pen” on the first of many treaties that were never kept. Do the loan don’t do the loan… But get educated on history not bigotry ….


    Spellchecker says:
    April 30th, 2013 at 4:30 am

    I am quite confident that it’s physically impossible to taste bigotry. So why don’t you “Get Educated”.

    robert says:
    April 6th, 2013 at 4:04 pm

    Under u.s. law this would be illegal. Once the loan is paid you will pay more interest than what u get out of it. But since this is on a reservation there are no laws. So yes this is a scam in my mind and I’m not trying to be racist

    RetiredPSL says:
    April 4th, 2013 at 4:25 pm

    You say dont spred ignorance. Come on. This company is a complete ripoff and dont use it as a excuse to “get even” with the whities. What a jerk you are.

    Aradia says:
    April 2nd, 2013 at 6:24 am

    Don’t be so touchy: all that is pointed out here is the jurisdiction and the (lack of) recourse you may have in case of a problem because of it. Nothing to do with race.

  • Rating
    Susan says:

    March 19th, 2013 at 2:13 pm

    YOU MUST ALL FILE A COMPLAINT WITH THE FBI. Please see the disclaimer on the bottom of the http://www.westernsky.com website: “WESTERN SKY FINANCIAL is owned wholly by an individual Tribal Member of the Cheyenne River Sioux Tribe and is not owned or operated by the Cheyenne River Sioux Tribe or any of its political subdivisions. WESTERN SKY FINANCIAL is a Native American business operating within the exterior boundaries of the Cheyenne River Sioux Reservation, a sovereign nation located within the United States of America. Western Sky loans are not available to consumers in California, Colorado, Maryland, Missouri, South Dakota, Washington and West Virginia. © 2012 Western Sky Financial, LLC. All Rights Reserved. 612 E Street Timber Lake, SD 57656 (877)982-1679”
    They are SAYING THEY ARE NOT under the jurisdiction of the US local laws But you can file a complaint against them with the FBI and maybe also against the TV network that aired their ad, because they are “aiding and abetting” in the commission of a crime that falls under the RICOH statutes! Why? Because they charge 89%, yes, that is right, eighty nine percent! Higher than organized crime used to charge under Al Capone!!


    inge says:
    April 19th, 2013 at 8:13 am

    Touche, but it is legal. It is all about the American Dream and they took advantage of it.
    This is not a racial issue but an American issue. I am a proud American but I am in tuned with our great history. Brush up on your American history and then point your finger were it truly belongs.

    Aradia says:
    April 2nd, 2013 at 6:28 am

    The atrocious APR and loan fees for the different loan amounts is disclosed on their site. If you borrow from them anyway, the stupidity is on you.

    QUAN says:
    March 20th, 2013 at 9:13 pm

    So are they legal in GA?

  • Beezy says:

    March 17th, 2013 at 2:05 am

    Ha! I like love you! Best way to describe it!

  • LB says:

    March 8th, 2013 at 12:08 pm

    By the way, don’t let Western Sky fool you. It is not owned by the Cheyenne River Sioux Reservation, merely by a member of the tribe, Martin Webb. There’s a difference.

    Companies like this who are not licensed to do business throughout the country should not be allowed national advertising privileges.

  • Rating
    Peggy says:

    March 3rd, 2013 at 3:18 pm

    I have super bad credit because I have a lot of unpaid medical bills due to needing emergency surgery and not having medical insurance offered at my job. My car died and the repair estimate was so big I could not afford it. I tried to buy another car at the dealership but they could not get me financed because of my credit. I could not find a cosigner with good enough credit to help either. I tried getting a personal loan through my bank to help repair the car, but got denied. I applied for a credit card to help repair the car, but got denied. My friends and family could not afford to loan me the money to fix my car, either. I tried pawning a lot of my stuff but only raised half of what I needed. So, as a last resort, I applied for a loan from Western Sky. I was approved for $2500.00 and had it the next day in my bank account. I got my car fixed and was able to get back and forth to work. The problem was the huge payments $300.00 a month on the loan. The interest is so high, I’ll have paid over $15,000.00 by the time I get it paid off. (If I could have got financed on the used car I was trying to buy, I would have paid less.)
    I never would have got the loan if I wasn’t desperate ….but I am thankful they were there because I was really in a jam and needed the cash.

  • Brian says:

    February 28th, 2013 at 11:57 am

    1 Payment Made 8/1/2012 $1.96 $341.25 $0.00 $343.21
    2 Payment Made 9/1/2012 $2.18 $292.28 $0.00 $294.46
    3 Payment Made 10/1/2012 $2.43 $292.03 $0.00 $294.46
    4 Payment Made 11/1/2012 $2.70 $291.76 $0.00 $294.46
    5 Payment Made 12/1/2012 $3.00 $291.46 $0.00 $294.46
    6 Payment Made 1/1/2013 $3.34 $291.12 $0.00 $294.46
    7 Payment Made 2/8/2013 $3.72 $290.74 $0.00 $294.46

    The small number is the amount that went to my principal and the largest number is the payment amount each month which is normally 294.46 the amount of approx 291.00 is interest paid. God would never want you to be caught in a trap like this, just thankful I can finally pay them off for good on March 1 2013. Basically 2 to 3 bucks goes towards your payoff a month when you pay them almost 300 a month on a 2500 dollar loan. I borrowed like 2500 and here it is six months later and I owe them like 2750 to pay it off. OUTRAGEOUS!

  • Rating
    fawn red deer says:

    February 27th, 2013 at 11:05 pm

    i barrowed from Western Sky and had a good expirence. they worked with me when no one would, and they gave me the money i needed to get by ,until my check came. God Bless Western Sky.


    life256 says:
    May 7th, 2013 at 8:52 am

    I see what you did there, FAWN RED DEER.

    Rose says:
    March 2nd, 2013 at 5:25 pm

    This is a good deal for drug dealer or bank robbers, Or someone who is expecting a wind fall of cash. This is not for a poor broke guy who is looking to make payments. Because there is more of a possibility that you will died of old age first.

  • Brian says:

    February 25th, 2013 at 12:17 pm

    This is the thing…. When you get your loan from Western Sky it is immediately sold to a company called CashCall, Cash Call is based in the USA. Therefore YOU ARE legally responsible to repay loan or it does show up on your credit… Take that to the bank! Bout to pay these thieves off this Friday, thank you Jesus for the bonus I’m getting, of it wasn’t for that I don’t know how I could have paid them off early


    LB says:
    March 8th, 2013 at 12:01 pm

    Both companies are in the USA but their high interest loans are still considered illegal in most states. Western Sky or CashCall are not even licensed in most states where they are doing business (in some cases these loans are even illegal in their home states. They use the internet to try to circumvent those laws. Some states have even taken them to court…i.e. Maryland, check West Virginia v. CashCall where they were forced to pay back money. I also remember reading somewhere that tribal lenders and their connections with other lending firms will be investigated by the Federal Trade Commission. Also look into the case of race car driver Scott Tucker, who did a bit of time for bank fraud of all things, whose company partnered with several tribes to offer payday & short-term loans. A few years ago Paul Reddam who owns CashCall was sued by the State of California along with the company. Articles about these people and their business are all over the internet.

  • Rating
    Doug says:

    February 24th, 2013 at 2:28 pm

    After reading all of the bad reviews above, I had to really ask myself and those that made the mistake of getting a loan from these predators—–“When you looked at the rating chart, did you have a mental lapse or did you think they were kidding?” Anyone who applied for and took a loan from these idiots deserves what they got themselves into.


    jr says:
    September 20th, 2013 at 2:54 pm

    Doug, so based on your comment, if anyone takes out a loan from WS, they are idiots because they knew the terms, right?
    So if i go to a doctor to get some type of medication am I an idiot because i did that? Only to find out that this Doctor isn’t even licensed.

    I understand your point, people who are desperate or not, should look at the full picture of cost of paying back these loans. But after talking to many individuals and families, when desperate, choices are made with lack of focus and decision making ability.

    My point with the doctor illustration is just that two wrongs don’t make a right. Most people from what I can see on this site that took out a loan still did it knowing that there were outrageous interest, etc. But most people did not know that IT WAS AN ILLEGAL LOAN.

    So many people took out a loan, and didn’t do enough research. As you make assumptions and haven’t done all of your research. If states are now taking WS/Cash Call to court, and winning, it means they can’t lend money illegally, period.

    jo says:
    May 21st, 2013 at 3:00 pm

    doug: there r times people have things going on like funeral costs and haver no other options….maybe your not one of them idiots as u say….so u the idiot know peoples situations b4 putting in your 2 cents…people make mistakes but it still doesnt give others the right to do business illegally….

    Rose says:
    March 2nd, 2013 at 5:34 pm

    I read the fine writing and stayed away. but it just piss me off knowing some are not that smart and have got into this drive to Hell.
    Were in the heck is the “Better Business Bureau”

  • Rating
    scooter dooter says:

    February 24th, 2013 at 12:54 am

    well ladies and germs this is probably the number one biggest rip-off loan offer out there


    @clockman says:
    March 5th, 2013 at 12:22 pm

    Your comments are ridiculous. Western Sky did not get into this business to fight for land. Just like every other business that open their doors to the public in the US, they are in it to make a profit. In this case, a hefty one. It is totally up to the applicants to take a loan from this company. Freedom of choice! Heard of it? The high fees is because of the high risk which is considered at the start by pulling a credit report. They already have a system in place in case of default. Charging high fees is just a cover up. PLEASE READ THE FINE PRINT PEOPLE!!!

    You make too many assumptions “clockman” on why people have debt. You don’t know sh*t about other people debt so you can’t speak on it. Speak of your own and since you are on this blog, you have at least inquired about a payday loan in the past. Why else are you here? Any type of payday loan is a short term loan. It is not meant to be long term. If you are in a jam folks, a payday loan maybe the only result but remember it was created for you to pay back as soon as possible (PAY-DAY) get it? In Western Sky’s case, some people are thankful they are around because they have an immediate need and they know how to use this type of loan. The longer you pay on this loan, the more money Western Sky make so don’t complain!!! Just have a way to pay it off as soon as possible.

    clockman says:
    February 26th, 2013 at 11:12 pm

    Never never take out a loan to pay a loan I don’t care who the lender is. That is why Americans are deep in debt. I see people on this page saying they had to get a loan or live in the street. Folks, take responsibilty for your actions, sell your flat screen, cancel your cell phone with unlimited texting, cancel your cable tv sports sunday packages, start eating meals at home, and sell your furnature if you have to, and sit on the floor and pay your debts but don’t take out a loan to pay a loan. As far as Western Sky, hey don’t complain if you have a loan with them, they are not crooks, they are oppourtuist and they know that people will take out a loan no matter what the payback rates are just because it’s easier to pick up the phone, make a loan rather than buckle down and live within your means. So think about it, how did you get in debt in the first place? For the vast majority of people it’s because that get credit to buy crap they really don’t need. As far a not having to payback the loans because they are a nation within the United States and their laws don’t apply to us as far as contracts are concerned. Really???? Don’t be that stupid, Western Sky would not loan a single red cent (pardon the pun) if they ever thought that they would have no recourse if the person did not repay the loan. Folks, make no mistake you are entering into a legal contract and you are bound by the rules of that contract. maybe these native American loan companies are trying to get some of the intrest back that they feel they have lost because of the taking of their land. Just a thought, If my comments have offended anyone, good, but it made you stop and think.

  • Rating
    frankie says:

    February 23rd, 2013 at 3:27 pm

    I rather go to my local loan shark in brooklyn! the wise guys wouldnt even do this BS that western sky is doing.

  • Rating
    Lisa F. says:

    February 21st, 2013 at 2:54 pm

    Please, Please, Please do not borrow money from this company. I borrowed $2500 in July 2012 and it is now Feb 2013. I pay $294.00 per month. So I have paid back almost $2100. I get my tax refund and want to pay them off and ask for a payoff balance it is $3100.00. I don’t care if I am about to be homeless or repossessed, I will never, ever make this mistake again! I wish someone put them out of business, they are getting over and smiling all the way to the bank. I see no way out!


    reddog says:
    April 11th, 2013 at 9:58 pm

    So have u just blocked them from ur account they do lie until u see the contract after u agreed

    Luv2uallday says:
    February 28th, 2013 at 1:12 am

    @Dwayne It is true this is a predatory loan scheme. BUT it’s the borrower’s responsibility to know what he or she is signing up for. The lender DIDN’T trick hide or obfuscate the APR and costs. The borrower made a bad decision out his or her situation. But bad decisions no matter what have consequences. Even IF Western Sky can’t collect on their debts. The borrower would in effect be stealing from them and lying cause the lender and borrower are bound by a contract. A expensive contract but a contract nonetheless.

    The price of freedom is responsibility. We can either own up to our choices in life and live a clear conscience or take the easy way out and pay a much higher price.

    no longer a fool says:
    February 22nd, 2013 at 3:38 pm

    Lisa I am in the same exact situation, whatever it takes I will pay them off with my tax refund in JESUS Name !!!

    Dwayne says:
    February 22nd, 2013 at 12:13 pm

    Theres nothing they can do to you dontpay the loan back. The only way they can touch you is if youy step foot on there reservation. And if they put it on your credit report the U.S. doesnt even reconize it as its conscidered a out of the country loan. And will remove it from your report immediately. Read this.

  • Bob says:

    February 14th, 2013 at 11:31 am

    I assume the reply is meant to mean you have little recourse since they operate as a “sovereign” nation.


    Bill says:
    February 17th, 2013 at 9:21 pm

    There is nothing “sovereign” about any tribe. All of them pay fed tax, the FBI investigates crimes on their reservations and their men must register for the draft. Does that sound “sovereign”?

    dont be ignorant says:
    February 14th, 2013 at 2:53 pm

    It is not run by the tribe.
    And yes there is recourse. Do people really think if they do not oblige a signed contract, or break tribal laws that’s it?
    **Here some info for just something minor; if you speed on a reservation you get a ticket for court in the city. If an Indian signs a contract off the reservation, the outsider comes to tribal court. if a contract is signed by an outsider, the Indian can go to tribal court but will more than likely file in the city civil court.
    Always been that way.
    haha, silly people with fantasy ideas and ignorant answers.

  • Rating
    DISGUSTED says:

    February 12th, 2013 at 2:13 pm

    Please do not venture in this scam call the atterney general right away. It is not what you think it is.Please please dont.

  • AmandaIsHot says:

    February 11th, 2013 at 7:23 pm

    Amanda Howell is the only good thing about those commercials. She is super hot but they are a joke lol they’ll give you $10,000 so you can pay $70,000 back.

  • WHY says:

    February 11th, 2013 at 1:51 pm

    A rip off.

  • Rating
    Dingleberry says:

    February 9th, 2013 at 12:43 am

    Took out a loan with this company needing money for bills and couldnt wait for my tax return, interest was stupid high on my 2600 loan. Their fee of 75 dolars wasnt bad compared to other companies (i shopped around) and since I had no choice either live on the street with my children or take outa payday loan which garnishes my wages or a car titleloan (refinancing my already paid for car?!) Thanks to the agent who suggested I make larger payments I paid it off in four months time since they come with no prepayment penalties and I also earned some credit score points along the way (which I desperately nee

  • Rating
    Driver Driven says:

    February 8th, 2013 at 9:26 pm

    Being an over-the-road owner operator truck driver. My truck broke down with an unexpected repair. This happening shortly after another repair that I was prepared for but drained my maintenance fund. Lets face it, sometimes you need money and just don’t have a quick and easy way to get it. You could go to one of those payday loan places at over 400% interest. ($1000 will cost you $1800 over a month period) Western Sky was able to approve me and wire transfer $5000 into my account in a few hours. My payment is a fraction of what a payday loan would be. I’m back up and running and should have this loan paid off in about 5-6 months. Thank you Western Sky.


    Eric Jyllah says:
    March 9th, 2013 at 11:23 pm

    Wow. I couldn’t stop laughing at Driver Driven comments. I owned a truck and the first thing the company that I leased on with said can you afford repairs? They said if not move on. Afraid I would use com data checks and not be able to make deliveries. Why Western Sky would make this so obvious is beyond me. Silly comment. But funny.

    NotThatBlind says:
    February 28th, 2013 at 2:39 am

    Complete Lie no one would ever thank this company. also you state the “other payday loan places” interest rate yet no mention of Western Sky’s interest rate. Very suspect. and how much did you end up paying after 5-6 months?

    no longer a fool says:
    February 22nd, 2013 at 3:55 pm

    Yes it is a rep for sure

    ^Aye hole says:
    February 12th, 2013 at 3:25 pm

    This is clearly a rep with the Western Sky company.

  • Rating
    Wake up people says:

    February 6th, 2013 at 5:03 pm

    Why would anyone think it’s a good idea to borrow money from Indians? Are you out of your mind?


    Rob says:
    March 17th, 2013 at 1:05 am

    There is nothing wrong with the tribe you have to understand that everyon wants to make money

    I'm white says:
    February 19th, 2013 at 2:18 pm

    Don’t be ignorant. There are bad people not bad races. Just want people to know it is the same with whites. We aren’t all racist.

    Hahaha says:
    February 17th, 2013 at 2:25 pm

    So true.

    from one Indian to you? says:
    February 11th, 2013 at 9:07 pm

    God bless you? if you dont like Indians please keep your comments to your self.thanks and again god bless you.Loan companies are all the same, they will get you one way or another Indian or what ever race. Cherokee in ok?

  • Rating
    greg says:

    February 6th, 2013 at 8:55 am

    great service

  • Rating
    Reality-Check says:

    February 5th, 2013 at 12:34 pm

    Hello!!! Reality check here.

    Everyone should take out one of these loans, and I’ll tell you why, you do not have to pay them back as they are non-enforcable. These loans are illegal in the US and are therefore null and void. They cannot post to your credit report, seek remedy in court, etc. These loans are governed only by the tribe and enforceable only on tribal lands by tribal courts. These clowns take a huge risk loaning money to non-tribal members. Take the loan, close the bank account, and change your number and address (of course not all of these steps are practicable for most people) and whistle dixie :)


    Wiser Now says:
    March 25th, 2013 at 10:23 pm

    I am in agreement with Reality-Check. Some states prohibit payday loan companies, or any loan that charges you excessive fees past the principal, or the actual amount that you received. If they are not licensed in your state or anywhere in the U.S., or their interest is too high based on your state’s laws makes it illegal. Research your state laws on lenders, or predatory lenders. Western Sky is a predatory lender because their rates are based on short term payday loans, and they apply those same rates to long term installment loans which is crazy. I saw their rates and immediately said “hell to the No”! They won’t get me!
    I did read that after a 30 day grace period they can demand the full balance to be paid upon notice, and they do turn it over to a collection agency, and report to the credit bureaus if you default.

    So with anything read the fine print, and use extreme caution before signing with them. There are other companies out there that will loan you money with reasonable rates, some better than what you may even pay on a credit card. So, google, research, check the reviews, and make a better choice.

    Seriously says:
    February 10th, 2013 at 11:34 am

    You are the most dishonest and bigoted thing I have ever heard!!If these loans are not for you fine but some people don’t have a choice or family they can turn to. May God have mercy on your soul!!

  • Rating
    Brock1999 says:

    January 30th, 2013 at 4:10 pm

    If they are considered a sovereign nation with US boundaries then if you do not repay the loan and default its just like if you had bad credit when living overseas. It cannot follow you back to the states financial system and show up on your credit report. Someone confirm this.

  • Rating
    Chris says:

    January 29th, 2013 at 4:29 pm

    I pause the TV and look at the fine print for 10,000 dollars the terms are 84 months at 780 dollars per month you will pay 80,000 dollars back on that 10 grand ohh my God you have to be insane and blind to borrow that money sorry I don’t have any punctuation the phone keys are too small for my fingers.

  • dmlv says:

    January 29th, 2013 at 12:40 pm

    OMG!!!! This is insanity!!! I can not believe that loans like this can even be advertised and made in the United States. DO NOT GO THROUGH THIS COMPANY FOR MONEY. Seriously…big, no gigantic RIPOFF.

  • Rating
    blakesmimi says:

    January 28th, 2013 at 9:58 pm

    Glad I researched before filling out an application… the interest rates, well holy hell you’d have to already be rich to afford this bad deal, and if you’re that rich you wouldn’t need it.

    Only thing I dealt with as bad as this was getting a lotto winning mailer that came with a precheck to cover ‘fees’ then you deposit or cash it ad wire some of the money back to get your lotto winnings, but then the check you cashed or deposited bounces in a week or two, and you are still on the hook with the bank even of they called multiple times to verify validity before you ever even use the money. My bank took me to court for this issue, because basically though I wanted to we couldn’t repay them at the time; court just added more fees, so once the judge left the room I said to the bank lady… ‘well, all you succeeded in doing was adding more to the total balance that I already can’t pay you…’ lol, we never heard from the bank again about that issue.

    There are too many ways non US countries are finding ways to prey on us, its worse that there are also so many in the US doing it to us too. My prayers go out to anyone who felt this company was their only way out of a tough situation, only to get stuck in a worse one.


    blakesmimi says:
    January 28th, 2013 at 10:05 pm

    I’m just noticing other posts that gave more than one star which I do not understand. Western Sky doesn’t even deserve 1 star…but they should have it on a 0-5 rate scale to get the 0 they deserve.

  • Banging head against wall says:

    January 28th, 2013 at 1:50 pm

    I heard about this joke last weekend. WOW. This whole company is a pretty funny scheme. I really can’t understand what is with the people who have come here and said “thanks to these reviews, you’ve saved me from making a mistake!”. SERIOUSLY? You can’t go to the Western Sky website and click ONE BUTTON on top that says “Rates” and figure it out for yourself? HINT: There is probably a built-in calculator on your computer… take $743.49 hit the X button, then 84 payments. Good deal, right?


    jimmyv says:
    February 28th, 2013 at 9:28 am

    blakesmimi , what loan company did you use? Thanks

    blakesmimi says:
    January 28th, 2013 at 9:39 pm

    I agree. I was starting to research reviews on this company after I saw the commercial; then I just checked their webpage, and you’re right, the rates are outrageous. I had found a company that wasn’t really a payday type loan, it came in the mail with an offer for me and one for my husband. Since he’s the one working and we were really short on cash with a 22 member family vacation to disney world scheduled and paid for by another family member just weeks away, and I can’t work, I decided to apply quickly for this thing from the mail, only because it takes payments instead of your next paycheck, and with all the loan types like this that I researched, the fees were not as bad as I expected. Bottom line on that was I felt more secure knowing we had money in the bank for vacation if we needed it; bottom line on WESTERN SKY… Biggest scam I’ve ever looked into, I feel bad for those who didn’t see all the info before signing up with them. It would take a multi income family and working probably more than 1 job each to repay Western Sky.

  • Rating
    mustangmach says:

    January 27th, 2013 at 9:23 pm

    You would have to be an idiot to borrow money from these loan sharks. I’m shocked that this stuff is still legal. The $10,000 loan they show on tv in my area has an APR of 88% in the fine print, the minimum payments are $743 for 84 months, which comes out to over $62,000. They ought to be thrown in jail.

  • Understand these things. says:

    January 27th, 2013 at 4:03 pm

    Been on both sides, the desperation side and the stupid side. But things you borrow must be paid back. go to pantries. Get the lights shut off, or even live in your car for a while. Anyone who takes this loan had better have a decent job, or good income to pay these off. You are making a mistake otherwise. This is a poverty, meets even worse poverty transaction. Life is way to short. Been there and done it. May not have been Western Sky, but it was a Yugo. Piece of crap car. Young and dumb. Now old and still dumb, but not this dumb.

  • Jay says:

    January 27th, 2013 at 12:07 pm

    Western Sky is another name for highway robbery.

  • Rating
    jake says:

    January 25th, 2013 at 7:57 pm

    hello…so rinise said above I made the mistake of taking out one of these loans! I was fortunate enough to pay it back after only 2 months, but most probably won’t be able to do so. Did you pay it back or not? I need a loan for 5000 until march and the and banks won’t loan me score is still too low. I know in march I can pay it off with the high interest..i def don’t need the 84 mnth plan.

  • Rating
    early graham says:

    January 25th, 2013 at 3:55 pm

    I borrow 1500 and the company that made the check out and mailed it, they said i had a late fee, then they said pay the late fee you are guarantee a loan after paying the 207,00 ,and was not my fals


    Voice of Reason says:
    April 22nd, 2013 at 5:18 pm

    Huh?? You need to take out a loan and go to school. You’re comment is rubbish, hogwash!

  • Common Sense says:

    January 22nd, 2013 at 9:40 pm

    I have seen Western Sky commercials for a while now, and every single time I see one I laugh, and I think to myself “there is no way people actually fall for this!” I guess I don’t understand people who see a commercial and immediately just call and get a loan without doing ANY type of research. If you go to their website they disclose their rates right there, who looks at a rate of 100% interest and thinks to themselves “Yeah, that’s reasonable.” If you borrow $10,000 from them and utilize their 84 month payment plan you are paying them back about $65,000. Who in their right mind actually does that?


    Deevius says:
    July 11th, 2013 at 12:02 pm

    I agree… these loans are for people who are bad at math!

    amy says:
    January 28th, 2013 at 9:37 am

    Like ah! said….Sometimes you are desparate

    ah! says:
    January 26th, 2013 at 4:48 pm

    people who need to feed their kids

  • Tompy says:

    January 22nd, 2013 at 12:38 pm

    One question….if you get a loan from them for 5K sent to your checking acct. and then take the money out and close the acct. can they come after you? They are another Nation, correct? They have no police force, right? Do they have lawyers? I would think not on both of those questions. So, I wonder how they collect on the eventual defaulted loan.


    dont be ignorant says:
    February 14th, 2013 at 2:46 pm

    No, because it is a federally run tribe you can not think your going to sign contracts and fail to own up to it without consequence. You ARE NOT SIGNING A CONTRACT WITH THE TRIBE, BUT WITH AN INDIVIDUAL(S).
    It is just the same as an Indian signing a contract or having medical care off the reservations, they have to pay the bill or consequences occur.

    NeS says:
    January 30th, 2013 at 7:19 pm

    I think you are correct. I think they have no recourse, but will probably have collection agants call & threatend their customers.

    champ says:
    January 26th, 2013 at 8:27 pm

    Goof balls.

    These people didnt do there homework. I guest.

  • Rating
    justsomeguy says:

    January 20th, 2013 at 1:39 am

    Jeff, the numbers you cite for interest costs don’t include the loan fee. For example the $850 loan only gives the borrower $500, adding $350 to the total interest/fees. OUCH!

  • twdennis00 says:

    January 18th, 2013 at 6:32 pm

    Reservations are not subject to the laws of USA they are separate and their own sovereign nation.
    That is why they can charge any amount they want without reprisal from the Federal or State attorney generals.

    You have no recourse with Western Sky, this is why you never want to get loan with them, they can change at any time and you could even owe more than what your terms were at the start of your loan contract

  • Rating
    Jay says:

    January 18th, 2013 at 5:52 pm

    I checked out the websites for both Western Sky and Money Mutual which uses Montel Williams as a spokesperson. I then read the reviews. Both are outrageous. Their interest rates are worse then a loan sharks. The one difference is that WS at least shows you the interest you will pay on the loan up front, not so with MM. For those of you who are calling others stupid, there are two sayings you should keep in mind before commenting about others you know nothing about. 1) There but for the grace of God go I. In other words be grateful for not making the mistake of borrowing money from Western Sky. 2) Walk a mile in the other persons shoes before saying anything derogatory. You have no idea what the other persons life is like or what may have happened to them. You cannot say something nice do not say anything at all.


    yelbis says:
    March 3rd, 2013 at 1:54 pm

    Believe me ive walked plenty of miles and strugled but ive never been desperate enough or dumb enough to take out a loan from any of these ripoff companies hard work and over coming obstacles has landed me a 100k income I understand being desperate but it doesnt mean u have to put urself or family in more debt

    Seriously says:
    February 10th, 2013 at 11:41 am

    God Bless!! I completely agree all “Don’t judge till you walk a mile in these peoples shoes.” these individuals who judge I pray they NEVER have any traumatic experience that would lead them to borrow money from these companies.

    KJ9 always says:
    February 5th, 2013 at 1:52 am

    Great post Jay

  • Rating
    Grateful says:

    January 17th, 2013 at 6:59 pm

    Thank goodness my state protects us from this company!!!!!


    skeptic says:
    January 22nd, 2013 at 3:44 pm

    Your state does not protect you from this company. You borrow from them, you’re on the hook big time.

    Not and idiot says:
    January 18th, 2013 at 7:52 am

    Grateful, why do you need the government of your state to protect you from being stupid? Jeez people, grow up.

  • Rating
    Bodie says:

    January 11th, 2013 at 6:17 pm

    I have read everyone’s statement. Don’t judge what an individual does since you have no clue what their situation is. You are correct in that this is a TERRIBLE company. I knew that I should not have made a loan with these people and yet I did it anyway. I can’t tell you how much I dread on a daily basis that I did. I was in a desperate situation (these are the people that they prey on). I had nowhere to get the money that I needed. Banks won’t give you a second chance. These people are TERRIBLE. PLEASE do not borrow money from these people. I don’t know how anyone working for this company can sleep at night.


    NeS says:
    January 30th, 2013 at 7:17 pm

    I read online that since they are operating under the laws of a soverign nation (Tribal Native American) that they can get away with thiese types of loans which actually are illegal. BUT IF YOU DO NOT PAY THEY CAN NOT SUE YOU OR DING YOUR CREDIT RATING. Do a google search, this is how I found this information. They are robbing people so I say if you default, I do not judge, you were in a tight spot & took out a loan. It happens to a lot of people. If you do not pay them back I do not beleive they have any recourse. They will call you & they probably will threaten your credit score, but I do not think anything else will happen. You may want to research it.

    blakesmimi says:
    January 28th, 2013 at 9:36 pm

    I feel bad for you and understand how they can prey on the really desperate…I’ve been there but thankfully never signed with this company. It should be a requirement when consumers go to their site that they view and e-sign/agree to every angle of it especially the interest rates page. I viewed that page and almost had a heart attack.

    I hope you can manage to make it through the payments until you get them down low enough where a local lending agency or bank will pay it off and give you payments at a cheaper % rate.

    champ says:
    January 26th, 2013 at 8:34 pm

    People need 2 tweet this out .thx

  • Rating
    MBA says:

    January 11th, 2013 at 6:00 pm

    This is the real world quit your complaining about fairness and IQ. It comes down to free enterprise yes taking one of these loans isn’t wise unless you pay it off fast then it isn’t as bad. However, this service does save allot of people in times of great need wisdom sometimes has to come second to needs.

  • Rating
    pookie says:

    January 9th, 2013 at 8:59 pm

    Your rates are way to high

  • Rating
    miketech says:

    January 9th, 2013 at 12:00 pm

    I only want to add to this discussion that there was a thing called usuery laws that brought a little reason to all this. In todays world, if you need money for an emergency such as car repair you can go to a bank and get it if, and only if you have an 800 credit score or you can pay high interest. In the case of Western Sky and all the payday loans the interest rates are ridiculously high. So high that they actually drive people to default because they can’t see an end to it.

    Personally, I feel the big banks (who now spit on people of marginal means) should have been charged 600% interest when they took the bail outs. At that time I would put their credit scores at about 003.

    I guess, as they say in the movie “GREED IS GOOD”


    slsman says:
    February 1st, 2013 at 4:37 pm

    based on the usery in MA, an installment loan cannot be charged out at more than 21%. Obviously, that would not make them any money. It is absolutely egregious the way the do business.

  • Rating
    Anthony says:

    January 8th, 2013 at 11:10 am

    If you’re already $50k in debt, and about to file for bankruptcy, sure tack on some more. If ur I.Q. is average, at the very least, then you KNOW that taking a loan from these people will prove to be a catastrophic mistake.


    eevviillangel says:
    January 16th, 2013 at 12:56 pm

    I agree with Nature vs. Nature, the economy and just the way of the world today makes it hard for you not to have to go to a company like Western Sky. I.Q.??? what’s yours if you posted that statement

    Nuture vs. Nature says:
    January 11th, 2013 at 10:29 am

    Anthony, in this economy, when people have shut off notices, no food in the refrigerator, and children for which they must provide, the last thing on their minds is how much debt that have already accumulated. They see payday loans as a quick solution to their downfall. I.Q. has absolutely nothing to do with survival. You should be ashamed to even say such things. How about you, because you’re obviously so much smarter (rolling eyes), coach all the rest of us idiots in the world how to live as grand as you…

  • Rating
    Lindsey says:

    January 7th, 2013 at 6:11 pm

    We knew the interest would be high but we also knew that we would be paying off after a year. What we didn’t know is that they chose to charge us $9 a day because they claim the loan “increases in value”. If we hadn’t been able to pay it off, we never would have been able to. DO NOT GET A LOAN FROM THESE PEOPLE! To pay off, we are having to spend $400 more than the actual start of the loan!

  • Rating
    Jamila says:

    January 3rd, 2013 at 7:32 pm

    I was trying to find a loan to help me fix my credit but it seems that Trusting western sky is no better than trusting a poker player. I wanted to start the new year with a better start but it seems that if we were to use this loan company then life will crumble in a blink of an eye. Thanks to everyone who gave their review.

  • Rating
    Rinise says:

    January 2nd, 2013 at 6:19 pm

    I made the mistake of taking out one of these loans! I was fortunate enough to pay it back after only 2 months, but most probably won’t be able to do so. Borrowing $5000 means that you’d eventually repay them $40,000+ if you take advantage of their “easy payment plan”…HIGHWAY ROBBERY!! During your first 2 months of making regular payments, the principal loan balance is reduced by only $0.02! DONT DO IT!!! Borrow money from friends, take a second job, do anything but burden yourself with a loan from this predatory company. The one thing I will give them credit for is full disclosure…the fact that you’ll be paying about 115% (on a $5000) loan is spelled out on their website.


    john says:
    February 4th, 2013 at 9:21 pm

    anything over the minimum goes toward the principal amount. since interest accrues daily, all you’d have to do is pay 20 to 25 dollars more to see the principal amount drop. and these loans aren’t typical loans, its quick cash, expected to be paid back as quickly.

  • Rating
    Jerrelle n Jayme says:

    December 29th, 2012 at 7:47 pm

    Thank u so much for all the reviews. We almost made one of the worst mistakes we culd have made financially. 100% appreciative.


    MGMMLL says:
    January 17th, 2013 at 10:03 pm

    I agree, thanks to everyone. I saw the absurd interest rates in the 3 second frame of fine print on the TV and decided to see if they were serious. I ended up on their website and saw, as stated above, the disclosure. Yeah, I.Q and desperation are two different things. Common sense is another. No matter how bad things got, if i were looking for a loan for “An emergency” i would still do groundwork on whatever company i was currently looking at using. In this situation, i just figured, “Hey, why not. I could use some spending cash and extra credit.”

    Groundwork! This website was helpful.

  • Rating
    Kim says:

    December 26th, 2012 at 1:03 am

    I made a mistake of taking out a title loan since I needed money bad, and the interest rate is HIGH, and I am trying to get this thing paid off in the next 6 months since interest is accruing literally at $2 a day. Western Sky sounds just as bad. First the payday loans, then they became illegal here, then title loans, which are WORST and just as bad, and now Western Sky. I would see an attorney or some type of company that specializes in these types of loans since you will have a horrible time paying it back. And if you make the minimum payments, you would have paid 4, 5 times the amount you borrowed. Not everyone is able to pay these things off early. Do not use this company. How anyone can work for a company like this and sleep at night is really beyond me. Speedy Cash, Western Sky, they are all highly predatory and the interest rates should be illegal.

  • Rating
    Margot Fernandez says:

    December 24th, 2012 at 4:00 pm

    Western Sky advertises heavily, claiming to be a kinder, gentler lender who can help you solve your financial problems. I was in need of immediate money so I tried to borrow from them. Everything went well until they decided to demand more documentation from me, such as bank statements, Social Security documentation and Letter of Award from my pension. When I did not produce they dropped me without even a follow-up email. I also presume that my credit score was dinged when they checked it out. For me it worked out, in that I managed to get the money I needed with understanding from those who were taking care of me, but for the ordinary person, avoid Western Sky like the plague! They seem to think that they only have to follow rules when it suits them–they DO NOT lend money unsecured, without references. They are awful–stay away!

  • Rating
    Smarter than you says:

    December 18th, 2012 at 2:04 pm

    Are all of you people that did or “almost” did utilize this program stupid?? Apparently so. Hey, I’ve got some oceanfront property in Iowa to sell you REALLY CHEAP!!

    Come on, get a clue. ANYTHING that sounds good or easy online or on TV or over the phone is absolute BS and should be avoided at all costs. How does the American public keep getting duped by these predatory businesses. Wake up!


    Desperate says:
    January 8th, 2013 at 12:13 pm

    I think SMARTER THAN YOU and JUST ME are really being critical. Have you ever been broke? I mean really broke, not the I dont want to dip into my savings kind of broke I mean the rent is due tomorrow and I have no money kind of broke. I think the word you used against people that did or “almost” did is really harsh. Not stupid just desperate to make ends meet.

    Fortunately I read these comments before I applied with them. Thanks for the heads up!

    Anthony says:
    January 8th, 2013 at 10:45 am

    “Me says:December 22nd, 2012 at 8:28 amThere are laws that protect these rip off businesses who can destroy your life after scamming you and there is no protection for consumers. So when a person fall trip , as people sometimes do; then oh well we all an bite the bullet sometimes,including the ripoff Western-sky . Then some people can get money or are surrounded by someone with money and don’t have to get caught up in scamming situations. For those folks, say thank you that it isn’t me.”

    Sorry, but “Me”, that is one of the most poorly written comments I have ever read. I think what you were trying to say is: There are laws in place to ensure that loan companies are paid back the monies that they loan out, but no laws protecting the consumer. This makes me wonder if you even read the article. Then, I think you were trying to say: If someone falls on hard times, and they have the ability to get financial assistance from anywhere/anyone other than a “Western Sky”, they should be very grateful.

    Did I understand you correctly?

    Just Me says:
    January 2nd, 2013 at 8:56 pm

    I agree with Smarter Than You. When I see these commercials on TV, all I can do is laugh. Then I sit there and think to myself, I wonder what idiot actually fell for this. I often come on sites like this; just to see how actually fell for it. In today’s world, everyone is in a hurry and no one wants to take the time out to do research before doing something like this and some people also don’t have the common sense to think about is that a good thing or not. Well I’m glad I am a thinker before reacting.

    Me says:
    December 22nd, 2012 at 8:28 am

    There are laws that protect these rip off businesses who can destroy your life after scamming you and there is no protection for consumers. So when a person fall trip , as people sometimes do; then oh well we all an bite the bullet sometimes,including the ripoff Western-sky . Then some people can get money or are surrounded by someone with money and don’t have to get caught up in scamming situations. For those folks, say thank you that it isn’t me.

  • Rating
    Kevin says:

    December 14th, 2012 at 9:36 am


  • Rating
    cindy says:

    December 13th, 2012 at 9:37 pm

    They will loan you the money even if you only make what the payment would be. I did a loan with them but they neglected to tell me they weren’t licensed in Colorado and they were being sued by the state. You can only get the loan if you agree to let them automatically pull it from your account. They then will pull other money (supposedly fees pertaining to the loan) whenever they want without your permission because its in the documents you sign and not in the disclosure you read before you sign.

  • Browsing says:

    December 12th, 2012 at 10:40 pm

    Thank you everyone for your feedback on Western Sky. I saw their commercial and almost fell for it until I did some digging and luckily found this site. Wow! with the pay back interest rate of 100+…never mind. Maybe I don’t need a loan that badly, after all…lol

    Again, thank you for the feedback.

  • Ed says:

    December 12th, 2012 at 8:02 pm

    You need to be desperate to borrow from these crooks. Also, I’m sure if you miss some payments or worse default on the loan they will destroy whatever credit you may have.

  • Dr. Fang says:

    December 11th, 2012 at 6:41 pm

    I think we are missing two major points. Obviously there is a financial need that is not being satisfied by normal financial institutions…some people are in a desperate situation. Plus, there maybe an opportunity here. If the sovereignty of the Sioux Nation protects the lender, then the sovereignty of the United States of America should protect the borrower. I think that any disagreement would have to be handled in International court in the Hague in Europe. Any company in the USA acting on behalf of the lender would be subject to federal and state laws and could not force foreign agreements without federal approval. It’s a doulble edged sword.

    Also, please keep in mind that NOT all Native American Nations have sovereignty. I lived 25 years in Asia, including Laos and Cambodia, and it was my visit to some reservations that shocked me. Many of our Native American brothers and sisters live below the poverty level and in conditions that most Americans would swear could not exist within our national borders.

    Someone needs to reread the treaty and make sure the lending company is within its boundry, both legally and physically.


    Anthony says:
    January 8th, 2013 at 10:52 am

    Totally agree.

  • Rating
    Waheed says:

    December 10th, 2012 at 8:39 pm

    Why fedral reserve gives loan to the banks from 0 -2% and then regular
    folks are made to pay from 4 – 250%. This is tax payers money. Where is the fairness?


    Voice of Reason says:
    April 22nd, 2013 at 5:40 pm

    The Federal Reserve is not a government entity. It is a business just like any other, don’t let the word “Federal” fool you.

  • dont ask says:

    December 7th, 2012 at 1:28 pm

    I actually am an agent with a collection/mediation group currently collecting on western sky accounts I WOULDN’T REFER ANYONE TO WESTERN SKY.I have clients that borrowed $2000 and because they missed a payment they are being required to pay 4 times that amount.Its very hard to negotiate settlements with this company because they run independently on there own Indian reserve where there considered sovereign and can pretty do whatever they please. My professional advise to anyone considering taking a loan with them DON’T!


    question says:
    January 7th, 2013 at 9:16 pm

    what if u just close your account? I know someone who got a loan from them and she is now filing Bankruptcy… what will they do now?

    moggie says:
    December 12th, 2012 at 3:36 pm

    Not so fast..are you maybe blogging for them?? See this & this…



    I am not saying do not pay them back by all means do, but, they are committing Fraud using our laws..and not wanting our US citizens to use their own laws to protect themselfs…now whats wrong with this picture???

  • Rating
    $ hungry 2 says:

    December 4th, 2012 at 2:49 pm

    cant i just close my acct and not pay them back…lol

  • Rating
    Gradnurse279 says:

    December 2nd, 2012 at 9:16 am

    I have seen that at least one person has borrowed money and paid them back within two months. How do you pay themback fully? Is there a way to opt out of the electronic payment option. I need an emergency loan until tax time and then can pay them back fully. I don’t want to proceed with the application until I figure out how to pay them back all at once in Febuary. Thanks!


    Anthony says:
    January 8th, 2013 at 11:04 am

    First of all, I would NEVER take a loan from these people. If you are disabled and do, you NEED NEED NEED to read EVERY SINGLE WORD, on EVERY SINGLE PAGE of the contract you sign. If it doesn’t answer that question, have them add the answer, in writing, to your contract.

    Vince says:
    December 3rd, 2012 at 4:02 pm

    YOU pay the monthly payments and then when you are ready to pay the balance , you call them and get a payoff figure and pay them

  • Rating
    Chas says:

    December 2nd, 2012 at 8:12 am

    Read the terms and conditions/ disclaimer and them you will understand people this company is a fake. Be responsible and read that’s why they post it on the site is for you to read.

  • Jeff says:

    November 30th, 2012 at 8:19 am

    I have never has a need for a company such as this, however I wanted to inform people of just how much there “expensive” money actually is.

    Loan – $850, 12 payemts @ 150.72 = $1808.64 – $958.64 in interest
    Loan – $1500, 24 payments @ 198.19 = $4756.56 – $3256.56 in interest
    Loan – $2600, 47 payments @ 294.46 = $13,839.62 – $11,239.62 interest
    Loan – $5075, 84 payments @ 486.58 = $40,872.72 – $35,797.72 interest
    Loan – $10,000 84 payments @ 743.49 = $62,453.16 – $52,453.16 interest

    Stay away from this company, you would better of looking for any other type of loan.


    Marcie says:
    January 9th, 2013 at 12:40 am

    Thank you Jeff. Sometimes things sound so good, but when you see it in terms of numbers/$ broken down, it changes everything!

    Informed says:
    December 3rd, 2012 at 10:37 pm

    Thanks Jeff. Regardless if those who heckled your part, it really broke things down and was very helpful.

    Vince says:
    December 3rd, 2012 at 6:05 pm

    Jeff , no need to inform it is disclosed on the website and again when you sign and only the truly deranged would take 7 years to pay back 10K at those rates

    Me says:
    December 3rd, 2012 at 4:30 pm

    Jeff did you graduate 6th grade?

  • Rating
    Reddy Bonds says:

    November 29th, 2012 at 2:59 pm

    DENVER – Colorado Attorney General John Suthers announced today that his office has filed a lawsuit against Western Sky Financial, a South Dakota-based online lender, and its principal, Martin A. Webb, for making unlicensed, high-interest loans to Colorado consumers.

    According to the lawsuit, filed in Denver District Court, the company made more than 200 loans to Colorado consumers since at least March 2010, during which time it was not licensed with the state. The loans to ranged in value from $400 to $2,600 and had terms ranging from seven months to 36 months. The loans’ annual percentage rates ranged from 140 percent to 300 percent. Under Colorado’s Uniform Consumer Credit Code, lenders making subprime loans must be licensed with the Office of the Attorney General. Because Western Sky Financial made loans with interest rates higher than 12 percent, it must be licensed.

  • Rating
    Smart enough to walk away says:

    November 28th, 2012 at 9:06 pm

    Wow I just don’t understand the nerve of all these cry babies. They post their damn rates in broad plain view, no small print flashing on the screen ( well in their commercial it is) there are no fast talking guy sewing the rates 100 miles an hour like you hear on the radio. The are in plain site for you and I the potential borrower to see! We are all adults and have the option of either doing or not doing business with them. How can the be crooks when the tell you up front what your rate and payments are, if you sign on the dotted line, then you’ve made your decision. I’m not the smartest guy in the world but I thought predictors lending was when the lender, tagged on extra fees on the backend without the lendee knowing or understanding. Am I wrong?


    skeptic says:
    January 22nd, 2013 at 3:54 pm

    I suspect a lot of people file for the loans over the phone and never see the rates table.

    Vince says:
    December 3rd, 2012 at 6:07 pm

    EXACTLY!!!!!!! These folks want the $$ , know the rates and then bitch

  • Rating
    MontanaNative says:

    November 28th, 2012 at 5:09 pm

    My heart is sad today, because I came across these reviews of a company who claims to be a Native American Company. As a Native American woman in Montana, this is just complete crap! It saddens my heart to no end, that this company is claiming the use Native Commercializing to get people roped in to buying into their company. Honestly our ancestors would be rolling over in their graves! I am going to do more research on this company and god so help me have this company shut down by the Native American Population who stand by these false advertising. Its enough that our own poeple has had past suffering but to represent the same values is ludacrist!

    Good luck to those of you that have already invested into this company but remember to report it to BBB, close your acct and just pay the principle is all if anything and file claims with your Credit reports. IN the meantime, pray for us that are actually going to try and shut this business down!!!

    Salish for life!


    Reality guy says:
    December 12th, 2012 at 3:22 pm

    I agree with everything you said but there are other alternatives out there. Western sky will get a taste of their own medicine someday. What goes around comes around and i speak from experience unfortunately.

    Vince says:
    December 3rd, 2012 at 6:20 pm

    1) what would you tell the BBB , they told me the rates , I applied for the money and I can’t pay

  • Tony says:

    November 26th, 2012 at 11:44 pm

    First of all, I am not looking for a loan. I saw the ad for this company on tv and thought it was a misprint or a joke. I searched the company and looked at their rates. I can’t imagine someone being so hard up for money that they would pay 100, 200 or even 300% interest. What kind of crazy company is this?


    MontanaNative says:
    November 28th, 2012 at 5:16 pm

    Certainly not a godly one! Be Careful and educate others of Preditory Companies such as these!

  • Adriana says:

    November 20th, 2012 at 11:08 pm

    is there any way besides a bank to get a loan? i need a car asap


    Dash says:
    December 13th, 2012 at 1:47 pm

    Try the Mob… I don’t think that their rate (vig) is as high as Western Sky, and there is no application to fill out.

    MontanaNative says:
    November 28th, 2012 at 5:13 pm

    My advice..use public transportation until you can save enough money and buy a vehicle in Cash. I dauble a bit in finacial literacy and if you just put $100 per week away in a savings acct for a year, you will have saved $5200.00. You wont have to deal with payments or interest. Good luck!

  • Rating
    Dallas Barr says:

    November 20th, 2012 at 4:10 pm

    First of all they are very rude when you call in. I called in strictly for information and they left me on hold for an hour then hung up. Then I called back and the guy asked me some questions and said, “Didn’t you call before?” I said yea. He said I would think someone would’ve told you before that you could have done your app online instead of calling. This way takes more time. And I said someone hung up on me and how would i know that if I never called? what is there a limit on how mamy times I can call? And he hung up on me. They are rude! And all they want is money!! Don’t use them! I didnt choose them strictly because of the service!


    Logic guy says:
    November 28th, 2012 at 6:13 pm

    An hour….they made you wait an hour…then hung up on you but all they want is money …which of course they don’t get if they keep you on hold an hour and hang up on prosepective customers…..

    I rate this COMICAL

  • Rating
    Still Confused says:

    November 17th, 2012 at 10:04 am

    I keep going back and forth with all these reviews in my head. I need a loan, I understand the fees and rates. I still don’t know if it is logial to pay $10 a day for a loan for 2 months? I will pay $600 to borrow $2600 for 2 months…


    ADT says:
    December 11th, 2012 at 9:29 pm

    Still confused: I will loan u the money for half that rate! 30 bucks a day for 2600 would be sweet!

    MontanaNative says:
    November 28th, 2012 at 5:15 pm

    Dont Do it! Understand what you really need the money for and is it worth it. Write out the Pros and Cons of taking in these preditory loans. You would be better off trying to make an additional $10 per week for 2 months by offering a service. I’m sure your good at something. It’s good ol fashion common sense and savings 101

    Good Luck!

  • Rating
    Logic guy says:

    November 16th, 2012 at 8:26 am

    Seems like they must have a place in the marketplace if folks use them


    Reality guy says:
    December 12th, 2012 at 3:12 pm

    I have to agree with you on that. I could use a loan myself but not that bad.

  • Ashley says:

    November 15th, 2012 at 4:35 pm

    Vince has too much time on his hands and quite frankly a smart ass I have noticed. So therefore we can all at least agree about that. =)


    Vince says:
    November 16th, 2012 at 8:20 am

    You mean truthteller

  • Rating
    Fannie Young says:

    November 15th, 2012 at 12:21 pm

    Western Sky is like a rental company you pay up to three times what the loan is worth Don’t Do It if you can help it people!

  • Rating
    Reason says:

    November 15th, 2012 at 10:46 am

    So don’t borrow at these rates……….


    mrconservative says:
    January 23rd, 2013 at 12:17 pm

    i saw the commercials on tv so i did some homework on this company and saw the rates were unbelievable so i just went another route. not trying to sound like a smart ass or nothing but there are two side to this. on 1 side you have people that take the time to do homework on a company and its rates and you have people that only hear the words GET CASH IN YOUR BANK ACCOUNT AS SOON AS TOMORROW. when people get desperate they get loans from places like this. think smart and dont fall into a trap because you get desperate. come up with a plan and a budget so the next time this wont happen and i speak from experience

    Reality guy says:
    December 12th, 2012 at 3:16 pm

    Well said! Nobody is holding a gun to their head are they?

  • Rating
    Almost Fooled says:

    November 14th, 2012 at 5:30 pm

    Thank you guys for the posts, I went as far as sending all the information and then after reading this have decided not to pursue processing the loan. I’d be better off just riding this storm out.


    adrian says:
    November 15th, 2012 at 12:48 pm

    smart move Almost Fooled!

  • Rating
    Vince says:

    November 14th, 2012 at 1:35 pm

    SoI have read the responses…..so a company DISCLOSES their excessive loan rates….people call them to apply ….people sign off on the excessive loan rates…….then they blame the LENDER……….geez

  • Rating
    Vince says:

    November 14th, 2012 at 1:22 pm

    I used them twice. I borrowed 2600 both times , paid it back within 60 days and did not have any problems. This is NOT the service for you if you are looking to take years to pay


    Jackson says:
    December 3rd, 2012 at 12:15 pm

    I don’t understand how someone needs money now and has none but in 60 days they will have the whole amount plus interest? I mean I guess if you needed a car fixed tomorrow but don’t have the money? But I just feel like most people borrow and won’t have the money in 60 or 90 days, for whatever reason… probably the same reason why your broke and need to resort to these measures to begin with. No offense, I just think people need to be honest with themselves. I no longer have any debt, I realized that I was spending more than I was taking in on non essential stuff. And I wasn’t able to really feel the full impact of what my lifestyle could be like if some much oft income wasn’t going to servicing debt. I also made more money, I focused more on my business, now I have zero debt… I’m just saying most people won’t use these loans optimally, i like to think i am very intelligent person, I’m a small business owner and a partner in a startup internet venture, but i abused credit, i misused credit cards… i knew the math but chose to ignore it, that resulted in 10 years of financial strain if that’s even possible, and they are set up to screw you and the damage on some of the higher loans will affect you for far longer than whatever issue seems to be affecting you now.

    Mike says:
    November 19th, 2012 at 4:29 pm

    I’m planning on using them in the same way you have (was going to apply today). Myself and many others have used payday loans from local “loan stores” and a good majority of the customers, myself included, pay it and need to borrow again the next day and goes on for a month or 2. When doing the math vs. western sky, western is actually less expensive…. $1780 in your pocket at “abc local loan” used for 4 2 week pay periods = $880 in fees vs. $2525 in your pocket from western for $663.92… do the math. Yes… untraditional, expensive, ect, but…. in comparison… not that bad. I need to know from you if you don’t mind what the process was like paying them off. What form of payment do you need to use? Do they make you jump through a bunch of hoops? Ect…. you would think they would invite it with open arms since they most likely have a huge default rate and is expensive to collect. Any tips or info you can share, Vince? Thanks! Mike

    Vince says:
    November 16th, 2012 at 8:25 am

    If I loan you money and you don’t pay as agreed I certainly would be within my rights to call you …period…

    Yes I am credit challenged from a 3 yr old BK due to medical bills .
    My POINT is …if the rate is disclosed , if you know your payment going in , if you sign the documents, blaming the lender is comical..Want to blame someone look in the mirror……THAT is my point

    adrian says:
    November 15th, 2012 at 12:47 pm

    So you must be credit challenged also. your earlier post about paying your bills reflects on you also! There are those who have no other choice but that does not mean that they need to be harrassed also! do you understand that?

    Vince says:
    November 15th, 2012 at 10:46 am

    Because that is the correct use of it …short term……anyone who thinks paying 116% percent interest over 4 years makes sense needs to rethink it..

    adrian says:
    November 14th, 2012 at 4:52 pm

    then why borrow the money if you can pay it back within 60 days?

  • Rating
    Dave Ramsey fan says:

    November 13th, 2012 at 9:23 pm

    As with any pay day lender or any other high interest “credit service organization”, the only function of Western Sky is to take advantage of people in desperate circumstances who made improper and misinformed choices regarding their financial concerns. Constantly borrowing money means a life of being enslaved by the lender, no matter who the lender is, be it a legalized loan shark such as Western Sky or any other traditional lender such as banks and credit card companies.

    The key to financial freedom is to break the borrowing habit and a wholesale behavior change with regards to money and your financial life. If you’re considering a loan of any kind you should check out daveramsey.com to learn how to break the dependency on borrowed money. Because if nobody uses outfits like Western Sky, these barely legal loan sharks will cease to exist.


    Bob says:
    November 21st, 2012 at 1:55 am

    I wish it was as easy to do as your post seams to reflect. You are right but situations sometimes don’t dictate it that easy.

  • dwil says:

    November 13th, 2012 at 10:07 am

    i think bills been busted

  • Rating
    pandaKrusher says:

    November 12th, 2012 at 9:57 pm

    The reviews for Western Sky come from three types of people:

    A) People who don’t know loans must be paid back with interest and confused Western Sky for a charity. They are angry they were given a loan;
    B) People who ARE aware of Western Sky’s high interest rates, but didn’t care when they signed the paperwork. They are also angry they were given a loan;
    or C) People whose credit is so bad, Western Sky denied them. They are angry they were not given a loan.

    Which one are you?


    adrian says:
    November 14th, 2012 at 5:56 pm

    the smart person that actually read the terms and stopped! you must have a lot of time on your hands!

  • Rating
    Coco says:

    November 10th, 2012 at 5:44 pm

    So, I have bad credit (550) and make $40,000 a year so I thought I would try and get a loan and pay it off with our tax return. I was only approved for $850. I told them no thanks, they called me daily for a week. The loan was set to “expire” so the guy called me 3 times in one day before noon so my loan could be processed….No Thanks!

    So, I thought maybe my husband who has a slightly higher credit score and makes $60,000 a year would qualify for more. Nope…DENIED!!

    I am actually relieved we were denied. I wanted extra shopping money for Christmas that I did not need. And I don’t have a crazy high loan to pay off. And tax-time will be a lot more enjoyabe since I won’t be handing my whole return back to them:)

    Good Luck everyone! May we get a well deserved bailout someday!!


    Debbie says:
    January 11th, 2013 at 11:58 am

    I’m glad I found this site. I guess my momma was right, if its too good to believe then don’t believe it.

  • Rating
    james says:

    November 9th, 2012 at 11:34 am

    it is very disgusting how western sky takes people as fools when you borrow a certain amount of money and its like you are paying 1000 percent interest. i cant imagine how they conduct business and get away with it i am shocked they are not arrested for taking advantage of honest people western sky is a disgrace to all lenders companys


    Vince says:
    November 14th, 2012 at 1:26 pm

    james ….that is all DISCLOSED….. why should they be arrested , because people cannot read

  • Rating
    joe says:

    November 7th, 2012 at 6:58 pm

    This seems to be a very dishonest loan business and they take advantage of down and under individuals.


    me says:
    December 23rd, 2012 at 4:26 pm


  • Rating
    Tom says:

    November 7th, 2012 at 5:41 pm

    seems like they are doing to you what you did to them!


    Joetta says:
    November 11th, 2012 at 2:23 pm


    Barry says:
    November 11th, 2012 at 12:02 pm

    Who did what to them? Two wrongs make a right? What a brilliant way to improve our society!

  • Eikram says:

    November 1st, 2012 at 6:46 pm

    Not good bad bad do not do ittttt

  • jason says:

    October 26th, 2012 at 11:02 pm

    Ok, I need a loan I have bad credit how offers better rates?

  • Rating
    JB says:

    October 26th, 2012 at 10:14 am

    I just completed an application and it did take a bit longer than 5 min. I think it’s just another Pay Day Loan company, I heard the ad on the radio and was curious could use some extra money, but i don’t really need it. Good thing for me I don’t because I have found out that their rates are worse than a payday loan I had about 5 months ago. Westeren Sky is nothing more than another PAY DAY LOAN CO. so my advise to anyone out there seeking a short term loan, go to another company, get a loan and the key is to pay it off in a couple of weeks to eliminate the interest, then they will offer you another loan. More money than the first, but don’t ever take more than you can pay off in a few weeks…but stay away from WESTERN SKY.

  • Rating
    adrian says:

    October 24th, 2012 at 4:44 pm

    please do not do business with western sky. they are affiliated with cash call out of anaheim california. i had a loan with these people and paid them off, however, it cost me 10,000 dollars for a 2600 dollar loan. now it is worse, i called them and asked for a rate for borrowing 5000 that is five thousand dollars, they stated that my payment would be 484.00 a month for 84 months. I pulled the calculator out and that came out to 40,000 dollar payback to these loan sharks. please do your homework before signing on the dotted line. if you do get this loan, then unfortunately, you get what is coming to you….constant calls, threats, bothering you at work etc.


    adrian says:
    November 14th, 2012 at 4:48 pm

    there is a difference of harassment and phone calls! I did pay my bill idiot! too expensive! it is one thing to call and say you are behind, what can we do to help…especially when you are paying such high rates and there is another thing to harass! what a maroon, you must work for them!

    Vince says:
    November 14th, 2012 at 1:28 pm

    Everything is DISCLOSED , no one puts a gun to your head and if you do NOT pay your bills they call you…so pay your bills

    Dave Ramsey fan says:
    November 13th, 2012 at 8:53 pm

    Perpetually borrowing money is not a way to achieve the things you want in life. You will incessantly be enslaved to the lender, regardless of the rates. Constant indebtedness is a matter of behavior, not money. If you want to free yourselves from the grip of loan sharks, check out Dave Ramsey for a new direction..

  • Rating
    Sparty says:

    October 23rd, 2012 at 7:37 am

    If you have a dismissed bankruptcy (not discharged), Western Sky will not approve you. This is, of course, after you spend a great deal of time submitting paperwork, speaking with a customer service rep., and having them run a credit check that shows the disposition of the bankruptcy. In our circumstances, the dismissal was from several years ago. Do not waste your time regardless of everything else being approved and the representative’s assurances.


    Vince says:
    November 14th, 2012 at 1:30 pm

    took me about 10 minutes to get approved and I used the money SHORT TERM which is what it is designed for , 30-90 days of use

    JABusch says:
    November 8th, 2012 at 10:02 am

    Are you brain dead?

  • Rating
    Naomi Robinson says:

    October 22nd, 2012 at 4:18 pm

    I applied for a loan with Western Sky. They preapproved me for an unknown amount and wanted me to fax numerous personal paperwork. When I inquired via e-mail what my loan was…the response blew me away. It stated I was approved for $1500, but only $1000 would be deposited into my account. The deal was ..I pay back $1500 plus 247% interest but only get $1000 because the first $500 is considered a prepaid finance charge. There is also a $75 fee for the initial loan as well. So…my payments would be $198.19 for 24 months. Thats $4756.56 and I only get $925!!!!!!!!!!! WOW!!!!!!!!!!!! A payday loan looks GREAT right now. Please..do not get sucked in by these people!!!!!

  • Rating
    Kim says:

    October 21st, 2012 at 6:45 pm

    They made the loan sound like it was so easy to pay it off but at $300 dollars a month,it will take me til 2016 to pay them off, now I am stuck looking for another loan to pay them off. They pray on people with bad credit, I will never recommend them to anyone.


    Vince says:
    November 14th, 2012 at 1:32 pm

    Lets’s see…..The rates are DISCLOSED , you signed up knowing the rates.. you took the money and now rate them one star because you have to pay back a loan you agreed on……..

    alittlewiser says:
    November 12th, 2012 at 11:08 am

    .there is no sense in belittling people who need help. obvioulsy the people who took the loans needs were substantial enough to take the money. just because they took the loan does not mean they have to be happy with it. are you happy with every single decision that you hae made in your life? probably not. humans are always going to ake mistakes and there is no reason to degrade these people. if you are not here to offer experience or important information about the company then you shouldn’t be on the site at all. if this is all you have to do with your time then obviously you have no life. there are many more important things you could be doing than eyeing the site to see who you can make feel bad today…

    wiser says:
    November 8th, 2012 at 7:44 pm

    you are the problem, you knew what it would cost you , nut you were dumb enough to sign, Dont Blame then because you screwed your self

    Lesley says:
    October 24th, 2012 at 8:09 pm

    I was in need of money so I called them wish I didnt

  • katydid says:

    October 21st, 2012 at 2:03 pm

    Why are they allowed to run ads on TV to make people believe that they can actually help? In other word if I tried and got a loan I’d be worse off than I am now. Live on S.S. and really need money to get my bills caught up before they are shut off.

  • Rating
    Jonny says:

    October 19th, 2012 at 7:58 pm

    Do not get a loan from these Indian scammers they charge you a large fee then sell your loan off to another company
    My experience 850 loan they took 350 as a charge so I got 500 wired to me and then sold my account to cash call in the end I paid 969 for a 500 dollar loan what scam!!! If you need a loan check out any other payday loan this is the worst choice you can make.


    Even Wiser says:
    November 12th, 2012 at 12:29 am

    Hey Wiser, quit being a freaking asshole. Do you work for Western Sky or something? People end up in circumstances that leave them a little desperate. Don’t chastise them for being victimized. Scumbag.
    This outfit is obviously shady and people deserve to know the truth. I’m glad I saw all of these stories so I didn’t fall victim too. Sure people should do research before taking a loan but you don’t need to be a corporate sucker.

    wiser says:
    November 8th, 2012 at 7:47 pm

    why do you call it a scam, you knew what it was going to cost you before you got the money, seems you want your cake and want to eat it to

  • Rating
    knowyourrights says:

    October 18th, 2012 at 11:39 am

    The Fort Laramie Treaty, 15 Stat. 635, between the United States and the tribes of the Sioux Nation, “created the ‘Great Reservation’ for the Sioux and set off lands ‘for the absolute and undisturbed use and occupation of the Indians.’ “ Calhoon v. Sell, 71 F.Supp.2d 990, 999 (D.S.D.199 (guoting 15 Stat. 635) .FN8 Under the treaty, States may not “interfere with reservation self-government” or tax on-reservation activities. Rice, 463 U . S. at 718. This gives tribes the power to regulate “the activities of nonmembers who enter consensual relationships with the tribe or its members, through commercial dealing, contracts, leases, or other arrangements,” but only when the “non-Indians [are] on their reservations.” Id. at 565.FN9

    These scam artists can say all they want, you aren’t on their land with a physical presence. Unlike their casino ventures where you are actually going onto land they own and operate you are still bound by your state’s laws. They cannot extredite you to their reservation to go to court.

    States are already winning injunctions against them and remanding these people to state court versus federal court or tribal court. Replace reservation with Costa Rica and more people would be saying this is a scam rather than a good alternative for people that have poor credit and need a loan. Ignore the fact these are Native Americans on tribal land – their laws don’t govern us in our homes and places of business. If you choose to do business with people outside your state or nation – such as lending someone money – don’t be surprised if that state’s or nation’s legal system scoffs at the notion your tyranical fees and penalities have any latitude over their governing laws.

    Consumer installment loans cap out at 99% in Illinois for example. Western Sky would charge someone almost double that, transfer it to Cash Call for servicing. Cash Call, while operating under license for mortgages, is not in the right here. The loan is real, but it isn’t legal. Real money is transmitted to bank accounts of US citizens. What they don’t realize is that these loans aren’t legal – the television and online advertisments don’t say “check with your state’s regulators for interest rate levels” or something to that effect. People take the loans because they are desperate, plain and simple.

    If I borrowed $1,000, I could pay it back in a year. But, if you want to add a $500 closing fee, a $79 wire fee and charge me 180% interest you can pretty much kiss it. I hope these people fold and all the debts are forgiven.


    Employee says:
    November 4th, 2012 at 10:47 pm

    Honestly as a payday company they suck. But they pay me good money to just sucker y’all in.. Gotta love America .. Even with these awful reviews people still call. It’s just nuts. I probably dish out 60 loans monthly and I’m just one agent.

    Dave says:
    October 20th, 2012 at 7:40 am

    They are currently under indictment in Colorado for originating unlicensed loans. Search ‘Western Sky Financial’ at BBB.org and see their shiny non-accredited ‘F’ rating. Then see the 120+ complaints. The government action is also described in detail.

    Sure, they could be protected by sovereign status – this doesn’t give them indemnification to originate loans without licensure which, it appears, is the case in most states. Law will revert back to where the customer lives, not where the underwriting takes place.

    Kind of funny fact: This company is ‘supposedly’ out of South Dakota. Guess who doesn’t qualify for loans? South Dakota. (and California).

  • Rating
    vee says:

    October 17th, 2012 at 10:03 am

    I just wanted to make others aware that Western Sky does do a credit check. If your credit is bad you will be denied as in my case. This should be told before you apply.


    Dave says:
    October 20th, 2012 at 7:42 am

    My worst-APR credit card (with low scores) is 23.99%, and that can be killer. Imagine what it would be like to pay 300% interest…

    jj says:
    October 18th, 2012 at 11:08 am

    Sounds like a sting OP

  • Rating
    Bama4metoo says:

    October 16th, 2012 at 4:50 pm

    This is so ridiculous and cannot see how ANYONE would ever try and borrow money from them !!! It is worst than a scam , it is just plain stupid …..

  • Rating
    pabigguns says:

    October 15th, 2012 at 12:54 pm

    Big Scam!!! Advertise on Tv: “Get a loan no matter your credit rating”. They still check your credit rating in order for you to obtian a loan. If you don’t have a perfect rating. There is no way you’ll get a loan from these scammers.Additionally, their interest rates are astronomical. I was denied a loan from these scammers and got a loan from my local bank instead. FORGET THESE SCAMMERS. VERY BAD CHOICE!!!!!!

  • Dark beauty says:

    October 14th, 2012 at 10:21 pm

    I need the money that bad I’m poor and homeless

  • Rating
    Bill says:

    October 13th, 2012 at 9:11 pm

    I have a bad credit history (long story)..I cannot get a loan through a normal bank. So I turned to western sky and they helped me with a $10,000.00 loan at 89%. which they did wire into my account overnight. the payment is $743 a month and its for 7 years. the agent told me there is no pre payment penalty. I have my own business so I can afford it. i paid it off in 3 months..and i’m getting another loan through them again. If you intend on getting a high interest loan and keeping it for 7 years…you’re an idiot and no wonder you’re broke. their website http://www.westernsky.com has all the rates and payment amounts on there. this article/comments are false. I personally chose them over other bad credit lenders because they done keep any collateral..so something should go wrong.. im not losing my car or home.


    alittlewiser says:
    November 12th, 2012 at 11:13 am

    i concur…this guy is a liar. if you can pay $10000 in 3 months then you didn’t need the loan in the first place. why not get a small business loan instead?

    SHARON C says:
    October 29th, 2012 at 12:38 pm

    If you have your own business,and you could afford to pay the loan off in 3 months,then why did you even need the loan in the first place? And why couldn’t you get a loan from the bank? Clearly you are in on this scam with these guys. Shame on you!!

    minneapolis22 says:
    October 16th, 2012 at 12:47 am

    You obviously work for them.

  • Wenchy25 says:

    October 12th, 2012 at 7:57 pm

    This place is a big scam. You actually have to have active credit to get approved. Don’t do it !!!! they just want to rip people off !

  • NOTHANKYOU says:

    October 11th, 2012 at 11:19 am

    After reading all of these reviews I’ve changed my mind. Who needs money that bad. It’s like digging a deeper hole you can’t get out of.

  • tonto says:

    October 9th, 2012 at 7:59 pm

    all these people whining about how ridiculous the rates are, make me laugh. as if they set up a loan company for you! do you want them to wash your dishes too? if you don’t like the rates, don’t take out the loan! there are other loan companies.

    anyway the rates aren’t as outrageous as they seem. if you want money NOW, you don’t have anything for collateral, nothing but a bank account, what do you expect? add the cost of them pursuing deadbeat borrowers for such exorbitantly high risk loans, and doing business across national boundaries, and the rates aren’t unreasonable. the loan is there for those few who need it. it has its uses. if it isn’t for you, there are other companies with less expensive options.

    finally, look at it this way. if you were to borrow money from some guy. he will do it but he wants the money back plus 1/2 for a fee, and interest on top of that. 100% and more a YEAR isn’t that bad. that sounds bad for a “financial institution”, but they don’t do high risk loans like that, and if you were to go to some guy in your neighborhood asking for money NOW, that is about what you could expect.


    Biff Barklestein says:
    October 30th, 2012 at 2:45 pm

    This is a form of loansharking. If you do the math on these loans, you’d have to be nutz to even borrow from these bastards. The math on the $10,000 for the duration of the loan or even paying it off early is s grand total of $65,000+ for less than the what you’re getting. No wonder why this company can afford to advertise nationaly on tv. It’s a joke just like “tonto’s” speal. YOU CAN’T BE STUPID IN YOU BANKING DECISIONS, SO DON’T DO IT!!

    BJ says:
    October 13th, 2012 at 1:24 am

    Try doing some research before you spread such lies.

  • Rating
    sandra horton says:

    October 9th, 2012 at 8:55 am

    problem one it takes longer than 5 minutes to do the application online. problem two they take forever to get back with you. in fact i had to keep calling them about the status of my loan

  • Rating
    Big Man says:

    October 4th, 2012 at 5:53 pm

    This place should be outlawed and put out of business, these are just legalized scam artists.


    minneapolis22 says:
    October 16th, 2012 at 12:50 am

    Agreed, but it is in a sovereign nation reservation. They can do what they want, just like their casinos. There is no oversight.

  • Rating
    Amanda says:

    October 2nd, 2012 at 11:48 am

    After reading reviews and seeing the interest rate….. All I can say is I’m sold on a FIRM, no thank you!!!

  • wondering says:

    September 30th, 2012 at 1:22 pm

    I have a question, has anyone actually gotten money from them????

    I ask because all of the reviews are complaining about the interest rate, but the people I talked with said that the reason the rate is so high is because they are not designed to take two + years to pay off, we are considering getting a loan from them, with the expectation of making the payments for 5 months and then paying it off with our tax return.

    What I want to know is if ANYONE ACTUALLY got money from the company or if everyone was turned off by the interest rate


    MTL says:
    November 19th, 2012 at 10:10 pm

    I also recently took out a 2600.00 loan with them. I plan to pay my loan off within the next 3 months. It is expensive and I have a good job but I needed a chunk of money immediately and no bank was willing to give me the money. I am happy western sky is there for people who need truly short term loans.

    JTN says:
    October 11th, 2012 at 2:38 pm

    Yes I took the Loan. Filled out the app and the money was in my account in three hours. I also plan on paying back the loan in 3 months so the interest I pay wont end up being any different than a long term loan from a bank. Youd be crazy to actually follow the terms of the loan and pay it back over 4 years.

  • CW says:

    September 29th, 2012 at 7:16 am

    I recently completed an application with WesternSky. I was approved for a $1000 loan and was told the funds would be deposited into my account the same day by 4:00p/5:00p. my time; I live in the state of Georgia.
    I waited all day and did not receive and deposit from them. I tried calling back the young man who assisted me with the application process but was unable to reach him, his voicemail kept coming on, so I left a few messages wanting a return call. I never received a returned call from him. I thought that was odd because prior to me giving him my information, I was able to reach him.
    I was aware of the high rates but I needed a quick loan because I was short on my rent payment and other expenses I have; I have two kids to take care of. I called my bank to see if there was a pending deposit and they said no. I called the customer service number with WesterSky to speak with someone else to see what the delay was and I spoke with a guy who only ask for my first and last name, and he said the deposit was made.
    Well, today is Saturday and I still do not receive the loan amount promised to me in my account; has anyone else experienced this or currently going through the same situation?


    carolt1998 says:
    October 17th, 2012 at 8:24 am

    Did you ever get your money? I used to work for a payday loan type business so I know the high interest rates are crazy. But I am in need of the money quickly and was interested in if people actually got the amount they needed and if they figured up how much they paid versus what they were paying out a month to begin with.

    wondering says:
    September 30th, 2012 at 1:29 pm

    When I called just with some questions on Friday, they told me that I had called to late in the day for next day deposit. They had explained that they do not process funds over the weekend and that if we did take out a loan then we would receive that money on Monday.

    I wouldnt get to nervous yet, it should be there by monday afternoon (before the end of the banking business day, 3pm)

  • Renee says:

    September 26th, 2012 at 9:10 pm

    I was thinking about taking a loan out with them but after reading the comments I changed my mind. The loan fee is just the FEE for taking the loan. So if you wanted to take out 1000.00 they charge you a 500.00 fee which is seperate from the interest. Because based on the chart provided, (im in Michigan) 24 monthy payments with an interest rate of 234.25% at 198.19 equals out to be 4756.56 not 1500.00 so thats probablly how they get people confused because I was under the impression that if I took out a loan for 1000.00 I would only have to pay back 1500.00 but I dont think thats true. I could be wrong but ill be wrong and Western Sky Debt Free and find another mean to come up with the money I need.


    lynn says:
    October 17th, 2012 at 10:14 am

    You math is correct. You would be paying well over the original amount you borrowed.

  • Rating
    Cheryl Ritter says:

    September 26th, 2012 at 7:13 pm

    According to advertisements they will approve anyone regardless of credit rating.
    Well I am not just anyone. I am nobody. WE WERE DENIED!!!!!


    jane brown says:
    October 23rd, 2012 at 4:24 pm

    what’s up with that they say bad credit no problem which was a BIG LIE you must have good credit

  • Rating
    attaloss says:

    September 26th, 2012 at 6:53 am

    …ok here’s a thought. If american laws don’t apply to them to protect you, then they won’t apply to protect them either. Borrow as much as you can, then with some of that money file bankruptcy. If american laws don’t apply here, then they can’t touch you either. What are your thoughts…


    Donald says:
    October 7th, 2012 at 12:55 pm

    They can only take you to Indian court that is stated in the contract as having jurisdiction on the reservation. The contracts are actually illegal and unenforceable in a state court of law.

    ccc says:
    September 26th, 2012 at 9:46 pm

    You’re incorrect. Tribes are sovereign nations, but they still have the ability to take non-Indians to court.

  • Elizabeth says:

    September 24th, 2012 at 10:07 pm

    If I were to get a loan through WesternSky for the amount of 800 and paid it back within three months what would my payback amount be? Also they want to put 2600 in my checking account but, I told them I only need the 800 they said I can return the rest of the money right away and won’t be charged any fees. Is this true anyone know? Oh, they said my monthly charge for 800 would be 297 and some odd cents for 3 months then the loan will be paid off. Please help I don’t know what to do. The 800 is needed for an unexpected emergency.


    BJ says:
    October 13th, 2012 at 1:33 am

    It’s not recommended to bother with such companies as WesternSky. However, if you must but you need less than a ‘loan level’ they offer then use the excess funds to pay down the loan.

  • Rating
    Jr smith says:

    September 22nd, 2012 at 9:10 am

    I call them western thieves they offered me a loan for 2500 and will be paying back 13000 with an interest rate of 139% this company should burn itself down with shame they are disgusting and since they are independent nation, customers are not covered under state laws ….dont borrow from western thieves cause you will never get out of it till they put you in the coffin ……


    Asiansensation says:
    May 12th, 2013 at 2:34 pm

    Funny how greed leads to this… Wanting the biggest house newest electronics brand new cars and end up calling western Sky and cries about it… The American dream

    capitolist Ray says:
    October 17th, 2012 at 3:21 pm

    How about some of the whiners over the rates explain why your credit is so bad you can’t get the help locally. Ever figure out how much the money costs for a car or home, and they aren’t tHat far out of line. If other lenders refuse you there is a valid reason. BTW, I do not now, nor ever have I had, any affiliation with this or any other high risk lender. You came to them, they are in a legal business for a reason, just as any lender is: Profit from the risk of lending to “emergencies”, just like your local businesses are.

  • Rating
    unknown says:

    September 21st, 2012 at 4:38 pm

    my husband just called them and the guy told him he didn’t make the money to pay them back. he is on ssi disability…losers, don’t call them at all


    Misty says:
    January 9th, 2013 at 11:36 am


    You are WAY friggin’ out of line! What’s with the “another liberal thinking” bullcrap!? You must be a neocon repukican. I’m a “liberal” and I don’t expect crap for nothing! You may wish to apologize, but then, you neocon repukicans think your crap doesn’t stink!

    maxie says:
    November 28th, 2012 at 9:49 pm

    Another liberal thinking they deserve everything for free. Western sky does help people. why do people call them a scam all rates are disclosed and they are certainly entitled to make a profit. How is it their fault for your financial problems? You contacted them, they didn’t contact you. You’ve heard the old saying (you made your bed now you can sleep in it)Do like the rest of us, don’t spend more than you can pay back and take responsibility for your finances.I know that sometimes people get behind on their bills, why not contact a reliable bank and ask for assistance or contact your county human serviced dept.People who have bad credit got that way by not paying THEIR bills.

  • Rating
    peaceout says:

    September 21st, 2012 at 1:01 pm

    You are stupid! of course it is your decision to pay a extremely high rate but you may not be covered by the USA when time of default. get real…

  • Greenbird says:

    September 10th, 2012 at 7:50 pm

    Get a loan from them they are awesome! Nothing like paying back 4 X your original loan amount. Best deal ever!! Muahahahahaha

  • Chyna says:

    September 7th, 2012 at 12:07 pm

    i know someone who received a loan from them and it sounds like she was a damn fool for doing so…. she got 2500.00 and her monthly payments back to them were somewhere around 400.00 a month…i dont see how you can get ahead when you still have other monthly bills rolling in….your better off just trying to plan a budget and do it yourself…SMH!!!

  • Rating
    Fern Suarez says:

    September 6th, 2012 at 8:52 pm

    The commercias says that even with poor credit you can get a loan. What a bunch of liars because I called and wasn’t approved for one. 2 thumbs down for WesternSky. These guys are on some other crap.


    David says:
    October 13th, 2012 at 6:15 pm

    Maybe somebody could sue them for false advertising and put them out of business.

    peaceout says:
    September 21st, 2012 at 1:05 pm

    I agree with john, this may have saved your life, read the fine print these people are a rip off 10xs over. they want your first born plus interest,interest and etc. We all need money but this loan will never ever get paid off. Wake up AMERICA, stay within your boundaries…..

    john james says:
    September 19th, 2012 at 6:26 pm

    Why in the world would you want to put yourself in that position. You should be glad they didnt approve you.They would ruin your life.

  • Rating
    ExTexan says:

    August 29th, 2012 at 2:36 am

    There used to be Usury lawes against this kind of awful interest rates, but you can thank the RepubliCons for getting rid of it.


    Scottish Wolf says:
    October 14th, 2012 at 7:53 pm

    It is not even the Tribe, but a privite person that is a member of that Tribe. So you can be sure under their Tribal law, in their sovereign nation their member will most likely going to win. I’m not really so sure the deal is that unfair if you look at the way the Sioux were treated by the US government for the first few hundred years. I sounds like they are up front and tell the truth,the loan is going to cost a lot it is a matter of how bad you need the money and if you can pay it back fast to save on the cost. I still am not that desperate but it may happen,when you are disabled and close to loseing the house you own for property taxes you are forced to make some hard choices.

    Rick says:
    September 10th, 2012 at 8:26 pm

    The republicans you blame have nothing to do with this. Western Sky operates on an Indian reserve. they operate under their own law and American law does not apply to them. Your a fool for not doing your research on a company before doing business with them. Stop pointing fingers and take responsibility for your own finances. Read your contract before you sign. if you don’t its your own fault not the republicans.

  • Rating
    Anjel says:

    August 27th, 2012 at 11:33 pm

    I do need money, but not that bad. After reading the reviews that’s just ridiculous, and unbelievable that they think this is okay.


    Grog says:
    September 8th, 2012 at 3:18 pm

    As a declared liberal you have forfeited your right to speak. We who stand in authority over your kind now command you to silence. We have spoken.

  • Rating
    jason stern says:

    August 26th, 2012 at 12:27 pm

    my friend borrowed $500 to buy text books for college and ended up paying about $2000 back. Not worth it.

  • Rating
    Maria39 says:

    August 25th, 2012 at 9:01 pm

    This is so so sad. I hope you all who have borrowed money from them can quickly pay them back and no more harm comes out of this!
    God Bless!

  • stanley says:

    August 25th, 2012 at 5:07 pm

    After looking at the interest chart and reading the replies I think I will look other ways to take care of my issues this company will only cause more heartache l cant believe the nerve of some companies that operate in this manner

  • Rating
    Jay says:

    August 24th, 2012 at 3:22 pm

    Do not under any circumstances borrow from this company. If you borrow $1,500, you will only receive $1,000 in your bank account as they will take $500.00 off the top. Also, there is a $15.00 wire transfer fee involved that is charged to your checking account. Worst of all, they will sell your loan to another company called Cash Call who will charge you for the full $1,500! So you end up paying for a $2,000 loan when you actually only receive a $1,000 loan. It’s a sham. Worse than loan sharks. Stay away from this predator at all costs. You are better off broke than getting in even deeper debt.

  • Rating
    ken says:

    August 24th, 2012 at 2:45 pm

    their level of customer service is high. they phoned me immediately, and the representative was courteous and knowledgeable. However, their rates are very, very, and i mean EXTREMELY high. If I had a loan shark after me threatening my life, I might call Sky. Short of that, stay clear folks. Look that the Total of Payments!!!! Good Lord!

  • Rating
    cheeky01 says:

    August 23rd, 2012 at 8:33 pm

    I attempted to borrow $500, and the terms were that i would over the course of a year pay $1500. i declined the loan! Im curious… does anyone really borrow money from Western Sky. It seems unthinkable anyone could/would want to take advantage of customers to such an extent.

  • KR says:

    August 23rd, 2012 at 3:02 pm

    I am in need of 1600 VERY badly and the loan will be paid off in 5 or 6 weeks ….. trying to figure how much I will owe in intrest for this.

  • Rating
    Cindy says:

    August 22nd, 2012 at 8:50 pm

    I was in a crunch for a fast 4K loan…I applied, confirmed my identity, faxed a couple of pay stubs,etc….and my 4K was in my account the next day…..The company is very gracious and treats you with respect. Like they state, it is expensive, but you have to go into it with the goal of paying it off FAST. Obviously if you have a ding in the credit, you will be paying a high fee or no loan at all – right? I paid the 4K off within 6 months, resulting in it cheaper than a “bank loan”.

    They are legal to lend in the U.S and they do report you to the BIG 3 – Whomever wrote that above is 100% incorrect….Check with your Attorney General Office.


    jb says:
    September 25th, 2012 at 6:51 pm

    This is a loan that is meant to be paid off quickly if you are dumb enough to pay the Minimun payment for the terms allowed then yes you are dumb!! Cindy is correct get the money pay it off as quick as you can and guess what you just built your credit score up!

    Stupid says:
    September 18th, 2012 at 1:04 pm

    I call bs too i was going to do a 5,000 dollar loan throu this company and I have a 785 credit score and if I went the whole term I would payback 35,000 this company should be shut down and if anyone takes money from them then they are retarded and can’t read…

    Equity says:
    September 16th, 2012 at 4:25 pm

    I call BS on what your saying. . .they have those ridiculous rates posted on their site. . .smh sickening

  • Rating
    Dirk says:

    August 22nd, 2012 at 4:31 pm

    Western sky is a complete ripoff. I hope nobody is dumb enough to borrow from these scumbags. Freakin interest rate is off the charts! These commercials should be outlawed and the Sioux nation should be ashamed. They are worse than vultures. My advice to anyone that took out a loan from these lenders is to simply walk away. Lot it reflect on your credit report and dispute it. Take their money and run pure and simple.


    monkey says:
    September 18th, 2012 at 4:33 pm

    HA hahaha HA hahaha….. the real scam was paying $24 for Manhattan

    if your are foolish enough to borrow, you deserve every interest point you get

  • Rating
    Robert Pinney says:

    August 20th, 2012 at 9:22 pm

    I would like to add another comment for those struggling in debt.First avoid western sky they will put you in serious debt.try to avoid borrowing money from any institution,remember you are trying to get out of debt not make more. Get a copy of your credit reports from all three reporting agencies,start with your first debt and make up a plan to pay it off,then do the same with every debt one at a time. Take control of your debt don’t let it control you. Look at your life style while you are paying off your debt. Nothing ever gets accomplished without some sacrifice,look at things that you don’t need or can do without then get rid of them, it may be hard as we are creatures of habit, extra money should be put in savings. Getting out of debt takes time,discipline,and personal commitment,I know anyone who reads this can do it, Stay away and avoid using credit cards, ironically they are critical to having a good credit score. Unfortunately people abuse them.put the cards away,if possible pay more than the minimum amount. I would suggest that while paying your debt,be sure to keep putting money in savings even if it’s 5.00 a week and set aside money that you need to live on.I realize there are a lot of people in this country that are in serious debt,but know that there are many tools to help you achieve your goal. It took me 4 years to get nearly debt free..as I said it’s not easy to get out of debt, but it’s not impossible either. Believe in yourself. You can do it


    amandasue says:
    October 23rd, 2012 at 9:30 am

    Amen! I’ve been there and handled that nasty credit report too. And yes, sometimes you work to get out, only to find those hard times again, but then you start slowing digging back in again. Yeah its hard. And yes, I was recently without electric for a month, my only vehicle blew up, botyh hubby and I lost our jobs, my dog died and my son almost cut is leg off in a golf cart and had to have emergency surgery… the point? WE KNOW HARD TIMES TO THE FULLEST EXTENT BUT WE DUG OUT • ON OUR OWN. And it feels geat when you know you were in hell, but kept on moving. You can do it!

    SKUZZDUDE says:
    October 6th, 2012 at 12:04 am

    HERE IS AN INDIVIDUAL WITH AN IQ! look at your options in life and stop taking the easy quick way out and getting deeper in debt by these types of companies. I work at a bank and i can tell you these companies pray off people in bad circumstances…dont be an idiot and do it the right way!

    dkw says:
    September 24th, 2012 at 8:32 pm

    Thank you and keep encouraging everyone!!

  • Robert Pinney says:

    August 20th, 2012 at 8:37 pm

    Western sky loans should be avoided completely, their rates are unrealistic and would not help anyone except to get people into serious debt,I would hope that this company isn’t doing this to their own people,it’s a disgrace that such proud people could be involved in such devious business practices,Yes they have the right to do this as they are a separate nation,but it’s not good business.

  • Rating
    Monica says:

    August 13th, 2012 at 5:32 pm

    The payback is extreme! I was approved for $1,500, not needing that much, I only needed $400 but this loan requires that you take the full $1,500. $500 would be automatically taken out, leaving me with $1000, they said I could send the $600 back right away.

    My thinking was I’d only owe $400 + interest. NO… I’d owe the $500 + $400 + interest= $900+INTEREST! for a $400 loan!! OUTRAGEOUS—- BEWARE

    I couldn’t do that to myself!


    Janie says:
    September 6th, 2012 at 5:02 pm

    Why did they keep $500.00 off the top?

  • d s says:

    August 13th, 2012 at 5:30 pm

    what would they do if you dont pay them back


    Kimberlie says:
    September 1st, 2012 at 10:44 am

    This company is owned by a private citizen and they can sue you in Federal court. Being told not to pay back the loan is bad advise because it would lead to serious trouble.

    Rialto says:
    August 16th, 2012 at 10:39 pm

    If they are an independent Native American nation. Don’t pay it back.

  • Rating
    JSantiago says:

    August 13th, 2012 at 11:44 am

    Tried to apply over the phone and they said i was denied but then they sent me an email saying i was conditionally approved to fax my bank info. and voided check over do this even sound right NO NO scam all over this somewhere trust and believe me!! Wanting all my info after they said i was denied who in their right minds would do that…..

  • Rating
    Rose says:

    August 12th, 2012 at 10:45 am

    I was going to try and make loan with this company but after reading all the reply i change my mind i can’t afford to get deeper in debt

  • Linda says:

    August 11th, 2012 at 7:00 pm

    Thanks for the warnings. Hubby was interested in getting a loan to pay for a much needed truck. We decided to do some checking on this company first. Now we will look elsewhere for the money.


    Cookie says:
    September 11th, 2012 at 7:50 pm

    Same exact situation here!!

  • Rating
    Elisie says:

    August 11th, 2012 at 3:58 pm

    I would like to Know who these people really are, it is evident that the commercial is not American Indians. What is the real address. I have Family on the Rez and would like to check them out.


    Tom says:
    August 18th, 2012 at 11:48 am

    You can’t be naive. You can hire anyone to do commercials.

    jb says:
    August 16th, 2012 at 8:21 pm

    The business office is in timberlake South Dakota

    James says:
    August 16th, 2012 at 12:22 pm

    O’siyo. This business is on the Cheyenne River Sioux Nation here in South Dakota. I didn’t think they could do this being a sovereign nation.

  • tay says:

    August 11th, 2012 at 1:08 am

    On the commercial it says if u get a 10000 dollar loan you will pay 743.99 for 84 months which equals 62,495.16 ,why would u agree to that scams

  • Rating
    Heap Big Loan Taker says:

    August 11th, 2012 at 12:10 am


    The contract specifically prohibits actions under state or federal law relative to the loan. The tribal court can hand down any judgement it wants — unless you go visit the reservation, collection is, by the terms of the loan itself, unenforceable. They can’t “perfect” any lien they claim against you so a court would have to rule in your favor in an action to remove any cloud the company claims on any personal property or realty you own.

    Borrow and run!


    RKearns says:
    August 16th, 2012 at 5:27 pm

    THANK YOU. I wish I had of read your these comments prior to handing over all of my PERSONAL INFORMATION ! Now I think I’m in for it.

  • Rating
    JANE DOE says:

    August 10th, 2012 at 6:42 pm

    I applied with them, they offered me $350.00 with apr of 864.88, pay back in 34 months, i will have paid them $2,638.00 for $350.00 you can keep that!!!


    jb says:
    September 19th, 2012 at 7:10 pm

    Jane doe, They do not offer a 350 loan. The lowest amount they offer is 850 not sure you ate talking about the same company!

    peter says:
    August 11th, 2012 at 12:03 pm

    Think about it…if u had 350.00 would YOU lend them to some random person halfway across the country from you without getting anything in return except their “word” that they will pay you back? High risk lending to high risk borrowers requires high motivation which is high interest rates. This is a loan that is supposed to be paid off within weeks not months. Its for when ur a lil short before payday but a loan that u pay BY PAYDAY. Its designed to make the company the most amount of money the faster u pay it off. Quick turnover. Use the same 350 over and over and over and just “clean off” the profit and relend it…350 in 2 weeks will generate something like 90 bux…in 34 months thats almost 70 times that they flip the money…which means if u pay it off in 2 weeks like ur logically supposed to…the company actually makes almost 6,300 in profit…which is why the interest rate is so high…its designed to force u to pay it off as fast as possible so u dont cost them money…if u take so long to pay it off…not only are u stupid but u suck as a customer because all u do is hold up their money

  • thank you! says:

    August 6th, 2012 at 3:11 pm

    thank you for stopping me from doing this!

  • Rating
    jame hadden says:

    August 2nd, 2012 at 1:37 pm

    It is a shame the gov let these people get away with charging this high interest rate. This goes to show you that the gov do not anything to protect the public from this crime. This is direct at skywestern you people are going to burn in hell for cheating charging these prices.


    jb says:
    August 16th, 2012 at 8:16 pm

    the reason behind the higher interest rate is that it is considered a high risk loan. The company will tell you flat out that they would advise paying the loan back in a timely matter.

    joe raines says:
    August 10th, 2012 at 2:59 pm

    This type of predatory lending should not be alowed anywhere in the US no matter what the claim is. Taking advantage of people desperate to pay bills or make ends meet is very desturbing.. Another form of greed!

    agree with Steven. says:
    August 9th, 2012 at 12:47 pm

    what more can he say,but go get a job,or work day labor,

    steven says:
    August 7th, 2012 at 6:45 pm

    So then dont borrow from them. Easy. You got your self into it.

  • Rating
    Cybil says:

    August 1st, 2012 at 12:56 pm

    No credit checks BS! They ask for u r SS# then tell you they have to run a credit check &yes you can be denied a loan ! Beware $500 loan $350 fee plus $ 200.00 per month for one year for loan repayment so you borrow $ 500 & the company gets $2750 they profit $2250 ! Do the math be careful Don’t get a loan from here loan sharks!

  • Rating
    Jason says:

    July 27th, 2012 at 4:45 pm

    Since they are not based in the US you have no obligation to pay them back. Borrow the money, close the bank account and walk away. They cannot hurt your credit score either because they are NOT US based. They specifically say in their terms of service …

    “All loans will be subject solely to the exclusive laws and jurisdiction of the Cheyenne River Sioux Tribe, Cheyenne River Indian Reservation. All borrowers must consent to be bound to the jurisdiction of the Cheyenne River Sioux Tribal Court, and further agree that no other state or federal law or regulation shall apply to this Loan Agreement, its enforcement or interpretation”

    They can only collect interest if you pay them back. Just don’t pay.


    jb says:
    August 16th, 2012 at 8:18 pm

    They may have to abide by the laws of the Cheyenne river Lakota tribe…BUT it will hurt your credit score. ANY LOAN that you take out and do not pay back will effect your credit.

    Malcolm says:
    August 15th, 2012 at 6:48 pm

    What you are advocating is THEFT – STEALING – BEING DISHONEST – LYING etc, etc, etc!

    It does not matter what they charge – just don’t use their service, but don’t PURPOSEFULLY and DELIBERATELY … STEAL, Weren’t YOU TAUGHT ANYTHING AS A CHILD about RESPONSIBILITY and or INTEGRITY?! (I’m just asking).

    shawty says:
    August 5th, 2012 at 11:50 pm

    Yes, Jason have you done this?

    Missy says:
    August 4th, 2012 at 8:14 pm

    Does that work, have you actually done that and not paid them back. Can’t they sue you.

    mike says:
    August 2nd, 2012 at 8:06 pm

    Have you done it

  • Rating
    UGH says:

    July 26th, 2012 at 3:45 pm

    This loan company is not based on the Cheyenne Sioux Reservation.


    jb says:
    August 16th, 2012 at 8:26 pm

    The Business office is located in Timber Lake South Dakota. That is located on the Cheyenne river reservation.

    B.S says:
    August 7th, 2012 at 10:40 am

    No he has not! Get you facts before you say anything. They use a company called Cashcall to service there loans and they are a U.S company

  • Jamie says:

    July 26th, 2012 at 8:01 am

    Can someone answer this, I’m a mom of a special needs kid. We have had a major emergency come up and in need of $1,500 ASAP. My husband is getting a bonus check the first week of sept and we could pay off the loan then. How many fees would we rack up in a short term loan like that with them? Our credit took a major hit so we don’t have great credit nor anyone to borrow it from. Some help or suggestions would be wonderful if this place still would take huge advantage of us even in a short term thing. Thank you!


    Tiffany says:
    August 9th, 2012 at 1:58 am

    The ONLY legit loan site I have found is Ameriloan.com. money was there next day. I only borrowed $500.

    Tom says:
    August 7th, 2012 at 10:25 pm

    Check out money mutual. I have used them before and it’s still expensive but not this bad. I borrowed 800 n had to pay 1000 back. It goes by your pay dates for due dates too. I think they will only lend 500 to new customers tho. Hope this helped.

    Jamie says:
    July 27th, 2012 at 12:28 pm

    No, we tried getting a loan and they turned us down. For the first year or so our son was alive we had to make choices of bills or meds. Things have gotten better but we had a medical issue and a rather large car issue come up at the same time. I called them yesterday, didn’t give them our info just asked if we got a loan for that amount and paid it by mid sept how much would they charge me. They said it would basically be $10 a day interest which makes me sick but I don’t know where else to go. Do you think they’d just charge me the $10 a day in interest or would it be more? I’m don’t know what else to do.

    Zev says:
    July 26th, 2012 at 3:57 pm

    At the lowest Apr of 116%, you would be paying around $1000 in interest for those two months. If you have a medical emergency, they have state help available for you to help pay for you child. Have you tried going to a local bank or credit union for a loan? Its not a very big loan. They might give it to you. Let me know

  • Rating
    vickie says:

    July 25th, 2012 at 1:16 pm

    Well, I am laughing at myself. I got a loan for $2600 7 months ago, have paid almost $300 a month for the past 6 months and I OWE $217 MORE TODAY THAN THE DAY I TOOK OUT THE LOAN!!!! In this 6 months, my principle has decreased $16.00!!! Now I knew this was not a good idea, but it was what I did at the time. I can’t say Western Sky has cheated me! I can only laugh at myself for doing something that I really knew was not a good idea, but I did it anyway!!! Now I get to pay the “stupid tax”. :-)


    Kyle says:
    September 26th, 2012 at 2:07 pm

    Vickie, I did the same thing! Only mad at myself now! My payoff went up in 6 months!

  • Rating
    David says:

    July 24th, 2012 at 7:47 pm

    I am amazed that a Native American owned company would use loopholes in the legal and financial world to put people into deeper financial jeopardy. With all the reality of how poorly the Native Americans have been treated in the US, it is beyond comprehension the Sioux Nation are abusing others in a similar fashion. I hope this is not the legacy that the Sioux Nation is remembered by.


    maxie says:
    November 28th, 2012 at 10:18 pm

    David you are uninformed or uneducated

    jb says:
    August 16th, 2012 at 8:19 pm

    it is not owned by a native American it is owned by a SOLE MEMBER

  • Rating
    Jinny says:

    July 22nd, 2012 at 2:01 pm

    My hubby keeps writing down the number just in case we get in a jam he says….Its a good thing that I do all the money so that we are never in a jam….he already lost everything HE has. So I brought up the website and reviews just to quote the rates to him….now maybe he will stop thinking that theses guys will help you. O and by the way HE is 73 years old. So poor money skills knows no age limit. Understanding money is the most important thing you can do. I suggest that all you people take a quick course on budgeting. Look at your checking account statement and it gives you instructions how to balance your bank account. Go to the bank and sit with someone, get it balanced, keep it balanced. Like anything it takes time to learn, but gets easier with time. And before you get a loan, or spend a large amount of money, read all the reviews…understand what you are doing.

  • Rating
    Eddie says:

    July 22nd, 2012 at 1:09 pm

    Do not use this company, former employee. Mean and dishonest people, makes me ill.


    Gman says:
    July 26th, 2012 at 8:41 pm

    Hey Chan, did you close your account? If so, what happened?

    Chan says:
    July 26th, 2012 at 11:29 am

    What if I close the bank account they withdraw from

  • Rating
    Reggie says:

    July 21st, 2012 at 4:23 pm

    I have written a letter to one of the Senator’s in the state that I live in to see if there is anything at all that can be done about these Casino Run Loans.


    Jackie says:
    September 15th, 2012 at 9:17 am

    have you heard anything?

  • Rating
    Tamra says:

    July 21st, 2012 at 4:19 pm

    This company is a terrible, I have a friend that has a loan with them and she is paying it back, the bad part for her is the way she is treated on the phone if she has questions, or they call her and expect her to pay more than owed for the month, we work together and she has gone to our Manager to have her phone ext changed so they do not call her at our work place again, she will be in this loan for a while and 100% regrets it. VERY BAD DECISION.

  • Rating
    kitkat says:

    July 21st, 2012 at 1:21 am

    just listen to the commercial. they tell you the money IS expensive. they warned you.


    lenny says:
    July 26th, 2012 at 5:55 pm

    haha if your a mature and responsible adult them you should know better than to get a loan from them, lol people like u are the reason they do this lol

    Vickie says:
    July 25th, 2012 at 3:52 pm

    The agent that worked with me was pleasant, I guess I would say that he encouraged me to take the loan (that’s his job, right?), but he also discussed with me the payments and encouraged me to pay back the loan as quickly as possible to save significant interest money. I contacted them for money–they did not approach me. It was easy and fast to get the money. I also gave them 4 stars. My feeling is that they did their end of the deal–they warn you the interest rate is HIGH! I took the deal anyway. Now it is up to me to live up to my end of the deal. If you are a mature and responsible adult, how in the world could you be angry with the company for doing what they told you they would do, expecting you likewise to do what you said you would do? I was the fool–they did not trick or deceive me.

    Jim says:
    July 21st, 2012 at 4:20 pm

    you must be involved with this company to give it a good rating, NUTS

  • Rating
    amh says:

    July 20th, 2012 at 12:41 am

    my response to this company is that it is a shame that there are many people out there on disability (not by choice), who really need help! This company puts on commercials and people get hopeful. I have been thinking about this company for weeks and haven’t done anything, but after reading reviews, it scares the crap out of me. What doesn’t scare me is taking the money and run! Cause you see, the stress involved trying to survive day to day and wait till a once a month payday! My disability takes daily care. Poor, poor, yes. Western Sky and many businesses alike should be ashamed of themselves.

  • A Girl says:

    July 18th, 2012 at 9:17 pm

    For all of you who have recommended that NO ONE go to these people…I thank you! I’m desperately in need of $7,000 but…not that desperate! I appreciate all of you who warned people like me to try something else. And…that’s exactly what I intend to do! I know I’d qualify for their pitiful loan…but…the expense I’d be socked with is simply NOT worth it to me. So…thank you once again for this warning. Just so you know…I am totally listening!


    Richard says:
    August 4th, 2012 at 8:39 pm

    Correction, expect to pay at least 8 times the amount that you borrowed.

    Richard says:
    August 4th, 2012 at 8:37 pm

    It is better to take out a loan with a bank, credit union, or cash advance on your credit card, heck even pawn stuff you have rather then go to this place. If anyone does go to them basically expect to pay 5x as much as you borrowed, something that is not worth it for many people.

    erebus says:
    July 21st, 2012 at 5:01 pm

    As I said above:

    If you think you’re in bad shape financially now, just take out a loan from these people. You’ll wish you’d never heard of them.

    As the article above describes, if you take out a $5000 loan (at the lowest annual percentage rate – 116.74%) and take the full time to pay it back, you’ll have repaid that to the tune of 5,000 (principal) + $35,872.72 (interest) for a grand total of $40,872.72.

    I’m sure you’ll have better things to do with $40,000 over the next 7 years, as opposed to repaying a loan (you spent years ago) many times over.

  • Rating
    Michigan accountant says:

    July 16th, 2012 at 2:53 pm

    A$10,000 loan costs almost $63,000 to pay off or 53,000 of interest. That is Criminal!

  • lisa says:

    July 16th, 2012 at 2:11 pm

    whay happens if you close your bank account and lose your job how do they come after you


    KL says:
    July 22nd, 2012 at 1:05 pm

    Oh that is not True !

    TK says:
    July 21st, 2012 at 7:24 pm

    They will place a lean on you yearly tax returns for the money you borrowed and agreed to pay back + the cost for having to properly take your yearly taxes + if you own any assets such as a car, motorcycle, house, boat, insurance policy and even burial sight they have the right to place a lean on those types of things . . .

    Worst part — if you got a co-signer, they go after their assets too

  • pamela says:

    July 16th, 2012 at 12:16 pm

    I started the application but i deleted all of my information could they still go into my account?


    Miss Ong says:
    July 26th, 2012 at 8:37 pm

    Yes, they would probably do it under some other pretense or take your identity. The employees are not required to pass a background/credit check and have been known in the past to get cash payments wired to them, only to never show up to the office again.

  • Rating
    File bankruptcy on them says:

    July 16th, 2012 at 8:44 am

    File chapter 13 or chapter 7. You have already destroyed your credit anyway file bankruptcy and move on there will be nothing they can do about it. In chapter 13 you can keep your home and cars and they only get paid back a tiny amount over 5 years and then your done and I mean a tiny amount. In chapter 7 you still get to keep most of your stuff and if you have a home loan you can reaffirm it so you can keep it and just file on the rest of your stuff and that includes westernsky and basically they get nothing its done you wont owe them a penny and they cant do crap about it. Even if they try to file against the chapter 13 or 7 it wont work and this is what they dont want you to know. Also once you sign the papers if they harass you your attorney can have them put in contempt and seek financial restitution for you. If you credit is already screwed then just go for it you will sleep better at night. And most creditors lie and say you will never get a car loan or mortgage if you do and that’s a lie.

  • Rating
    Jim says:

    July 15th, 2012 at 6:14 pm

    Never get a loan with western sky, never!!! My daughter applied and told me she had done this, I put a stop to it right away, the application was not complete so we were able to stop this. There are other ways to get money, not from terrible loan sharks like this. Everyone out there who is thinking about this, don’t do it!

  • Rating
    cinshe says:

    July 14th, 2012 at 3:39 pm

    I needed a loan fast. I do have good credit and so i looked into this loan. I was approved. I needed the 10.000 dollars for school and house payments. Im a single mother of two small children. If I had to do it all over again. I would never had applied for the loan with this company. Im paying back the loan as if I was buying a house In full. Take careful steps with this company. It isnt all peaches and cream. They are very nice and helpful in the beginning. That changes rapidly.


    Reddogg says:
    July 21st, 2012 at 12:07 pm

    From speaking with the AG Georgia, Western Sky/CashCall is prohibited from operating in Georgia. Also, any outstanding loans will have no further collections. It is like the U.S. government going on an Indian reservation and trying to enforce their laws like Western Sky coming into your state and trying to enforce their laws. It will never happen. Do you all honest think they will go into a state and file a lawsuit on an outrageous loan? Send them letters to stop drafting from your bank and tell them you will only communicate with them through email. I have done it and they have only sent me emails and not called. Also file a complaint with your Banking Industry, FTC, and Attorney General Office.

    Alexis says:
    July 14th, 2012 at 5:06 pm

    I am reading all of these reviews, may I ask how did this change rapidly? do they keep calling once you have the loan? and how much are your monthly payments ? do they demand more than what your payment is ? I have read nothing but negative comments about this and when I see the commercial on TV, it makes me sick, I thought about applying one time and did not.

  • Rating
    Sam says:

    July 14th, 2012 at 3:38 pm

    These people operate on tribal Indian land and are not subject to American laws and regulation. The new ad they have offers a $10,000 loan and in the small print on the ad it show a payment of $743.00 on an 84 month term and the rate is 89%. The payback amount on that loan is $62,412. It seems that the Indians have set up their own mafia and are in the loan sharking business and the Federal Government sits back and allows it.

  • Rating
    Need Help-But Hard Worker says:

    July 13th, 2012 at 9:21 pm

    So I really need a small (maybe $1500) loan to avoid eviction. I have just been hired with a company for 2 weeks, so the money isn’t coming fast enough for the landlord. I’ve read the reviews against Western Sky and just want to know: a) if I can pay this loan off in about 2 months, is it worth it? and b) if not does anyone have a suggestion to a better site? I’m drowning here. We have small children and need to avoid being thrown out. I just need a small loan to get me over and my credit isn’t the best b/c of past credit card bills! I’m the only one working right now, so can any one HELP!!!???


    Janie says:
    September 6th, 2012 at 5:15 pm

    I’ve heard Dollar Loan Center is pretty good, but idk.

    C.C says:
    July 16th, 2012 at 8:19 pm

    Whatever you do, DO NOT take this loan. Try Magnum loans – they set you up in 4 payments and you know exactly what your paying and once you get down to one payment they will let you know how much you can borrow again, but dont get caught up in living off of these either, once you pay it off, keep it for emergency only. i am a single mother and have ajob, but magnum have surely saved my life.

    Deanna says:
    July 16th, 2012 at 12:00 pm

    I got a loan at plain green for $1000. I paid it off before the first payment was due and the total fee was $115. So I paid back $1115.00 total. It was fast and easy and convenient. BUT there is no way I would have done it if I couldn’t have paid it back so quick.

    Taaya says:
    July 14th, 2012 at 6:48 am

    Western Sky is not the answer for you and I understand the desperation, all of the payday loan companies are very expensive, Western Sky being the absolute worse. Go on-line and look for a loan company within your state guidelines, like I said payday loans are expensive, but the loans are smaller and more manageable, I have had payday loans and I feel if you always pay towards your balance and the loan is small, it is manageable, I was fortunate not to get a loan with western sky, I needed some extra funds when I applied, and it was the larger amount or nothing for me, also, if you have family members, talk to your landlord, possibly go the county for help, everyone needs help once in awhile and it’s ok to ask for it. I am not sure if you would qualify for a loan if only hired for 2 weeks at a job, and very doubtful if WK would approve you and that would be for the best, it’s a lot of faxing and waiting and not worth the time or the pressure in the end.

  • Smart says:

    July 13th, 2012 at 2:24 pm

    close your acct and go from there

  • Rating
    Taaya says:

    July 10th, 2012 at 7:43 pm

    I applied for a loan, and what a joke! I was denied and I am so happy about that, I think I was more nervous about being approved than I was about being denied, I’m not sure what I was thinking when I applied, I read alot of the reviews during the loan process and became very nervous about this, and I have had credit problems like alot of people do, but this truely is not the answer. This loan would have made everything worse, Thank you Western Sky/CashCall or whoever you are for turning me down.


    Stevee says:
    July 22nd, 2012 at 11:19 am

    If you got declined by these guys, the lowest and easiest of them all, then you’ve got way bigger problems lol

  • Rating
    John Soninuras says:

    July 9th, 2012 at 9:21 pm

    If your desperate and need money fast, this is the site for you. The rates are expensive, but they are friendly and have helped me get through a very tough time. The unfortunate part is I have 82 payments of $472.78 each left on my original $5,000 loan. When all is said and done the loan will have cost me $40,872. My kids still have a roof over there heads tonight, and it only cost me the next 7 years of my life. Thanks !


    klc says:
    July 25th, 2012 at 9:10 am

    I think a roof over his kids heads is more important then college, wouldn’t you say.

    SMH says:
    July 23rd, 2012 at 8:41 pm

    Kids college is not important.. just your stupid loan, you should be ashamed of yourself!!!

  • Rating
    Math Genius says:

    July 9th, 2012 at 9:06 pm

    Exactly, you don’t have to be one to do simply multiplication. A $5,000 loan will cost you over $40,000 in the end. Honestly you may be better off trying to sell crack for a quick buck, the risk is not near as bad as getting a loan from this company.


    B.S says:
    August 7th, 2012 at 10:58 am

    Not if you pay it back in a timley manner.You do not have to use all 82 months du.

  • Rating
    Ironjack says:

    July 9th, 2012 at 11:39 am

    As a former employee of Western Sky, I can tell you is one of the cruelest, most ruthless loan companies you can possibly imagine.if you can borrow money from friends or other source, do it. unfortunately people is not careless enough and just sign the contract with the delusion of fast money, but in the long term, you will realize you were scammed, and there is no federal law that will help you.besides, they discriminate people based on age, race, a collateral (even if they offer unsecured loans). JUST DON’T DO IT.

  • Rating
    Spooks says:

    July 9th, 2012 at 8:30 am

    Yes you can try. I am. They have screwed me in so many ways.

  • Rating
    Jeanette Lopez says:

    July 8th, 2012 at 3:21 pm

    When you think of the atrocities inflicted on Native Americans by the early pioneers and the United States Government, I say PAYBACK IS A BITCH. You go Western Sky.


    Denny says:
    July 19th, 2012 at 4:04 pm

    Ms. Lopez,

    Are you serious? OK, I’m Black (and have Sioux Indian ancestors), so does that mean I have the right to open a business and rip people off simply because my ancestors on both sides have either been exterminated/forced off their land or forced into slavery? ABSOLUTELY NOT! And I find your comment deeply troubling and an offense against anyone with a sense of decency, no matter what race.

    anonymous says:
    July 16th, 2012 at 8:49 am

    Shame on you jeanette you have no right speaking for those who are in any way of native American descent. you must be vying for a darwin award. Or do you work for this joke of a company.

    Taaya says:
    July 14th, 2012 at 6:54 am

    I think the comments that go back and forth on here can get carried away, everyone has there own opinion, I think that if you see a good review, it’s because that person is part of western sky one way or another.

    African Princess says:
    July 11th, 2012 at 1:02 pm

    Jeanette, grow up. Life isn’t about pay back. If you are so dedicated to one’s own culture, why do you not live in Mexico? You don’t see black people opening up businesses to scam people just because our ancestors were once slaves. If you had a choice, would you choose to lose your land or your life as so many of my ancestors did? GROW UP!!

  • Rating
    Disbeliefinusa says:

    July 8th, 2012 at 12:46 pm

    I’m reading the reviews and although some folks did blog their experiences with the western sky loan (the original item) too many others are talking about other things that have nothing to do with the loan. Putting other people down is not the point. You want to give good advice and help someone reading this? Tell them not to do because of the high loan interest rate. Its better to go thru a bad financial crisis for a little while them to never be out of it. That’s what will happen when you borrow money from these types of company.

  • Rating
    gradyboi says:

    July 6th, 2012 at 8:37 am

    After reading all these reviews I ran to the phone to cancel my loan asap! Thank goodness their system denied me yesterday because I didnt have employment but i do have income. Life is great because if something is bullshhh it seems to always fall thru.

  • Rating
    FS says:

    July 2nd, 2012 at 5:33 pm

    don’t get involved with western sky. i did and i regret it. in October of 2010 i took out a $1000 loan but what they didn’t tell me ahead of time was that they would tack on a $500 fee and that each day $5 of interest is applied until the balance is paid in full. they are only nice in the very beginning. don’t trust them. i only paid them off in full this past may of 2012. i used my tax return and paid them off that way. they operate out of a Sioux reservation and don’t tell you that they aren’t subjected to federal laws so they can basically do whatever they want without repercussion from federal authorities. they can also add on fees that come from out of nowhere and add that on to what you owe. that happened to me one time when this burly-sounding man demanded that i pay this additional fee because i wasn’t current on what i owed for that month, this after another rep said that i was current. i told him that the other rep said i was current, and he didn’t care. can you imagine the relief i felt when i used my tax return to get rid of these fools? they sent me a form in the mail which actually was the contract stamped with paid in full on the front. there are a lot of fine print stipulations in the contract that bind a person to them that they don’t convey to you over the phone when you first get involved with them. for example, they don’t tell you when you first call them that they operate out of their Sioux reservation and aren’t subject to federal regulation. this is the trap they set. they use the guise of being indigenous Americans who only want to help people but western sky people are vicious thieves. i am happy to no longer be involved with them or anyone like them ever again. don’t buy into their commercials and claims. avoid them like the plague and hopefully no one else will get involved with them so they can close up shop.

  • Rating
    Terry says:

    June 30th, 2012 at 2:14 pm

    The money’s expensive alright! Totally not worth it. Find another way.

  • Rating
    Carol says:

    June 30th, 2012 at 12:32 am

    I actually applied for one of these last night and was approved pending their receipt of my pay stub, voided check, and most recent bank statement…Well….I had withdrawn available money and had to go into my overdraft protection for bills thus ending that statement in the negative..Alton Davis with cash call was sooo nice to me until that was emailed to him. He actually HUNG UP on me while I was explaining the negative balance!!! What a blessing in disguise!!!! This place is a sham and I will tell it wherever I can!!!! STAY AWAY!!!!

  • Rating
    Maryann says:

    June 29th, 2012 at 8:08 pm

    I so agree. My debt was sold to Cash Call and even though it was clearly stated that I was to receive a call on June29th they called me one the 14 ad badgered me till I gave then money. Then I went to a supervisor to complain and she aide I owed Cash Call $80.00 more. They respect nothing. I was told by I man that to clear my account it was x amount. I was shocked by the 80 extra. I am a very poor disabled person trying to keep my head above water. I am a stereotype of the people they prey on and I don’t have any more trust in them. I was hopeful at first’ but oh,so wrong.

  • Rating
    MIMI says:

    June 27th, 2012 at 11:54 pm

    They make a FORTUNE off of peoples misfortunes. Its almost IMPOSSIBLE to repay the loan unless you repay it in 30-60 days. Otherwise you will be paying off 1000+ x’s the loan amount. They fail to mention that they charge $9.95 a day plus whatever Outrageous APR%. If your debt is that sooo bad, then you would be better off doing a bankruptcy. ITS A SETUP FOR HIGHWAY ROBBERY


    Niecey says:
    July 10th, 2012 at 2:24 pm

    OK I’ve read enough… I’ll struggle just a little while longer. There is light at the end of the tunnel it may take a little longer to get to the end but I’ll get there. Thanks everyone for your stories.

  • Rating
    Real Person says:

    June 27th, 2012 at 9:32 pm

    After reading these reviews I decided to see what this company was all about on my own. The commercials are full of crap. Given, my credit is not amazing but its not super horrible either and I was denied! Maybe it was for the best. Dont waste your time, trust me, I really just wasted mine!


    Maryann says:
    June 29th, 2012 at 9:06 pm

    You were so blessed!

  • Shell says:

    June 23rd, 2012 at 5:38 am

    I applied for a loan back in Dec.
    And was denied due to my credit. Now the tv ads say anyone is approved? is this true,?
    I understand the risks but need money urgently. and a short term pay day loan .imI cant do I have no no other options. Bills are piling up and medical treatments are not cheap. I wonder what would happen if I reapplied.


    MIMI says:
    June 27th, 2012 at 11:34 pm

    I forgot to mention that initially they denied me. The second time I applied they approved me based on my income!

    MIMI says:
    June 27th, 2012 at 11:33 pm

    If you are already upside down in bills, then this is NOT the loan for you, I am currently in a loan with them for $2600. With a $294/month payment. 48 month term @ 136% APR and I am 6 months in. I just called to get my pay off and balance and just learned that my P/O is at nearly $4400. Thats 2x’s my loan amount. And thats just for now. In addition to that the representative told me that I am being charged $9.95 a day. Smh…. My payments have all been on time. I am thankful that I have a settlement coming to me so that I will be able to get rid of this BAD SITUATION that I am in. I was like you @ the time getting my loan DESPERATE! My Grandma passed 2 days before Xmas and I needed funds to travel. SO, when we are in a crunch situations we dont seem to think clearly. But Im hear to advise you NOT to go with this company. You will end up in a very Costly Long term Loan. Your probably better off doing a bankruptcy if things are so bad. These companies make a fortune off of other people misfortune! GOOD LUCK!

    Marsha says:
    June 26th, 2012 at 2:36 pm

    That is false advertisement.

  • Rating
    cherie says:

    June 21st, 2012 at 4:49 pm

    I also saw this commercial and would never get myself caught up in it. I got caught up in another company. It was ok at first but at the time the loan was to be fully paid back, the company kept taking money from my account. By the time I added up all the payments from the 500 dollars I borrowed I had payed back over 1,500 dollars. My suggestion to anyone thinking about borrowing money from these companies is to not do it at all. I had to finally go to the bank and close my account and reopen another one. It’s too much of a hassle and the will all rip you off. One other thing is….you are forgotten after they lend you the money cause if there is a problem you cannot reach anyone to talk to. Be very cautious and think long and hard before putting yourself in this situation.


    Me says:
    July 6th, 2012 at 7:26 pm

    Did they also call you at work? I would think hard if that is what they will do.

    Mimi says:
    June 30th, 2012 at 11:07 am

    What if u want to borrow say 850 for just 45 days…still not a good idea

  • Rating
    Mike says:

    June 18th, 2012 at 11:01 pm

    I needed some money quickly and didn’t have the time to go thru the hoops that my credit union required so a couple weeks ago, I filled out an application online with Western Sky. When I hit Submit, I immediately saw a message that said I had been Denied. Ok, so I went to another site and got my money and forgot about Western Sky. The next day, I started getting calls and emails from “Cash Call” which is apparently affiliated with Western Sky telling me that I could still get money even tho I was turned down.

    I don’t get it – why turn me down in the first place when they were just going to call and tell me I could get money? The calls and emails have been nonstop, every day, several times a day. I delete all their emails unread and all their calls go directly to voicemail. Their calls come from two different numbers or “Unknown”. It’s annoying and I wish I had never given them my number. If you decide to borrow from them, be prepared to be bombarded with calls.


    M. D. says:
    July 2nd, 2012 at 11:35 pm

    I think bill should shut his big mouth!!

    Maryann says:
    June 29th, 2012 at 9:20 pm

    A.D I got it through Western Sky Financial so I’m fighting to get Cash Call out of the picture; they harass making you feel so bad that you just want to stop trying.

    Bill says:
    June 26th, 2012 at 8:42 am

    Andrea CLEARLY works for Western Sky. This is a TERRIBLE way to get money, no matter how badly you need it. Loan sharks don’t charge this kind of interest. The reason predatory lending laws are in place is because after only a couple months, loans like this become impossible to repay by someone who was desperate enough to take such a loan. Bankruptcy is a better solution than this. Either way, your credit will be damaged.

    Why do you think the interest rate on higher amounts is lower? They want to encourage you to take a higher loan, and if you take a smaller loan, they want to penalize you quickly. These loans are not designed to be paid back easily. They are designed to squeeze as much money out of the borrower as possible. They are also designed to be taken by younger people. Why do you think they advertise on MTV and late at night? Young and dumb…I’m sorry if the truth hurts, but that’s the target market. They want your money and your parents’ money and they fully hope you don’t take care of it too quickly.

    Don’t be stupid, people. 99% of people in America are bad money managers. This type of loan will ensure you get a head start on poor money management. Predatory lending practices don’t benefit anyone but the lender! Go do something safer like borrowing from a drug dealer or robbing a bank before you get yourself in this kind of trouble.

    Andrea says:
    June 20th, 2012 at 11:02 am

    Hey I just came across this site, I’m currently going through Western Sky right now. I’ve read everbody’s comments and I agree that NOBODY should do this loan UNLESS it is ABSOLUTELY necessary and if you know you are going to pay it back within a year. I am a full-time nursing student in a BSN program, I was working full-time but I had to cut those hours down due to it interfering with my school work(If I fail nursing school, I’m just screwed all the way around). So with that being said, I’ve been accepted to the Navy Nurse Candidate Program, I get a $10,000 scholarship and $1,000 a month until I graduate. I will be working as a student nurse which means more pay, better benefits, and also tuition assistance. But, these “perks” don’t start until October. So from now (June 20,2012) until then, I am flat broke. Emergency savings are gone, I used that up in April

    I applied for private student loans but I need a cosigner (which is not unusual). But, because just about every member of my family has filed for bankruptcy(sans me)I can’t get a private loan.

    Because I had to reduce my hours at work, I’m on an “as needed basis”, which means I haven’t worked in three weeks. This loan, while expensive, will save my behind until October.

    But please keep in mind, borrow ONLY what you NEED, and if you can’t pay it pack in a year or less, FORGET ABOUT IT!!! $5,000-$6,000 isn’t bad if you know good and well you fit that criteria.

    Also, I got into trouble with credit cards so my credit is not that great, but instead of filling for bankruptcy, I paid them off. It sucked, but I did it. By the time I graduate, my credit will have recovered a little LOL! But seriously, if you are really in need, make sure you listen very carefully to what the representatives are telling you. Don’t go overboard with the money, just because they approve you for it. TAKE ONLY WHAT YOU NEED!!!

    A.D. says:
    June 19th, 2012 at 3:18 pm

    Which company did you end up getting a loan through? Thanks!

  • Rating
    ashley says:

    June 9th, 2012 at 4:13 pm

    I’m with cailin..can ANYONE give an actual review instead of telling us what they’ve seen in their commercials or online? Hello…we can all watch the same things u do! Have any of u actually done it?!


    Maryann says:
    June 29th, 2012 at 9:23 pm

    I did it and am worse off now then I was before. It was a stupid financial move on my part.

    Sara says:
    June 14th, 2012 at 12:54 pm

    You would be stupid getting a loan from these people

  • Rating
    So Not Borrowing says:

    June 6th, 2012 at 1:04 am

    I just saw the commercial and after reading the reviews, I’ll make arrangements with my loan shark uncle…….he’s considerably cheaper, lol!


    n doubt says:
    June 20th, 2012 at 7:25 pm

    I just spoke with someone from western sky. I think they are the real deal, but they’re killing you on interest. After reading some of the reviews.I say no thanks to. Western sky.

  • Aaron says:

    June 5th, 2012 at 4:36 pm

    What happens if you don’t pay them back? Are they a legal financial institution? I think most of the people using this company will take the loan and never pay it back. Companies like this keep the poor down. Sad.


    LB says:
    June 7th, 2012 at 5:50 pm

    You know you just clumped a group of people together that most likely come for a large difference of back ground… I think that the fact you would even think that way goes to show your way of thinking and doing business.

    I would like to add that the current situation of the USA has a big hand in keeping the poor down and dragging the middle class down as well!

  • KMDL says:

    June 5th, 2012 at 8:24 am

    John you still didn’t answer Mike; what bank did you go to that gave you the 7 grand

  • cailin says:

    June 4th, 2012 at 2:18 pm

    I’m trying to read an actual review of this company. Has anyone here actually used them? All you people are doing are talking about the website and commercials. I can read and watch tv too, so can anyone tell me about an actual experience?


    Maryann says:
    June 29th, 2012 at 9:28 pm

    I did. I found out that they have no license in Texas. That is why they sold me or just moved me to a different department. Cash Call/Western Sky Financial, who knows who is really who.

    Sara says:
    June 14th, 2012 at 12:58 pm

    My sister went through them 3 weeks ago and let me tell u it has been a nightmare She has been harassed every day with calls to repay the money now they have ordered that her bank account be garnished for repayment they will loan it but expect it back very quickly She borrowed 3200 to pay emergency bills due to her being off of work from a car accident they expect her to pay back no joke here 8700 dollars they said thats interest fees and paper work I would not recommend these ppl to anyone ever

  • DAIS says:

    June 1st, 2012 at 7:45 pm

    HHMM… A 116 percent or 216 percent cheaper to see a shylark or the corner thug its cheaper. I cant believe this is legal… desperate people out there.

  • J. Lo says:

    May 30th, 2012 at 11:47 am

    I would like to know what does your credit score have to be? If your credit score is low will they still approve you?


    Maryann says:
    June 29th, 2012 at 9:36 pm

    Unfortunately , yes. I have no idea how I got through.

  • Scam them back? says:

    May 29th, 2012 at 8:30 pm

    Can I get a loan from them, not pay them back and not get penalty for it?


    lisa says:
    July 16th, 2012 at 2:02 pm

    hey did you get the loan and not pay back?

  • Rating
    Salamone says:

    May 29th, 2012 at 10:49 am

    I can’t beleive people are criticizing this company and expect companies and governments to “look out” for consumers. No one is forcing anyone to take this loan. And its designed to be paid back in a few months by the way. If someone is stupid enough to pay it back long term its their own fault.


    Nate says:
    July 6th, 2012 at 5:25 pm

    If a person had the means to pay back a $10,000 loan in a time as not to pay so much interest, really didn’t need the money in the first place.

    Maryann says:
    June 29th, 2012 at 9:51 pm

    Re, A I am disabled and living solely on disability. It hardly pays for your meds, or anything else you need. After two or three years of this you get very desperate. The government is supposed to help but the screening process is really something else. I lost two benefits because a summer seasonal directer said I would make $800. I never saw that $800. In less than two months I had to pay my medicare and they took an extra 100 out one month because they pay ahead. I had to reapply for Food Stamps and now I have to re-apply for QMB. Dis anyone ask what was really happening? No, they don’t they just look at numbers and believe them over the truth of a person’s life. It’ hard being disabled. It really is.

    Maryann says:
    June 29th, 2012 at 9:11 pm

    I agree but when it comes to the choice of having a place to live vs being homeless, you don’t understand until you are in it. It’s fear out of control and unfortunately it does not just go away.

    z says:
    June 19th, 2012 at 9:57 am

    really! at 22 you want to criticize an 18 year old. I want to see u at 30 or 35. life happens hun, right now you got everything in the bag but lets check you out in 15 years. I cant stand that you are telling the 18 year old about money management and you still got similac on the breath. Take some time and think about the things you say, you are merely opening your self up to go through a major trial. be considerate, you dont know the 18 year olds total situation. I dont know, it just irks me that at 22 you think you have life down to a science. Recognize that you dont stop learning till you die and quit berating people because today your situation is not like theirs is pretty unfortunate because you are just setting yourself up to go through something worse then what they are going through. I have great credit and I’m 36, but I dont put others down for their financial situations. WHO ARE YOU TO DO THIS? You could be working today and unemployed tomorrow, irregardless of you financial situation, please dont try to treat someone like they are stupid because your situation is a little better than theirs.

    Re: A says:
    June 8th, 2012 at 3:10 pm

    No that 18 year old needs some serious education if he cant add or multiply… This is coming from a 22 year old. I got my first credit card when I was 18 and I did just fine… In fact my credit score is in the top .2% of my age group: http://www.creditkarma.com/

    I agree the rates are RIDICULOUS!!! But to blame companies or regulators for the stupidity of some people is, well, stupid… Money management is not brain surgery all you need is basic math skills that you should have learned while in elementary school.

    A says:
    June 2nd, 2012 at 1:27 am

    I just saw this commercial on MTV 3 times in one hour. So an 18 year old kid doesnt know any better and maybe wants to buy a car. Borrows $10,000 from these crooks and then ends up paying almost $800 a month payments for an amount of almost $65,000. These people need to be stopped. A regular bank cant do this.

  • Rating
    latoya says:

    May 27th, 2012 at 10:14 pm

    this loan is not suppose to be long term maybe thats what people dont get u get this loan and back it back before the fees get so high. i have done the loan and only took what i needed to keep a roof over my head and returned the rest of the money and within the next three months i’ll pay it off. maybe some of you arent listening when they talk they tell you if u intend on taking the whole 4years to pay it off than dont take the loan they warn you of this over phone all you have to do is listen to what is being said. i say go ahead and do the loan pay it back within 6months or least and you’ll be ok. dont be homeless,careless or hungry because you listening to what others are saying, you know your situation and whats best for you.


    Maryann says:
    June 29th, 2012 at 9:55 pm

    I was told I had two years to repay it. What a mistake I made.

    haralou says:
    June 11th, 2012 at 3:18 pm

    that makes a lot of since what you just said miss lady

    dot says:
    June 8th, 2012 at 5:58 pm

    ty. ill take this into consideration.

  • Rating
    Michelle says:

    May 27th, 2012 at 8:50 am

    Although your paying $486 a month for $5000 quick loan purposes this would actually be an okay bet if your unable to get a cash advance off your credit card. Most pay day loans charge double or triple the amount of interest. If your looking for long term this is definitely not the loan for you. If you are able to pay it off in a couple months it wont be to bad but yes if you take the entire 84 months your spending way to much money on interest. Try getting a cash advance from your credit card, pawn something, or even try having a garage sale.

  • Rating
    Lisa says:

    May 22nd, 2012 at 8:07 pm

    I am in a tough situation right now and I would never do this
    I will just stay homeless. LMAO


    MIMI says:
    June 27th, 2012 at 11:46 pm

    Smart Girl…LOL

  • Rating
    danij says:

    May 20th, 2012 at 12:18 am

    I just saw a commercial and wanted to see if they were legit. I am out of emergency savings, unemployment is gone. hoping get a job within the next week, but not soon enough to pay pertinent bills for next month. I thought about borrowing 2thousand, but I guess not;back to the drawing board.

  • Rating
    marcus says:

    May 19th, 2012 at 10:54 pm

    They charge double or triple what you “borrow”……yet they also make you do cartwheels to get one of their”loans”………..They say this is because of a high default rate,yet they give reliable people too much grief to get a loan!!……With those payback rates they should take more of a risk with people who will pay!!!

  • Rating
    Wolfe says:

    May 19th, 2012 at 4:03 pm

    I see this group is trying to do business in Canada. There interest rate is not only outrageous but also illegal. It is a criminal offense to charge more then 60% interest in Canada. It is a chargeable offense under the Criminal Code.


    Re: A says:
    June 8th, 2012 at 3:13 pm

    They are not in Canada or the US so they do not have to follow our laws… We also do not have to take loans from them.

    A says:
    June 2nd, 2012 at 1:30 am

    I believe this is also illegal in the U.S. I do not know how they can get away with it other than they operate from an Indian Reservation.

  • Rating
    DM says:

    May 17th, 2012 at 9:05 pm

    They were very pleasant helping me get my loan. The interest was bearable given my situation of me working at the dollar store, they even extended my loan time for higher interest. Will do business again!!


    KEG says:
    June 14th, 2012 at 8:11 pm

    Uh… hello. It’s called sarcasm.

    dennis says:
    May 31st, 2012 at 3:07 pm

    omg what were you thinking good luck to you

    steve says:
    May 26th, 2012 at 12:40 am

    you must definitely work for western sky. get back to your desert.

    KWW says:
    May 21st, 2012 at 10:21 am

    Are you completely nuts?! There is a reason this type of lending is ILLEGAL in the United States. These “loans” are designed to force you to use them in perpetuity. Save your money and let interest work for you.

  • Rating
    David says:

    May 14th, 2012 at 7:39 pm

    Westernsky is a scam. I have had bad experiences with them. DO NOT TRY this place!!!


    vampiregyrl says:
    May 16th, 2012 at 8:16 pm


  • Rating
    AAZP says:

    May 14th, 2012 at 3:39 pm

    i was going to do this too… but nevermind not worth it for sure!!!! thanks

  • Mike says:

    May 14th, 2012 at 1:49 am

    John what bank did you borrow 7k from with a score in the 500’s? I know it was 6 years ago but minw was in the mid 600’s and they wouldnt give me 4k with out putting up my car.
    Let me know….thanks

  • Rating
    TERRY says:

    May 12th, 2012 at 12:31 pm

    These adds can be misleading, the small print is so small it can not be seen, and it changes so fast the common person is unable to read it. If it is to good to be true perhaps it is!

  • Rating
    Odie says:

    May 11th, 2012 at 10:27 pm

    Wow this is ridiculous I work for a bank,and have seen customers get money wired from western sky I feel really bad for them now that I seen what there gonna pay back. People just shouldn’t do it!!!!!


    Re: A says:
    June 8th, 2012 at 3:14 pm

    They are located on an Indian reservation which is NOT part of the US. So they do not have to follow our laws.

    A says:
    June 2nd, 2012 at 1:32 am

    So at the bank you work at is it legal for them to charge 89% interest on a loan??? I believe it is not. So how do they get away with it?

  • Rating
    I Care says:

    May 7th, 2012 at 8:23 pm

    This is a shame that this company is allowed to fleese people that may not be educated enough not to fall in this trap of a loan that could ruin them forever. Who would apply for this foolishness. The elderly, the desperate, or the poor. When did we stop caring about people


    telly says:
    June 30th, 2012 at 1:06 pm

    No its not about who is educated. When your in desperate need you will do anything……….The loan won’t ruin them……….Because predatory lending is illegal…since they are on an indian reservation they can do what they want.

  • Rating
    Reading and Laughing says:

    May 6th, 2012 at 10:49 am

    I think the whole thing is hilarious. We can’t get mad for signing off on something that is a rip off. The commercial makes me chuckle, and so should everyone else. Don’t sign…. On the dotted line… LOL!! Good Day everyone. I enjoyed the reading each post. LMBO!

  • Rating
    MRM says:

    May 5th, 2012 at 9:26 am

    People, I understand your thinking about how much to pay back the loan IF you keep it for the term. It puts everything right out in the open, tells you it is a high rate, etc, and then it is your choice if you know you can pay back within a couple of months, its a good fast remedy when you need the cash. I can’t believe so many people actually put people/companies down for being a service that can help out, not require payback in a short amount of time — its all up to you. As I said, if an emergency, needed and can be paid back with a short amount of time, it is a fantastic option. No one is twisting your arm..and then there are those with the oh, since they’re not regulated, then I just won’t pay it back. How said our ways have become…screw me (or look as if you are screwing me) and I will screw you! So sad..


    John says:
    May 7th, 2012 at 8:02 pm

    Sounds like MRM works for western sky, please correct me if i’m wrong. Their service if that’s what you’d like to call it isn’t helping anybody. I don’t see how any loan with an apr of 116% could do anything but harm. especially since their target consumer is somebody living paycheck to paycheck with bad credit. Cause if you had credit you can go to a bank and get a personal loan with a real apr most likely under 10% and if your not living paycheck to paycheck you don’t need a loan for 2grand. You shouldn’t have to pay a loan back in the first month for it to make sense. I’d also like to know what the prepayment penalty is like on one of these loans. I feel so bad for the person working paycheck to paycheck who gets sucked into one of these loans. Western sky is basically loading up a gun(with bad credit and debt for the rest of your life) and putting it to your head and pulling the trigger. I dont see any reason for somebody to get a loan like this. Western Sky is a disgusting company everybody who works for them should be ashamed of themselves. Yea western sky is out to help you,,,help them make their pockets fat. Last W.S. commercial i watched said we’ll loan you the money cause they trust you, yea they trust that you wont be able to pay it back so that they can sue you.

    Randy Sheehan says:
    May 7th, 2012 at 11:53 am

    BUT, if you borrow $5000, and pay it back at $468 per month for 84 months you will pay $40000! This is 10 times higher than loan shark rates. These people aren’t out to help you, only faten there wallets and make your already troubled financial cituation dramatically worse.

  • I'm thinking about it....... says:

    May 5th, 2012 at 12:54 am

    ok I know I’ll get approved for a 10k loan from western sky.
    I need the money NOW so that’s the only reason I am thinking about it.
    But I am 100% able to pay the loan off in less then 2 months.

    Do they still charge you interest rate for 84 months and make you pay monthly for the loan or will I just be paying the interest rate for those 2 months I borrowed the loan?

    I will ask them but wanted to know if you knew the answer


    Sergio says:
    June 28th, 2012 at 8:48 am

    In reply to John answer about going to a bank and getting a loan with bad credit is not easy at all. Ok I’ll be honest, i only went to one bank and thats MCU credit union since i do work for the city. Now here I am thinking it’ll give me an easy way to get a loan, and thank God my job is secured, so why wouldn’t they give me a loan and i’ve tried twice with them?
    Is there any other banks that are willing to give me a loan knowing that I have a secured job and its guaranteed payment to them no matter what?

    Paul says:
    May 17th, 2012 at 3:55 pm

    The question is NOT “what kind of drugs do you sell,” but “what kind of drugs do you TAKE???”

    Bstutz says:
    May 11th, 2012 at 11:48 am

    What kind of drugs do you sell?

    John says:
    May 7th, 2012 at 8:20 pm

    Dude why don’t you just go to a real bank? Most banks are willing to do personal loans for people for any reason and with not so good credit and you don’t have to worry about paying it off in 2 months. I got a personal loan about 6 years ago for like 7k monthly payments of like $214 with no prepay and my credit was in the 500rds. I dont see any reason to call these people, if you credit is that bad, get somebody to co-sign..anyway you cut it, it’s better then a 116% apr, dont do it to yourself

  • Rating
    Todd says:

    May 3rd, 2012 at 1:49 pm

    While I agree that the rates are high, how is this any worse than a mortgage. I borrowed 145,000 in 2002 from Chase at 5%. In 30 years i will have paid them 251,000. So, thats not much better.


    KWW says:
    May 21st, 2012 at 10:35 am

    Basic math my friend. Lets put this in context. Had you borrowed that 145,000.00 (I know W.S. doesn’t loan out that much) from Western Scam at their lowest 116% over 30 years, your monthly payment would equal $14,016.67 (not including taxes). Over the 30 year life of your loan you would eventually end up paying $5,046,000! That’s right 4.9 MILLION in interest!

    Although the $100K+ you will currently pay in interest seems extreme you have to realize you are borrowing substantially more for substantially longer. Interest simply adds up. If you don’t like how much you are going to end up paying; increase your monthly payment. This will save you money and reduce the life of your loan.

    John says:
    May 7th, 2012 at 8:25 pm

    Sounds like your in an adjustable rate loan. cause at 5% that doesn’t add up, you should of refinanced out of that about 8years ago.

    David says:
    May 4th, 2012 at 12:16 pm

    Jack your interest rate by about 115% and run that out your 30 years and I’ll bet you change your mind.

  • c.g says:

    April 29th, 2012 at 5:38 am

    as military we don’t pay the interest only principle


    Just Another Person says:
    July 2nd, 2012 at 9:02 pm

    Military do pay back interest on loans, but it cannot exceed a certain percentage. I’ve been reading over the reviews, mostly because I was thinking it was impossible that they charge you over 80% of interest on a $10,000 loan. Most states have usury laws, or usury limits. There are some states however that do not have usury laws, such as New Hampshire. I’m 24, and I have taken out a loan before out of needing fast cash. My initial loan was $4500.00 but ended up paying back nearly double what I borrowed. Thank God that the loan company I took my loan out with was local and a US company so that my payments were $112 a month. I’m not here to judge, it’s not my place, but I will lend some advice.. borrowing money isn’t a bad thing. In fact, unless you are able to buy a car, or a house flat out, you are borrowing in some kind of a loan form. Even using credit cards can be a form of borrowing. Just be responsible, check out their BBB ratings, or simply look them up on google to see some customer reviews. I don’t even purchase products anymore without first checking out the reviews on that product. It has saved me hundreds, if not thousands by avoiding junk products! Two more things.. short term loans with high interest rates are a scam within themselves. If you could pay off ten thousand dollars in 45 days, what the heck are you even doing getting this loan to begin with? Second, if they don’t have to follow by US laws, I’m wondering if you do decide to not pay this loan back if they are even able to report it on your credit. Considering that they probably are not recognized as being an actual company, seeing as how they are not from really anywhere. They don’t actually have a country of origin to claim from what I’ve been reading.

    LB says:
    June 7th, 2012 at 5:39 pm

    That is true if you get the money from an US company… but like Mike said this is not operated in the US, it is an independent nation not held to the laws of the USA. So Yes you would have to pay the interest too.

    Mike says:
    May 30th, 2012 at 12:31 pm

    This isn’t a US company, so you would be held liable for the interest as well.

  • Rating
    Sherri says:

    April 29th, 2012 at 1:18 am

    Yeah, I just happened across the commercial just this afternoon, and I scribbled the website address down so that I could check it out later online. After doing a little research, not to mention reading this article, NO THANKS. Keep it…lol

  • teeslady says:

    April 28th, 2012 at 10:47 am

    Oh this is awful! I almost called western sky out of desperation but after reading this, hell no! Thanks for the insight!

  • N/A says:

    April 27th, 2012 at 9:01 am

    I called for info and what the website fine print states is true. If you borrow 5,000 u would end up paying back a little over 40,000. You would make the least 486/mo for 84 months. I would think about it a billion times over before saying yes. I personally would never do it. I can buy a house with that kind of money.

  • Rating
    Derob says:

    April 27th, 2012 at 7:46 am


  • Venus says:

    April 23rd, 2012 at 4:52 pm

    I was considering but i am fast changing my mind ,guess i will try to forget about this.

  • Rating
    Dave says:

    April 23rd, 2012 at 9:07 am

    I haven’t read all 5 pages of this blog, but what happens if you don’t pay? Do state usury laws protect people, or are folks left high and dry with rates higher than a loan shark would charge (though admittedly a longer term, and less likely to involve a bat or gun)? Just curious – seems like they could be put out of business pretty quickly if a few dozen people take out loans then never make a payment.


    KWW says:
    May 21st, 2012 at 10:41 am

    Venus-Look at the terms! W.S. makes Citi look like a charitable organization.

    Venus says:
    April 23rd, 2012 at 4:42 pm

    they cannot be half as bad as citibank and supposedly they are governed by U.S. lending laws.

  • EM says:

    April 21st, 2012 at 3:54 pm

    Sadly mistaken if you think that they can’t steal your identity or commit identity fraud with just SSN. Know someone right now going through this, someone used SSN and file income tax return and now there is a hold on return. A few years ago some applied for all kinds of credit using my mother SSN, stole her identity.

  • Bob says:

    April 21st, 2012 at 3:22 pm

    People, it is as simple as “There ain’t no such thing as a free lunch.” The best way to put them out of business is to NOT USE THE SERVICE. Don’t scream for the government or “someone” to do something about it. JUST DO NOT USE THE “SERVICE” AND GO ABOUT YOUR BUSINESS.

  • JR says:

    April 21st, 2012 at 1:49 pm

    If you need to borrow the money, such as to pay bills, then how would you be able to pay back such a loan AND your other bills?

  • Bum says:

    April 20th, 2012 at 6:17 pm

    What if u don’t pay them back?


    Sign Me Up! says:
    April 21st, 2012 at 3:05 pm

    That’s exactly what I’m thinking. Since they are technically not a US entity, and I don’t have protection from them, does this mean they don’t have protection against me? Like, if they sue me for the money, would I be protected by my government? If so, sign me up, high interest rate and all, lol.

  • Rating
    jim says:

    April 17th, 2012 at 7:02 pm

    You have GOT to be kidding me!!!!! Borrow 5,000 and pay back near 40,000??? Ya right!!!

  • Rating
    Mo says:

    April 16th, 2012 at 6:29 pm

    You may not think it is fair but if you don’t read the fine print and agree to take their money, that’s your problem. Don’t blame the folks that came up with it. I know the economy is in the tank. Hell, I have been out of work for over a year but I am still not that desperate.

  • adam says:

    April 16th, 2012 at 12:37 pm

    If you have no protection from them, then they don’t have any either. Just don’t pay them back.


    Alan says:
    May 4th, 2012 at 8:03 pm

    I’m sure they are protected against those that do not pay back. It may not be anything with the government, but it is something I would not want to test. I do’t want a call from their collection agents.

    Not a loan company for me.

  • Rating
    Needy but not Stupid says:

    April 14th, 2012 at 11:58 am

    thank everyone for your in put, i will not use western sky!!! this is wrong, for them to take people money like that.. my good people lets pray and ask God THE ALL MIGHTY to help us and just hang in there some will come along better than this ABSURD and RIDICULOUS company…

    needy but not STUPID


    needy too but not stupid says:
    April 22nd, 2012 at 10:20 am

    Totally agree with you on that!

    funny says:
    April 22nd, 2012 at 6:47 am

    Now theres a solution maybe the Catholic Church will sell some of its art work and help humanity.

  • Rating
    Cindy says:

    April 14th, 2012 at 3:34 am

    These Crooks should be put in Jail!!


    Zach says:
    April 24th, 2012 at 5:00 pm

    Why? they aren’t doing anything wrong or illegal. they aren’t stealing anything. anyone who barrows their money has to agree to the terms of repayment before hand. and if they don’t read the fine print before they agree to the terms thats their own fault. don’t claim the guy that cooked the turd when you’re the one who decided to eat it.

  • Rating
    Not stupid says:

    April 12th, 2012 at 1:46 am

    Massive rip off do not borrow from them 5000 you borrow you pay back almost 40,000 that’s right 40,000 they should be ashamed ofthem selves

  • Rating
    Constance says:

    April 10th, 2012 at 7:33 pm

    Really needed a loaner but after reading this I dont think so. Reading their interest rates is outrageous! So glad I browsed the net first

  • Rating
    Tee says:

    April 9th, 2012 at 5:59 pm

    Western Sky was a God-Send for me after I had a car accident. The people are friendly. This type of loan is one that you take ONLY if you have a plan to pay it back in a lump sum rather quickly. I took the loan knowing that I was 30 days away from my end of year bonus. I paid in full, and life was good!


    Not stupid says:
    April 12th, 2012 at 1:56 am

    The Feds are after them now. There going after the sole owner of western sky. It is not the reservation it’s a sole owner using the res for this rip off

  • JerseyMike says:

    April 7th, 2012 at 11:57 am

    I’ve heard that since Westernsky operates in an “independent nation” of the reservation that they have no means of using Federal law to force you to repay.

  • Rating
    Loan App - Don't Do It says:

    April 5th, 2012 at 1:13 pm

    Ok, so submitted for a loan and approved no different than payday folks other than Western Sky (SKY-HIGH) rates. Ok… so needing the money… (better to wait) went forward and they started to fund the loan however, because I use two different checking accounts they determine what account. At an SKY-HIGH rate they should be more flexible about what account they try to deposit to… so Spoke with Chris a Sup. of Cash-Cow and this is their rules and I think this is stupid so I stop the funding keep your money. Not to mention they get rude when you want to cancel. Sorry I will keep my money and not pay you 60% of the next person’s loan. So fyi folks before taking a loan out from these loan sharks keep in mind your 60% funding the next loan and if you go the full duration of the loan in repayments you will pay easily ((2-8 * (original loan amount)) = To Damn Much. Please avoid!!!!

  • Rating
    Anonymous says:

    April 4th, 2012 at 4:56 pm

    Well, finally native Americans are getting some kind of compensation from “the man”, casino money was the first step, after centuries of false promises and broken treaties, i congratulate the opportunities sovereignty has allotted for us natives, and costa rica, yet (they) still have something to complain about, the same laws govern other payday loans establishments off the reservation as well, owned by other races.. I give two thumbs up, loan the money!!


    Blackberry says:
    June 2nd, 2012 at 12:49 am

    You sound crazy anonymous and that’s why u used that as ur name just because their the same race as u that’s jus dumb that’s what’s wrong with people in the world now. Take the loan if u need it and can pay it back but if you can’t don’t take it. And if u feel u want to take the loan and not pay it back then do that and deal with what comes after that. Get it how u live…

    Danno says:
    April 14th, 2012 at 1:39 pm

    This isnt making money from “the Man”. This is ripping off people who are desperate in the first place. Utterly shameful. The guy who runs this scam uses native reservations, but isnt Sioux himself.

    wtf says:
    April 13th, 2012 at 9:57 pm

    40,000 for a $5000 loan? C’mon man…

  • Rating
    Nic Nac says:

    April 2nd, 2012 at 7:23 pm

    This is Crap!!! Somebody shut them down…


    no one says:
    April 21st, 2012 at 1:52 am

    LOL Amen

  • Rating
    beware says:

    March 30th, 2012 at 5:44 pm

    the most rediculous thing ever heard of 40,000$ for a 5,000$ loan this ponzi scheme is one that definitely has to absolutely be closed down!


    no one says:
    April 21st, 2012 at 1:52 am

    How else are they going to pay for there national advertising spots?

  • PeZ says:

    March 30th, 2012 at 1:09 pm

    I did watch the commercial on tv and I want it to start a small bussines, being the economy the way it is right now, I touhg that maybe I could do this, but thank God for the Internet, because I said let me just go online and see what people is saying about this out there, and it all make sense to me, I will never go to western Sky or any other bogus company like that, I will try and make it throug the local bank or credit union, Thank you everybody for your wise and inteligent coments.


    AuntieM says:
    February 24th, 2013 at 7:22 pm

    Godschild, the reason no one is speaking against other payday loan or title loan companies is because this blog is about Western Sky, SPECIFICALLY – now get off the race train and try to keep up.

    Get Over Yourself says:
    August 16th, 2012 at 10:26 am

    Godschild, I am only going to say this once. People like you are one of the true reasons ignorance of race still exists. Had you done your research, you would know that it was actually the more powerful tribes in Africa that would capture less powerful tribes & turn around & sell them to “The White Man”. So blame your ancestors in The Motherland! In essence what you are saying is that because of the treatment of “your people” & Native Americans hundreds of years ago, this entitles you to be immoral & be a thief? Every person has a duty to be a responsible, productive member of society with morals. All of which has obviously passed you by. Quit pulling the race card & for someone who is so indignant about the past, you sure keep telling people to judge one another based on character & not skin color. Does this only apply if you are an African American? Oh and for the record, I am African American. Get off your pity-potty & do something constructive with all the words you choose to spread so vehemently.

    fedfup says:
    July 9th, 2012 at 8:46 am

    godschild – I am SO sick of skin color being an excuse for bad behavior! Whether Native American, African American or Irish American, you are responsible for your own actions. Western Sky shouldn’t get away with what they do because the “white man” exploited the Indians. No matter what color you are, or how your ancestors (people you never knew) were treated, you have a responsibility to function in society! Get off the welfare train, quit blaming old white men on your problems, pull your baggy ass pants up, and get a job! If you are oppressed, it’s because you are too busy whining to actually accomplish something!

    godschild says:
    April 26th, 2012 at 7:31 pm

    It seems that most of your problems are due to the fact that the company is owned and run by a Native American. I don’t hear any negative feedback on all the American-European payday loan companies or the Title loan companies that are ripping people off on a daily basis and causing people to lose their cars, because of their high interest rates.

    Come on people I hope you don’t decide to vote the same way!! Rather be fair and conduct research on a persons character and integrity before you make your final decision. At least Western Sky tells you up front that they are costly, do the other loan companies tell you the truth or do you find out after you get that first bill? Why do you think the government is now monitoring the white-owned loan companies?? For the very same reasons you say Western Sky should be closed down. All I ask is that we learn to conduct our research, rather than just jump in and agree with everyone else’s comments, negative or positive.

    And NO I am not a Native American, I am an African American, and we deserve the same GOD given opportunities and respect as the rest of our American sisters and brothers. Heck the Native American deserves it more than any of the rest of us Americans, because contrary to popular belief, Columbus did not discover America.

    Rather your founding fathers, came to America, killed Indian men, women and children,stole their land, and continue to this very day to break the many promises they made to them. AND all of this took place after your ancestors took over one of the greatest continents in the world, Africa. Your founding fathers subjected my people to 400 years of abuse, hatred, torture, slavery, and you all continue to do so even to this very day.

    It is time to stop the discrimination based on the color of ones skin, and it is time to judge people, and their businesses based on the facts. It is obvious to me, that most of you really don’t know your own history, based on your comments, it appears, that you are simply following the crowd who obviously has a bias against Native and African Americans.

    If you conduct research, and historical facts, you will see that it was your ancestors who, are the savages. They were murderers, liars, and thieves,and because of their horrendous acts, I have no knowledge of my ancestral heritage. I am African American, because my history is from African, but because of what your ancestors stole, I am just as much American as you are, and because they were here first, and Columbus cannot discover something that already exists, Native Americans are even more American than any of us are.

    So can we all accept the fact that we are all Americans. We, Native and African Americans have had to adjust to the lifestyle handed down to us, by white America. While it was unfair life we have tried to move on, we hold no contempt, even though we have every right to.

    It is 2012, and white america still acts as if we are the problem. We are not. So if I ask that we stop the discrimination based on the color of ones skin, and voice our opinions based on facts, and for all my white american sister and brother’s,forget what you have been told, about us, and please conduct your own research. You will find that African and Native Americans are peaceful people, and we keep our word.

    You will also learn that each and every time we stood up against oppression of any kind, it was due to who was running this country at any given time,i.e. (Abraham Lincoln and the Emancipation Proclamation) and/or Reagan and the Bush administrations, with that dang gone Reagonomics. It is 2012 and I can tell you I for one as an African American will not vote for Romney, not because he is white but because of the content of his character. He says things like we want to take America back to where it was. To me it means forget the poor and oppressed that his forefathers made, and continue the discrimination and abuse.

    It is time to stop this madness, and hatred, especially since white american’s are the ones who started the whole thing. Do not vote as you responded to this post, but vote based on the content of the persons character and not the color of his skin.

  • Nick says:

    March 29th, 2012 at 11:34 pm

    I applied for a loan without knowing all of the details as I was in a bad situation and needed the money (for expensive car repairs). I was approved but once I found out the repayment terms, $500 a month payment for 84 months on a 5K loan, I said forget it.

    I was called daily, sometimes several times a day, and pressured into taking this loan. I stood my ground and refused. After several weeks of daily harassment, they sent me a letter stating my loan application was denied and they would report it to the credit bureau.

    They are a sleazy, predatory company and if you don’t cave in to their scam loan they intentionally decline the same loan they initially approved you on. I firmly believe in Karma and know they will get thiers one day.

  • Rating
    Grandma Dreads says:

    March 29th, 2012 at 12:49 pm

    I can see why the Tribe itself wants nothing to do with it and has a disclaimer. This lady is giving her tribe a bad reputation.

  • Rating
    HNM says:

    March 27th, 2012 at 10:30 am

    I can’t believe they can operate the way they do. I saw their commercial and thought maybe I could borrow. I knew it would be alot to pay back, but it was ridiculous. I was approved for $850 but when it came to sign the paperwork, it was going to be $500 deposited in my account after all the fees and in the end $1800 would be paid back. That’s ridiculous. I cant believe they can get away for that. I feel bad for anyone that does the loan.

  • Rating
    Me says:

    March 25th, 2012 at 3:34 pm

    Don’t fall for it…


    no one says:
    April 21st, 2012 at 1:54 am

    yep…when you say “wait a minute you charge 40000 for 5000…they hang up on you! lol

    penelope says says:
    March 29th, 2012 at 2:14 pm

    i called just to get some info and they told me hang on and never returned to the phone so i went on line and was told that New York is not eligible THATS GOOD CAUSE I WAS NOT GOING TO GIVE OUT ANY INFO I GOT RIPPED OFF IN THE PAST BY A BOGUS COMPANY I agree with this ME says DONT FALL FOR IT THEY NEED TO BE TURNED INTO THE BETTER BUSINESS BEAURA IM SO GLAD THAT NEW YORK IS NOT ON THERE LIST AMEN TO THAT

  • Rating
    rc says:

    March 22nd, 2012 at 2:54 pm

    they will loan money then conveniently not be around to talk to you about changing information.

  • Rating
    K.Lynn says:

    March 17th, 2012 at 1:20 pm

    I tried to take out a loan about a year ago. I called in and was turned down immediately. They did send out a correspondence letter shortly after thanking me for applying. I’m so glad they turned me down! I believe that the people on the reservation are being used by some non-Native American person(s).


    J. Lo says:
    May 30th, 2012 at 11:46 am

    Why did they turn you down?

  • Rating
    George Walters says:

    March 16th, 2012 at 11:20 pm

    What rights would you have in a tribal court against a member of that tribe? Absolutely none. In fact, the tribal council very likely is made up of relatives of the company. If you don’t pay on your loan, you literally could lose your house, your car, everything you own or ever will own, and the U.S. courts would be obliged to help the tribal court take you to bits. Bankruptcy? Not unless the tribal court allows it (which they wouldn’t). Remember, they’re a sovereign nation.

  • Rating
    Christina says:

    March 15th, 2012 at 10:22 am

    These commercials irritate the heck out of me. It’s predatory loan sharking at best. Understood that Western Sky is not governed by US State Laws intended to protect borrowers from extreme APRs and payback schedules… but why aren’t their provisions in place governing what television stations operated in the US can air or profit from in terms of advertisements intended to mislead or cause harm? It should not be legal for a “US Based Company” to advertise and promote services that are clearly in direct contradiction of “US Based Laws” that have been put in place to protect the general public. I’m a very concerned citizen and would like to know what I can do to stop this. Who would I write to? If anyone knows, I would like to know.

    “In the US, individual states have laws that govern payday loan companies and are meant to protect the borrowers from extreme APRs and unrealistic payback schedules.

    In the past when Reviewopedia has reviewed online payday loan companies, I have pointed out that borrowing from an online company that is based in another state may make it difficult for your state laws to protect you from predatory lending practices.

    In the case of Western Sky, this is further complicated by the fact that Western Sky is based in the Cheyenne River Sioux Reservation, which acts as an independent nation within the US, meaning that you could potentially have no protection from them at all.”

  • Rating
    Kevin W says:

    March 13th, 2012 at 4:43 pm

    people the only reason you should ever take a loan like this is if you ill be able to pay it back within one month of borrowing this money. Unlike credit cards where you can ride something out for a year and not be charged an OUTRAGEOUS sum of money, you must urgently need this money and know for certain that withing a very short amount of time that you will be able to pay back the whole loan within a very short amount of time. for example if you borrow 2 grand make sure that you are going to have whatever you need that 2 grand for, and the 2 grand you were loaned. If not then you will end up paying 40,000 for 5 grand.


    James says:
    April 10th, 2012 at 1:21 am

    Agreed Cheryl, very well put!

    Cheryl says:
    March 15th, 2012 at 5:52 pm

    I disagree. If you have the means to come up with an extra $2000 cash within a month, then you don’t need a $2000 loan ‘like this’. You may need quick access to funds but you could use a credit card or take out a loan with a more reasonable interest rate. The only reason why someone would need a $2000 loan ‘like this’ would be if they couldn’t use a credit card or take out a loan with a more reasonable interest rate. The only reason why someone couldn’t use a credit card or take out a loan with a more reasonable interest rate is because they’ve already maxed out their credit or have terrible credit as a result of not being able to pay off debt. If you’ve already maxed out your credit or are unable to pay off debt, you’re not a person who can come up with an extra $2000 cash within a month. You would be someone who needs real help in the form of credit counseling.

  • Rating
    distugusted says:

    March 13th, 2012 at 3:01 pm

    I have been trying to complete the loan with Western Sky and now all of a sudden the wiring process is the cause that the money has not hit my account yet. I was expecting the money to be there for something very urgent that I needed and it is not there and I keep getting the run around. I am about ready to cancel my request since nothing has hit my account and ride my urgent situation out. I will never do this again, also closing my bank account since they have it already.


    Schelle says:
    April 6th, 2012 at 4:48 pm

    What is the site?

    Bank help! says:
    March 13th, 2012 at 10:59 pm

    Go to US bank and get a unsecured loan there. So much cheaper!!!!

  • Rating
    Tommy says:

    March 13th, 2012 at 1:17 am

    I called to get a thousand bucks and ended up with their 2500$ loan. I was able to make a big payment right away and pay the rest off in less than a few months without paying the 14,000 on the website. worked out for me and the interest rates we’re a lot better than a payday loan. I got to take care of my stupid car situation in no time


    JM says:
    March 30th, 2012 at 5:18 pm

    LOL yeah right “Tommy”

    Argus says:
    March 20th, 2012 at 8:26 pm

    Nice try IDIOT…..You work for the company, stop stealing money from the poor….

  • jim says:

    March 12th, 2012 at 2:19 pm

    That is a stupid **remark**!! “Just take as much money as you can because it’s free money”. All loans have to be paid back regardless where the money came from.

  • Jennifer says:

    March 9th, 2012 at 8:57 pm

    WHAT do I do??? I was a dummy and needed some quick cash, I applied for a loan and got approved for $1,000!! I so wished I did not do this after reading all of the complaints. Sp now my hours have been cut at work, and I can not make the monthly payments.. What do I do? The good news is that I closed my bank account that they had to debit my account with, and they do not have the new one.

    PLEASE any advice would be appreciated.. (and yes I know I was a dumb ass for getting into this)



    KB says:
    May 3rd, 2012 at 11:33 pm

    And, you are not a dumbass. No one is because many, not all, companies really are marketing in such a way that you will take their bait. I studied marketing and it really is all about knowing everything about consumers…that’s you and I…so that it will be very difficult or even impossible to refuse. For you, it could be related to a need, maybe to a desire to be entertained or another more “you-involved” reason. Whatever the reason, say no next time and either do without it or find a way to get what you are looking for in a legal and honest manner.

    KB says:
    May 3rd, 2012 at 11:11 pm

    You could always seek bankruptcy, have bad credit for seven to ten years, and cut all of the debts that you can in order to start over. You may want to think about buying a parcel of land real cheap and paying it off as soon as you possibly can. There are a lot of land brokers out there that take small downs and small monthly payments, from Oregon on over to Arkansas. And, there are ways of earning enough money to pay yearly property taxes and give you a little extra to get by on and pay for some things. Also, if you cannot get a bank loan, you need to stay away from those whom are seeking a reward out of their lust and greed for money…using you to get what they want…stupid smart sharks! Most of them will sound like they want to help you and are very giving but, behind the scenes, they are only waiting to check their bank accounts to see how full and fat they are. The more personal and catered companies make it for people, the likelier they are to get what they want ($).

    JM says:
    March 30th, 2012 at 5:21 pm

    Probably better to risk committing fraud than paying their outrageous interest rates. My suggestion? Time for you to move to Mexico!

    Cheryl says:
    March 15th, 2012 at 7:06 pm

    Correct me if I’m wrong but my understanding is that fraud would be if Jennifer gave false or intentionally misleading information in order to be approved for her loan. Closing the account because she’s no longer able to make the payment may cause her to go into default with the lender but isn’t necessarily fraud unless it can be proven that she never intended to repay the loan at all.

    Jennifer, some state laws do allow for prosecution if you close your bank account but that is usually in the case of fraud. I agree with HB and suggest you contact a debt counseling office in your local area for more information and assistance.

    On a side note, some banks have a policy that allows them to force open closed accounts in order to process ACH transactions that may come through. If this happens, you then owe THE BANK those monies that were withdrawn from your closed account. If your bank has such a policy, the only way to stop monies from being withdrawn is by requesting that they put your account on deposit only, an ACH block or a hard hold. I am NOT suggesting you do this, I’m just pointing out that your closed account may be accruing a negative balance and you should be aware of that. Go seek help in the form of a reputable debt counseling office and best of luck!!

    DG says:
    March 15th, 2012 at 1:35 am

    By closing your old account you have committed fraud. If Western Sky can prove that you received and spent there money and deliberately closed your account after not being able to make payments, they can definitely sue you or worst press charges. This is a serious matter, do not ignore. Try to contact them and settle the dept. Remember they have your personal info and will do what ever it takes to get there money.

    HB says:
    March 12th, 2012 at 3:42 pm

    Suggest you contact a debt counseling office in your local area. Many of these operate as taxpayer funded entities and so the cost to you for their services and advice is small … but also be advised that some of these “credit counseling/consolidation” companies actually work for the people you owe money to …

    I hope you learned your lesson …

  • Rating
    Jason says:

    March 9th, 2012 at 11:19 am

    I have never dealt with a payday advance company. But after the commercials I did a lot of research on Western Sky. It is a total scam! They will give you the money, but you are completely unprotected by any state or government agency because they operate from an Indian reservation. No matter how bad things get, there is NO WAY IN HELL I would pay $40000 for a $5000 loan! Hit your 401k or something if you need money. Anything would be better than giving business to a money hungry company like Western Sky.


    Apothem says:
    March 16th, 2012 at 1:27 am

    I agree. However, I’m going to take a wild guess that Western Sky’s target audience doesn’t have 401(k) and IRA’s.

  • Rating
    Joe says:

    March 7th, 2012 at 6:02 pm

    Okay lets look at this in it’s entirety people! There can very well be a penalty for not paying back loans from Western Sky Financial. Basically what’s going on here is that the tag team is using the Indian Reservation to avoid usury laws in every state of the country. Part of the “Western Sky” agreement contains a clause in which the borrower waives all rights to a trial, any lawsuits, or any form of court hearings/decisions regarding the loan. So you sign up with Western Sky who is legally allowed to pounce on you with these high rates; all the while hoping you don’t see the rights that you’re giving up. THEN .. 3 days later they sell your agreement to a U.S. based firm, Cash Call, complete with rights signed away which would give them the ability to run you down legally if you don’t pay. And YES you can be incarcerated for passing bad checks; which is essentially how the repayments are structured. Anything is better than this scam! I’ve never attempted this or any payday loan service but since I’ve been seeing their commercials pop up everywhere curiosity got the best of me and I decided to do some reading. …

    NOW … Here is a thought. According to “Western Sky” any borrower can reject the arbitration clause that strips all of your rights away by informing them IN WRITING within 60 days of the loan close. WHAT IF?? The borrower included in that letter a statement that read: “no transfer of debt or loan will be recognized by the borrower; and borrower only enters into agreement with Western Sky Financial solely; holding of this loan by any other organization or firm will void loan agreement.”

    Since the terms for Western Sky clearly state that NO U.S. federal or state laws shall apply to the loan agreement nor do they make mention of consenting to another company or having the debt sold. My thought process is that if you include that statement on your arbitration rejection letter could their hands be tied? Could you then in fact take out a loan, close the account and say “go pound sand” you sold the loan and I didn’t consent to that? Thoughts anyone?


    DeeDee says:
    March 26th, 2012 at 10:40 pm

    Just an FYI…The FTC filed action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers’ wages has agreed to stop the challenged conduct pending trial. On September 6, 2011, the FTC filed a complaint for permanent injunction and other equitable relief in US District Court, District of South Dakota, Central Division, that alleges that Payday Financial, LLC, doing business as Lakota Cash and Big Sky Cash, along with other defendants, including Western Sky illegally attempted to garnish consumers’ wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers’ supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges.

    According to the FTC, defendant Martin A. Webb operates Payday Financial, LLC, and several related businesses in Timber Lake, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of $300 to $2,525 to consumers throughout the country, advertising on television and through websites such as http://www.bigskycash.com and http://www.westernsky.com

    The FTC complaint alleges that when a consumer does not pay back a payday loan on time, the defendants send documents to his or her employer that mimic those used by federal agencies collecting debts owed to the government in an attempt to garnish the consumer’s wages. Under federal law, the government can directly require employers to garnish wages for debts it is owed without a court order. But private creditors must obtain a court order before garnishing a debtor’s wages. The complaint charges the defendants with violating the FTC Act by: ◦ misrepresenting to employers that the defendants are legally authorized to garnish an employee’s wages, without first obtaining a court order; ◦falsely representing to employers that the defendants have notified consumers about the pending garnishment and have given them an opportunity to dispute the debt; and ◦unfairly disclosing the existence and the amounts of consumers’ supposed debts to employers and co-workers without the consumers’ knowledge or consent.
    The complaint further alleges that the defendants have violated the FTC’s Credit Practices Rule by requiring consumers taking out payday loans to consent to have wages taken directly out of their paychecks in the event of a default, and have violated the Electronic Funds Transfer Act and Regulation E by requiring authorization for electronic payments from their bank account as a condition of obtaining payday loans.

    The Commission vote authorizing the staff to file the complaint was 5-0. The FTC filed the complaint and a request for preliminary relief in the U.S. District Court for the District of South Dakota, Central Division on September 6, 2011. The complaint names as defendants Payday Financial, LLC, Great Sky Finance, LLC, Western Sky Financial, LLC, Red Stone Financial, LLC, Financial Solutions, LLC, Management Systems, LLC, 24-7 Cash Direct, LLC, Red River Ventures, LLC, High Country Ventures, LLC, and Martin Webb. On September 7, 2011, the parties agreed to a stipulated preliminary injunction to immediately halt the alleged unlawful conduct, and the court accepted and entered the stipulated preliminary injunction. The FTC would like to acknowledge the assistance of the South Dakota U.S. Attorney’s Office.

    This case is pending. For updates or further details concerning this case, please contact the Federal Trade Commission.

    These people can say what they want, but when they break the law, the feds will come after them. Both the state and federal attorney generals need to hear about anything you think is illegal as well also. Cash call is next. They are telling clients that they are indian/native american and that they can raise the interest rates whenever they want. It’s only a matter of time. Record every single conversation and keep every email. These people are overconfident and stupid. The ftc caught them falsifying wage garnishment documents—they were making them look like they came from the irs. Not good. Western sky is a bunch of crooks. Watch out… I’ve caught scammers falsifying court documents (stamped with docket numbers).

    CREDITOR says:
    March 9th, 2012 at 4:02 pm

    If you include a statement that purports to “void” the agreement upon some action by the parties the ENTIRE agreement would be void–including the part where Western Sky agreed to tender the loan. Thus you would have to give the money back. Keeping the money would act as a waiver of your attempt to “void” the agreement. You cant cancel just one half of a contract and plot to get a windfall.

    Joe says:
    March 7th, 2012 at 6:05 pm

    I forgot to mention that if you did take out a loan through Western Sky make sure to have your letter of arbitration rejection NOTARIZED the same DATE as your loan was taken out and send it certified. … I’m thinking that since Western Sky explicitly circumvents ANY federal or state laws governing the loan that should you default the sword becomes double edged; not only can YOU not seek state or federal assistance but neither can they! .. Unless Western Sky wants to send tribal members to your door to get the money they’re beat .. and even then .. trespass them!

  • Rating
    Stephanie says:

    March 7th, 2012 at 3:21 pm

    Ok, so let me explain my reasoning for even considering a loan through not just WesternSky or anyone else for that matter.

    My husband is out of work waiting for disability because he can’t work.. Dr’s have told him that if he does then there is a 98% that he can paralyze himself (he has slipped discs in his back, had neck surgery a year ago, and has no feeling or movement in his left arm).. in the meantime, Disability has denied him twice. Now we have a lawyer involved however they tell us it could take up to 3 year for approval. We are going into our second year of waiting for something to happened. Yes, we know this is no guarantee that he will be approved however we will will deal with that as it comes and there are other options after this…

    In the meantime, I am the only one working. My husband does little things to earn money like give blood, helping family do small stuff like taking care of our niece/ nephew but those little things don’t pay all of our bills and with his condition there is not a lot he can do. We have cut corners as far as we can but we still have problems. We have talked numerous times about forgetting about his disability but do we really want to take a chance that he will become paralyzed by doing anything extra? No, I don’t think so!

    Last week, I received a garnishment from a company that didn’t want to wait for a measly $100 payment each week, so instead they will garnish anywhere from $300-500 (depends on what I make each pay period). This will ONLY last 7 months… This will leave us about a grand total of $1000 a month to pay bills. That is not including a $800 rent, food, and utilities that I couldn’t cut corners on. We have sold most of our furniture to make payments on stuff, but it’s just not enough. I have another part time job that unfortunately is just that… part time and when they need me. I’d be happy to work 3 jobs if I thought it at all possible but well, it’s just not!

    All of that being said, we were going to attempt this (thinking it would be short term and we are getting taxes back so we could pay what we borrowed anyway once we revived our refund)but looking at all of the comments on here and on BBB, I think I will skip this. I don’t want to ad anymore headache to the ones I already have and I don’t want to get in debt with a company that will just take me for everything I have anyway.

    To those of you that said that people who are unemployed and are (basically) irresponsible, scum, not wanting to pay our bills, that are the ones who want to use this service… you are wrong. Not all people are like that. They (like my family) are just struggling because of circumstances beyond our control. We have done all we can, taken steps to ensure that our bills are paid but truth be told, when things happen, and you need help, most of us try to pay those people back but stuff happens. In my opinion, those of you that make dumb comments like that, are probably those people you are describing!!

    All in all, this company just sounds like a fraud and someone I don’t want to do business with… so thank you to those smart and knowledgeable people who have give constructive and useful advice… I appreciate it. You have probably saved my family from some more hassles that I don’t want or need!


    been there... says:
    April 18th, 2012 at 1:07 pm

    My husband and I went through something similar. Only my husband had a stroke and was left paralyzed on his left side. It took us 3 years to get him disability. We finally retained a company owned by an individual who used to work for social security/disability. His first and most important suggestion was to write our elected representatives, both congressman and senator. Within 3 months my husband was approved. Hope this info helps. Keep the faith, there is a light at the end of the tunnel.

    sherry says:
    March 26th, 2012 at 6:55 pm


    My sister was certified by 3 doctor’s fully disabled in the state of CA. Disability kept denying her..she got an attorney..well that was taking to long…her heart is working at 9 percent…she wrote every state legislator, every congressman, and anybody else she could…keep writing them..she was approved within a month or so after she started the writing and they are going back to 2007 and paying her…good luck, her and her husband are in the same financial situation as you and yours.

    alice says:
    March 15th, 2012 at 9:35 am


    Rest assured everyone does not form such harsh opinions of others. After all “there but for the grace of God go I.” Also, remember my 2 favorite sayings: “This too shall pass” & “Sticks & stones can break my bones but words can never hurt me.” Best of luck to you & your family and don’t let others’ opinions get you down.

    joe says:
    March 12th, 2012 at 8:57 pm

    Good luck hope things turn around for you folks!

  • scramx says:

    March 7th, 2012 at 8:55 am

    With them being a sovereign nation outside the US if you never paid them back would there even be anything they could do to you? If they fall out of US law would they even be able to send you to collections? Couldn’t you just close the checking account once they deposit the money and they would have no way to collect at all?


    CREDITOR says:
    March 9th, 2012 at 4:07 pm

    They can sell the contract to a US company to enforce or they can get a tribal judgment against you and register it in your state as a foreign judgment to be enforced against you. There could be no international commerce if inter-sovereign contracts could not be enforced.

  • Rating
    YKJ says:

    March 4th, 2012 at 4:17 am

    Yes it is a SCAM!!!!


    Joe says:
    March 5th, 2012 at 11:01 pm

    5000 dollars with a payback of 40,000 in 84 months.

  • jenny says:

    February 29th, 2012 at 12:58 pm

    i was going to but not after these comments forget you western sky

  • Rating
    tiishirv says:

    February 27th, 2012 at 3:16 pm

    So what I have learned is this and read carefully… by the laws and consumer protection acts when a loan company gives a loan and then sells your loan to another and that company does not issue a privacy act to the consumer or get a new signature with their loan terms then the original loan agreement becomes nul and void. The new loan company that the loan was sold to has to have your written consent to their policies and therefore can be held liable in the state courts for theft and fraud. If they withdraw anything from your account without your permission. So previous statement from robert and scott are true that it then becomes free money. Western sky tries to make it sound horrifying about tribal laws when in all reality they sell your loan to a non tribal company….. think about it!


    CREDITOR says:
    March 9th, 2012 at 4:11 pm

    The above is not true. Poster is combining various fragments of consumer law with rules that only apply to “financial institutions” which is a legal definition. Not all debt buyers are financial institutions by definition. Trust this to your detriment. Consult an attorney. Too bad so many people on this site are trying to find a way to get “free money”. This loan is a bad business deal for the borrower unless you need the money for 30 days or less…end of story.

  • Rating
    Martha Eaglebear says:

    February 26th, 2012 at 1:46 pm

    I too am Native American(Oglalla Sioux). Out of curiosity I tried to get pre-qualified and Thank God, they turned me down. I have poor credit and they turned me down flat! I am sooo greatful! I now know that I don’t have to worry about my own people ripping me off but that they outsource the misery. If you have poor credit don’t bother either.
    They don’t even have the nerve to put call centers on reservations where they at least speak and understand English clearly. Young Native Americans are being disserviced by their own kind. Everyone should already know that most of the smaller tribes live below the national poverty rates and would be greatful to have even this kind of job.
    I know there are a lot of people coming up short these days and it seems like the vultures are always hanging around. Not all people who have tried payday loans are stupid, they’re just a little desperate and cornered by life. I you use them, manage them wisely.
    If you owe them and they are threatening you, contact your state attorney general and file a complaint. Most of all let them all know up front that you are well versed in consumer protection rights and that if they continue to harass you, you will be seeing them in court first. There is no reason to argue back because most of them aren’t on US soil anyway.
    I will pray for everyone and this great country we call home!


    Heather says:
    April 8th, 2012 at 10:35 am

    My brother in law is a very successful man, working for tribal housing for his tribe. I have watched his family succumb to addiction, mishandling of funds, and unemployment/underemployment. When I saw this commercial my heart broke for his people because they are set up to kick people when they are down. Much like the payday loan places that are marketed towards young military, this company offers “hope” to someone while they are down. Offering “quick cash” through a tough time. Unfortunately, all this is doing is making tough times tougher, and lean times leaner. What a blessing you were denied, hopefully God will bless you in a way that won’t harm you like this company would.

  • simon philips says:

    February 25th, 2012 at 2:51 am

    Loan offer @ 2percent rate


    scooter says:
    July 31st, 2012 at 9:21 pm

    personal loans?

  • SIK-NIK says:

    February 22nd, 2012 at 5:26 pm

    I can’t believe someone would borrow $5000 and payback $40,000, that’s crazy! Then they use Indians as a front, how much worse can it get? If anyone is that desperate for money just get an extra job. This is NOT the way to bail yourself out!

  • Frank says:

    February 18th, 2012 at 12:54 pm

    So I went as far as putting in my info including SSN but I didnt fax them my drivers license or pay stub. Do I have to worry about identity fraud from them knowing my SSN


    Ted says:
    March 12th, 2012 at 5:28 pm

    Damn I did too! I gave them bastards my ssn

  • Rating
    GNOTE says:

    February 17th, 2012 at 4:59 pm

    Heres one for everybody, now just because you fill out an application now you owe them according to this guy that told me they were going to have me arrested for fraud. I called my bank to verify no deposits were in fact made, which were true NO DEPOSITS MADE! Please help me in calling this thug…


    Jessica says:
    March 21st, 2012 at 3:27 am

    GNOTE: PLEASE be careful with what you say to these people and the info you give out. A friend of mine had a loan, these people kept harassing her telling her the cops were going to be at her house in the morning, threatened to have her child taken away, told her if she couldn’t pay it back, she was a loser, and ripped her apart. In the end, they had her SO terrified that she gave them her cc info, and approved them to take 356 dollars. They cleared out her bank account to the tune of 900 dollars. She contacted her bank and came to find out that homeland security is involved with this company. It’s a fraud!! Doug is correct, you can’t go to jail for debts, but that’s exactly what these crazies threaten you with, hoping that you’re a dummy and give them the info they need. Call the FTC right away and report what has been said to you, how often, and by whom they claim to be. That’s what my friend had to do. She will never see that money again, I hope you aren’t as unlucky. Please call them ASAP. It’s the Federal Trade Commission. DO NOT let these criminals intimidate you into giving ANY of your info out. I hope this will help. Learn from anothers mistake.

    doug says:
    March 1st, 2012 at 3:20 pm

    you cannot be arrested in any state in the union for debts, even the IRS cannot arrest you because you owe them money, they can only arrest you for not filing your returns or falsifying your returns, call the police on him for verbal assault.

  • Sherry H. says:

    February 16th, 2012 at 9:21 pm

    Western Sky sells their loans off to Cash Call (which is actually a part of their whole scam), in a matter of three days. They do not tell people that their loans are going to be transferred to Cash Call. Also, when asked to explain why these loans are sold so quickly, an individual is only told to read their loan agreement. Western Sky/ Cash Call will not provide a paper copy of the loan. These loan sharks are taking advantage of people who are desperate. My question is, since Cash Call has bought these loans and they are not on a reservation can something be done about the high interest rates that’s attached to these loans? Cash Call maintains that they are NOT a payday loan company. These individuals are nasty, ill-mannered and deceitful people. People turn to these loan sharks because banks will not give out small,short term loans to people , even if they have decent credit.


    AP Anderson says:
    March 12th, 2012 at 2:12 pm

    Has it occurred to anyone that these loans are taken-out at some of the most desperate moments of a person’s life. Perhaps your home is up for repo or you absolutely must see a doctor? What then? The “legitimate banks” are not going to help you. How else would they pay themselves their bonuses. Promise, I would get the money and show them what I am capable of to prevent them from getting a dime. Shame on me, shame on them.

  • Kathleen says:

    February 15th, 2012 at 9:57 pm

    I pretty much just wanted to know why there are tomtoms beating in he background of the commercial.
    You explained. Thank you.

  • Robert says:

    February 15th, 2012 at 5:45 am

    I just took a loan out and closed my bank account….good luck getting your cash back :-)


    Christy says:
    March 21st, 2012 at 8:24 am

    Be careful Guys, you could end up getting garnished eventually. They do have ALL your information. If work any over the table job, they will find you eventually.

    scott says:
    February 15th, 2012 at 4:16 pm

    I’m going to do my app. tonight and hopefully have my free money tomorrow. Wow I cant wait to go on vacation. I’m hoping to get $10,000 I would like to buy a newer van for my electrical business. I think westernsky is the greatest. The money is expensive,,,,, for them to give it to us for free. Its not expensive for me,, I love this country,, can you believe it, free money, Thanks again westernsky I think I will take va-ca in the south easternsky AKA (FLORIDA)!

    scott says:
    February 15th, 2012 at 4:05 pm

    RIGHT ON Robert!

  • Rating
    steve says:

    February 15th, 2012 at 12:42 am

    What am i missing here? There are times when you need money NOW, such as bail bonds, tax bill, or medical expenses. You aren’t in it for the long term because you know what the interest is. There is no penalty for paying it back ahead of schedule. They can get you out of a tight jam and then you pay it off in a few weeks. Done.


    Joe says:
    March 7th, 2012 at 6:23 pm

    That argument is nearly irrelevant to me. First off we know that firms like this aren’t marketing to individuals who will pay it right back in two weeks; that’s never the way it goes. If you could afford to pay the entire loan off in two weeks you wouldn’t have taken one in the first place.

    Debts like taxes or medical bills can be arranged on a payment plan and with regard to a bail bond you can either put up collateral or if you have none and you have a solid case your attorney may handle that for you; if you don’t have a strong defense and are in jail an attorney likely won’t assist you with this and probably shouldn’t.

    The reality is there aren’t situations that are soo pressing that would justify the type of “rape job financing” these people are trying to push. Filing bankruptcy would be preferable to this.

    scott says:
    February 15th, 2012 at 4:20 pm

    There’s no penalty for not paying back. Sounds better to me FREE FREE FREE…

  • SCOTT says:

    February 14th, 2012 at 6:32 pm

    Come on people there is free money to be taken here. I’m sure if you are even considering this scam or up front honest 116% interest then you are already in debt. I say take as much money as you can and put some aside for your bankruptcy attorney and do some good things with the rest. Buy a car for your son or daughter, pay off some bills, take a vacation, start a small business or what ever you can think of. This is a wonderful opportunity that can really work for you and the best part is,,,, its free,,,and tax free. Work them and the system just like there doing. FREE FREE FREE Think about it… Dont let it past you by. People giving free money away… (IF ITS FREE ITS FOR ME)


    Em says:
    April 21st, 2012 at 4:07 pm

    Scott, is this you from Florida?! You very,very funny guy!

    who's scott? says:
    April 13th, 2012 at 10:10 pm

    Scott, your going to do all of that with $5000? Be serious…

    James says:
    April 10th, 2012 at 1:36 am

    You obviously didn’t read what he said… You really think a rep of the company would tell ppl to take there money and not pay them back… I agree with what you said for the most part, I myself was a dumb young adult and ruined credit right away, if I could get money from them I’d take what I could and tell them to join the club with all the other creditors looking for “their”money, good luck to you if this works out for you, these ppl are the scum of scum and deserve every dime taken from them

    Robinhood42 says:
    March 11th, 2012 at 9:32 pm

    I think that Scott works for Western Sky, don’t listen to him!

    jessica says:
    March 9th, 2012 at 9:01 pm

    lol scott u are funny.. u really are a trip

  • Triathletewolf says:

    February 12th, 2012 at 1:58 pm

    My question is, if they are hiding behind the sovereign nation thing, then the laws of the US and the laws of paying them back don’t apply.


    Kimmy says:
    April 11th, 2012 at 7:47 pm

    I did not want to borrow money, but when I saw the outrageous interest rates, I decided to check out their website. It tells you on the website that Western Sky is not affiliated with the Sioux tribe, but is run by an individual. Apparently a very shady, greedy individual who is okay with giving his tribe a bad reputation.

    Mr Television says:
    February 14th, 2012 at 1:44 am

    Ralph Nader is spinning in his grave.

    (Yes, I know he’s alive, but his legacy is not).

    Mr Television says:
    February 14th, 2012 at 1:06 am

    You are probably correct, however the credit bureaus that these guys pay fees to will most likely not care, and people who need $5,000 from TV shylocks generally do not have degrees in contract law.

    This is probably one of the most wisely created schemes in history and does manage to circumvent state and federal usury laws and if the regulated banks could even make 25% of this companies fees they’d probably be in violation of lending standards. Unfortunately we have a legal structure in the US that allows even unreasonable contracts to be pursued to a greater extent than criminal complaints.

    About the only person who conceivably could make this loan situation work and make money outside of the lenders would be a criminal themselves. For example if you can buy a bulk load of meth for $5,000 and put it out on the street at a 200% markup and can sell the crap in a week, theoretically you could pay back the loans interest and even a hefty $500 loan fee you would end up with over $4,000K spending cash.

    The real anger should be at the TV stations that air these commercials like WGN and some cable networks, and they would have far less people to take advantage of if WGN and others were not co conspirators by allowing them to advertise.

  • Rating
    Frank says:

    February 11th, 2012 at 1:33 am

    First and foremost, I am of very strong Sioux heritage. And one thing I would like to do is apologize on the behalf of the rest of us who are not out to bleed America dry during the worst of it’s times.

    However, I do fell quite compelled to remind everyone that insists on making the “white man” and “red man” comments.

    Your points can be made without such degrading remarks. I say degrading only because slurs such as this have never been used without ill intent. You may as well just refer to us a “Injuns”, while we refer to you all as “Rapist thieves”.

    The fact of the matter is that neither of these remarks refer to even 5% of our (or your) population. As such, it would be completely ignorant of I or any other to do as such.

    On topic; While the reservations have been given certain rights and immunity, it is not the reservations themselves that are abusing this, but rather select individuals with little to no regard for quality of life within this great nation.

    Many of you can look down upon those with badly beaten credit, no jobs, an abundance of children, or various other situations. However, to refer to such a generally assuming stereotype as “deadbeat unemployed”, is showing nothing more than your ignorance.

    While everyone may have the ability to cure their situations, provided the proper opportunity arises to allow for it, not everyone chose the situation they are in.

    I have never gone a day in my life without work. not since the age of 14. I am now 37. That is 23 years of constant work. I make a very nice sum of money for my work, and live an extremely posh lifestyle. Yet, I still have never stooped to the levels as some of you, and those of my people who decide to work within the “gray area” of the laws.

    Not only should those involved with Western Sky be held responsible, as well as those who willfully and knowingly partake in WS’s loan program, but so should all of those who merely assume that those who accept WS’s offer and rates, are nothing more than low life, credit lacking, financially irresponsible, and undeserving rats.

    There are times and scenario’s that arise in life that need quick resolve and limit options severely, even those who are “financially blessed”.

    If you do not know of the reasons, then you have no right to speak of it.

    As far as closing remarks of Western Sky, CashCall, and other involved in these ploys…The day will come at which you will answer for your tactics. One way or another. When the tables turn, which side will you be on?


    Christy says:
    March 21st, 2012 at 8:29 am

    Frank, you make me proud to be an American.

    An American says:
    February 26th, 2012 at 8:02 pm

    WOW, what a GREAT response and eye opening statements; Thank you for putting this in a perspective that I and I’m sure many others needed to hear!!

    Really well said my friend!!!!!!!

    Jess says:
    February 24th, 2012 at 11:14 am

    Very well said…attack or discuss the issues, not those involved. Thank you for speaking up!

    Levi says:
    February 16th, 2012 at 3:52 pm

    You deserve a medal.

    NigelC says:
    February 13th, 2012 at 11:40 pm

    Very well said! Thank you for putting it so elequintly and not stooping to others levels with your response. I am currently trying to teach democrats and republicans to respond to each other this way. I feel people really have to learn to have intelligent conversations instead of just trying to beat each other down with their words and hate. The reason we are the species at the top of the food chain is out brains and I just wish everyone would learn to actually use it at all times instead of just spewing ignorance.

  • Rating
    Connie says:

    February 10th, 2012 at 10:10 am

    Just for the fun of it and out of curiosity, I went to the Western Sky website just to see what the interest rate would be….for a $5000 loan, you would be subject to a $75 loan fee and about 116% interest…with an 84 month!!! pay schedule at $486.58 a month..by the time you pay off the loan you would end up paying back $40,872.72.!!!!! I don’t know how they in good conscience could give people these loans..but then again if people are dumb enough to take them…

  • Will says:

    February 9th, 2012 at 4:54 pm

    Its a Shame. So the person in debt ends up deeper in. It is sad.

  • ron goodin says:

    February 9th, 2012 at 4:17 pm

    You talk about the white man screwing over your people. Borrowing $5000.00 and paying back 84 payments of $487. Comes out to over$40,000. Kinda funny, really.

  • Rating
    Gary says:

    February 9th, 2012 at 10:15 am

    Must be payback for the purchase of Manhattan….LOL “Sure the money is expensive.” And he says it with a straight stone face!

  • Rating
    Proud American says:

    February 8th, 2012 at 5:52 pm

    Casinos aren’t enough for these guys anymore. There are other options out there for people who need money.

  • Rating
    mitch says:

    February 7th, 2012 at 9:47 pm

    Don’t do it the upfront costs are a killer alone. Borrow 500 you owe 800 but get 500 IN FUNDS plus pay back approx 135 a month for a year if you are going to faint from starvation its a good choice .other then that NO WAY AGAIN. NO NO WAY

  • Rating
    John says:

    February 3rd, 2012 at 5:55 pm

    I reviewed this company with the Better Business Bureau,as I do with any company before I do business with them,and the complaints were many. I’m not sure of the date as it wasn’t stated but the Colorado Attorney General had filed a lawsuit against Western Sky for making unlicensed, high-interest loans to Colorado consumers. So if anyone has questions or wants to find out about a business go to the BBB,Western Sky is listed.


    S says:
    February 10th, 2012 at 12:16 pm

    The BBB is an even bigger scam.

  • Rating
    jay says:

    February 2nd, 2012 at 1:51 pm

    It’s a good choice if your bookie is sending guys to break your legs. On second thought, it’s cheaper to get surgery and miss the time out of work. To get $1000 cash you have to repay $3000. If this seems like a good deal to you, please don’t have kids. The fact that this is allowed to operate within the US is proof that the government cares nothing for you.


    TG says:
    February 23rd, 2012 at 10:22 pm

    Given that the U.S. banks and finance companies can’t make good on their loans to people that live in the confines of an Indian reservation, how can Western Sky make good on loans to someone outside of their Indian reservation? I also have to wonder why any bank on U.S. land would make a loan to anyone that lives on an Indian reservation or has ties to one.

    AZ Sun says:
    February 9th, 2012 at 6:37 pm

    Anyone who operates within the confines of an Indian Reservation can not be governed by the US Government. If one of there owe goes past due on their vehicle, the finance company CANNOT go on reservation land to reposes the vehicle. The answer is to do your homework and know your rights.

    TJS says:
    February 8th, 2012 at 9:15 am

    This is an Indian Reservation that has every right to charge whatever they want. The Colorado Board of whatever cannot touch them. They are a sovereign nation.

  • Rating
    Jane says:

    February 1st, 2012 at 7:59 pm

    Beware, a total scam, please see the websites from people who have been taken by them!!

  • Rating
    Darren says:

    January 28th, 2012 at 2:55 pm

    Not that desperate….I’m sorry there has to be a better way..this is a disgrace..people fix your credit…

  • Rating
    Tcboston says:

    January 27th, 2012 at 2:19 pm

    You people are all MORONS! They tell you what the APR is up front, in the mail, via email and over the phone numerous times. I borrowed $2552 at 139% APR. It ended up costing me $389 in the end. I had the money for almost 8 weeks.

    This is for people who need cash quick with expectation you will repay it QUICKLY.

    Its not for the deadbeat unemployed and trust me you wont be approved anyways.



    Michael says:
    February 11th, 2012 at 3:56 am

    LMAO , If you borrowed money from those Parasites, then your the biggest moron here. How much glue you sniffing pal ?

    Curious Reader says:
    February 3rd, 2012 at 5:02 pm

    You must be affiliated with the company in some way..

    Curious Reader says:
    February 3rd, 2012 at 5:02 pm

    The people are MORONS and so are you who think that this is a good thing. I researched your statement of 389.00 total cost to you. Your not teling the truth Tcboston. I called the company and no matter when you pay it back the standard loan repayment will cost you no less than 1000.00 even if you pay it off in 30 days.

    i can say this, at least they are hones tabout ripping you off, bending over without lube and taking it in the butt.

    The problem here is that they dont operate a buisness that has to adhere to state and federal regulations, so they can do as they please. People who fall into the scams and the OMG what am I going to do when something happens gets sucked in by these type of Lending Practices. Like I stated before post some resources somewhere on Google for people to get assistance by the US Government, it is out there. Food Banks, Welfare Department, WIC, Cash resources for veterans, military members and their families…

  • dawne says:

    January 27th, 2012 at 5:46 am

    I was on the phone with these people contemplateing taken out a loan but then decided to do some research first, THANK YOU ALL. After reading all of your comments…especially the amount I would be paying back…HELL NO!

  • Rating
    That's Right says:

    January 25th, 2012 at 2:53 pm

    So many people on here keep saying that the USA needs to find a way to keep people from getting ripped off from these “scams”. Ummm… why?

    The people can easily prevent themselves from having to pay these interest rates and fees by reading the information that is freely given right up front in plain print, and making a grown-up, adult choice. I think if even after folks are reading these insane rates and still signing on, that this is definitely a business I’d like to get into and I don’t see why it’s against the law for me to open a similar loan company.

  • Rating
    Victoria says:

    January 24th, 2012 at 6:40 pm

    Scum of the earth.


    Levi says:
    February 16th, 2012 at 3:50 pm


  • Rating
    westernskyfraud says:

    January 22nd, 2012 at 1:04 pm

    I’d rather starve to death than take out a loan at 116.73% annualized yearly. Some people might not see the catch here, but don’t do it to yourself. Get an advance from your credit card if you need to. This is just absolutely crap. And since it is not regulated by how credit card companies APR cap at around 28%, they can get away with this sort of absurdity.


    teri says:
    January 25th, 2012 at 8:48 pm

    how can you get a loan from your credit card, if your credit is so bad that you went to western sky you probably have nothing to fall back on.

  • David says:

    January 19th, 2012 at 7:07 am

    This is not a review of the company who is ripping people off as they(company) tells you upfront that they(company) are ripping you off. This is a review of the so called American Public. What a bunch of morons! You come to me to borrow money and I tell you how much you have to pay back and you still borrow the money then complain about my rates. Duh. Let’s blame the government for not controlling even more than what they have now. Let’s blame the law makers for not making a law for YOUR STUPIDITY! Whatever we do for the love of Pete let’s not blame ourselves. Why? Because nowadays were are told that we are(wait for it) “entitled”. So what we want is total protection from anyone or anything which will then allow us to go on being stupid. No consequences for you actions. Did you not learn anything as a child. Did you ever fall? Why? You mean that someone wasn’t there 24/7 to make sure that you didn’t fall? Let’s make a law for that. WAKE UP PEOPLE! Pull you head out and grow up and start taking responsibility for you own actions.


    Christy says:
    March 21st, 2012 at 8:18 am

    Well Gee Dave, did you ever think that there are people who are in the country who actually have to PAY taxes and mortgages, etc, who aren’t going to get a free ride based on their race? Talk about entitled. People get backed into a corner and have no where else to turn when they see a commercial on their t.v. about getting up to $5000 with no credit check. ‘Expensive’ money starts to sound pretty good. Just think about all the poor people who don’t have internet access to look these guys up. If American law does not apply to them, then they shouldn’t be able to advertise on our stations to our people. If it wasn’t for us ‘Morons’, You and your company would be out of business. And don’t act like you all are not using the “government” and “lawmakers’ to your benefit as well. Remember the Golden Rule.What goes around, comes around and I believe that WesternSky will get exactly what they deserve. (BTW if i have offended anyone other than David, it was not my intent)

    Curious Reader says:
    February 3rd, 2012 at 4:52 pm

    Oh my Dave, seems like someone has sparked your flame. Let me tell you what you and YOUR company is doing is wrong. If you want people to post positive about YOUR company then you need better business practices. Charging someone this amount of money is insane. How do you sleep at night knowing that you just made a killing off of someone who is already struggling. I understand they make their own choices but come on.. This is absurd and if you had any balls, you would open a business people could respect and people could walk into to discuss their financial needs. Another way of taking advantage of your rights as an American Indian by not having to follow the same laws and regulations the American People have to follow. I can say your honesty is appreciated, however that is what sparked my curiosity.. How expensive is it? LOL, well Mr Dave from Western Sky, I think that you need a drink and maybe think about what you are doing to people that you somehow in your twisted business practice thinks is ok to take advantage of people. SHAME SHAME.. I think that I will write a point Paper to the US Congress and report this. I am sure there is something in place; somewhere that they can reference that what you are doing is illegal.

    Angel's Eyes says:
    January 28th, 2012 at 2:53 pm

    Mr. David you should try to not be so condescending in your statements, especially when you don’t know when to use the words YOU and YOUR in a sentence. You have no idea what has happened in the lives of others that has caused them to turn this company. I was looking at different payday advance company’s and came across this one and this isn’t for me the APR is way too steep. Life has taught me that it’s not right to JUDGE!

  • The nelsons says:

    January 12th, 2012 at 7:04 pm

    You have to really be in need of fast cash or just dumb, it’s not worth it just do with out make a life change

  • Rating
    Sarah says:

    January 10th, 2012 at 1:31 am

    I just saw their commercial and went to their website. This is a SCAM. The trick is to get a person to take out the higher loan because the fee is low and pay it over time. I thought there was something wrong with my math when I calculated the payback. $5,075=40,872.00

    Really? You are in more debt than ever. This is a pay-day advance loan with the option of paying it back over time. To avoid the high interest, an individual would have to pay it back in 12 months.

  • Kelly says:

    January 9th, 2012 at 9:58 pm

    I took out the loan and them cancelled it within hours after I compared what they charged me versus what the rep said over the phone. I live in Texas, how does this affect me?


    Sarah says:
    January 10th, 2012 at 1:34 am


    Why didn’t you do research first? This is a major SCAM. Doesn’t matter where you live. Just be glad you DIDN’T take out the loan. This reservation isn’t associated with the United States…why set yourself up so they can harass you? DANGER.

  • Sue says:

    January 6th, 2012 at 8:37 pm

    Sounds like pissed-off Native Americans sticking it back to the White Man. Whatever. Buyer beware.

  • Rating
    nicolef says:

    January 5th, 2012 at 5:12 pm

    In Florida its against the law to charge a high interest rate. Since they are not licensed in Florida they cant take you to court if you don’t pay back the finance charges. Florida court will refuse the charges because the loan is not based in Florida. Our local news station had a lawyer on (Help me Howard WSVN 7) and the young lady paid back the $5,000 she borrowed and told her that if she doesn’t pay anymore money back besides the $5,000 that they will be forced to take he to court and that no judge in Florida will allow the case. They are out of luck in Florida. All online loan companies charge over 100& APR. Be wary.


    Jackie says:
    September 15th, 2012 at 12:03 pm

    So as long as you pay back what your borrowed there is nothing else they can do? If we borrowed $2600.00 they deposited $2525.00 in our acct if we pay back the 2600.00 they can not do anything in Florida?

    Dave says:
    April 23rd, 2012 at 9:14 am

    So the usury laws in borrowers’ states actually DO apply here? The real suckers are the ones actually paying the interest – sounds like whoever borrowed the $5k and paid it back at 0% did things right (presuming she had no negative repercussions on her credit in the long term).

  • Rating
    Miss. M says:

    January 5th, 2012 at 2:34 pm

    It’s sad how people use people in debt to make money.smh just have to be more careful. always read before you sign. whats really ashame is that they said that they are lower than a payday loan. they are really not.

  • Rating
    barb says:

    January 3rd, 2012 at 10:24 pm

    I am actually a bill collector for a major credit card company that doesn’t charge high interest overall.. This company is charging interest that should def be illegal. But…… No one is making anyone sign the contract. You really cant blame them if people are willing to sign on the dotted line to agree to pay those fees..

  • Rating
    greg says:

    January 3rd, 2012 at 4:28 pm

    I haven’t taken a loan from these people and want to warn people not to take the loan….this is legal usery!!! The last commercial i watched from them they offered 5,000.00. The loan rate was 116.73% and the small print even indicated that a typical 5,000.00 loan with payments of 486.50 per month for 84 months…this adds up to 40,866.00 total that will be paid back…Don’t take these loans…you also have to sign an agreement that you agree to be bound by the tribal court and that no other courts or governments will have any jurisdiction over the loan. Please watch this closely and don’t take the loan

  • jay says:

    December 30th, 2011 at 9:06 am

    then how does one get out of debt when multiple upon multiple events arise that destroy one’s credit rating and then you’re in the red?


    Dave says:
    April 23rd, 2012 at 9:15 am

    If you’re in that bad of a bind, chapter 7 is a godsend. Get rid of all your debt and have better credit the day after your discharge. Just be patient and spend wisely when you’re done with the bankruptcy.

    David says:
    January 19th, 2012 at 6:47 am

    Stop the bleeding! Stop spending more than what you bring in. Sell something. Downsize. Get a better paying job even if it’s not what you want. Get two jobs. Don’t eat out. Cut off your cable. Get a lower cell phone plan. Ride the bus. Take the train. Ride share. Clip coupons. Buy things only on sale.

    NYB says:
    January 6th, 2012 at 8:02 pm

    File bankruptcy and free yourself of immediate burden. IF your credit has already suffered; here’s a 3yr penalty but IMMEDIATE RELIEF!!! FOLKs talk down on bankruptcy, but it is there to alleviate the strain and/or decision of self-harm.

    Rizzzo says:
    January 4th, 2012 at 11:03 pm

    Take your fuzzy kiwis out of your purse and man up! Work hard, get two jobs, spend smart.

  • Rating
    Louise says:

    December 28th, 2011 at 8:54 am

    The problem here is the US Government can not regulate a sovereign nation. They get away with this because they do not have to adhere with the US Government. They are really an insult to the Sioux Nation. Also, in a recent article I read that they are a part of CashCall which is skating around the law by (abusing) using the Indian nations for their scams. Unfortunately, none of the nations are profiting from this industry. Another classic sign of the white man abusing the red man. I call it Legalized Slavery.


    Curious Reader says:
    February 3rd, 2012 at 4:45 pm

    I think it is funny how everyone blames the “white man”, exactly how greg said. people know what they are doing. I live in an area where there are American Indian Reservations everywhere. Do I care that they dont have to listen to the governemnt, of course.. I have to. We all have to pay taxes but is anyone worried about the abuse of the welfare system? Do people know that in society, a person who receives food stamps for a family of 3 gets around 750.00 a month depending on where you live for food. Yet they spend maybe 300.00 on groceries and “sell” the rest to people.. 100.00 for 200.00 worth of stamps and thats how they survive the month. There are scams every where, it is a shame. If people; white, black, indian, purple, pink ect…ect.. , had any common sense the world would be better. Everyone is trying to get over on the next and the sad part is we can type our pretty little hands off and no one cares. The fact of the matter is that if you get a loan where your payments equal the amount of a new car by the time you are done, then umm where is the common sense factor? Why is it that someone can pay 489.00 a month for 84 months but they need a loan like this for emergencies.. I am a single parent with a FULL time job, going to college and maintaining a home. There are so many resources for people to get help that wont bury them in something like this. What people need to start posting is resources to assist people instead of getting in more debt. proactive..Not reactive..

    greg says:
    January 3rd, 2012 at 4:36 pm

    Whether it is cashcall or another company please dont blame them for the Native American who willingly climb into the business bed with them!!! They are NATIVE AMERICANS NOT NAIVE AMERICANS!!! They know exactly what they are getting into when they do….you cant claim to not be business savvy when so many native American nations are doing huge business with the casinos!!!

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    jeff says:

    December 21st, 2011 at 9:50 am

    The only reason they get away with such high interest rate is because it’s on an Indian reservation


    Sherry H. says:
    February 16th, 2012 at 8:53 pm

    Western Sky sells these loans to a company called CashCall within a matter of three days. There has to be something illegal regarding these high interest loans . CASH Call maintains that they are NOT a payday loan company so how on earth can they charge the high interest rates that started out with Western Sky? When I asked about their policy and if they were involved in scaming people who are desperate, they hung up on me. Imagine that!!!! These people need to have a class action lawsuit filed against them.Remember, Cash Call is not on an INDIAN RESERVATION.

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    S says:

    December 8th, 2011 at 3:13 pm

    Not good at all.

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    bob troyer says:

    December 8th, 2011 at 12:31 pm

    they should be put out of business

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    Jackson Howard says:

    December 7th, 2011 at 10:45 pm

    Thank the Republican Party for keeping loan regulations from being enacted.


    Andrew Davidson says:
    December 27th, 2011 at 9:18 pm

    You are pretty bright. Actually you can thank your marxist democrats for not enforcing existing regulations. That’s why Barney Frank resisted the regulating of Freddy and Fannie so he could lie and get people to invest in those companies in hopes they didn’t go under while knowing what he was doing the whole time.

    Happy New Year!

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    staci says:

    November 27th, 2011 at 9:43 pm

    i think the apr is very very high. it should really be against the law.

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    Kari says:

    November 25th, 2011 at 6:56 pm

    139% interest….Absolutely Awful

  • Cynthia says:

    November 21st, 2011 at 8:54 pm

    This kind of lending is outrageious and no one should be wrapped up in such lending. I think the USA need to find a way to prevent their citizen from being ripped off from companies and individual like these.
    WANING! Please stay away from thise loan shark!


    linbegone says:
    December 26th, 2011 at 8:11 am

    Please don’t call these vermin “loan sharks” because even Vinny Bambino down at the local pub only charges 50% on his short term loans…

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    s.m says:

    November 4th, 2011 at 3:04 pm

    Could the long arm statutes of a forum state subject WSF to be haled to court based on the adhesion contract created by the loan?


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