Tribal Credit’s mission is to enhance the social and economic well-being of CSKT membership by providing fair and accessible loans through a sustainable revolving fund. We focus on supporting underserved members who lack access to conventional lending.
Department Head: Charmel Gillin
Phone: (406) 275-2727
Email: credit@cskt.org
Hours: Lobby Open M-W 8AM-11:30AM & 12:30PM-5:30 PM
Th 8:00 AM to 4:00 PM
DROP BOX: Located at west side entrance, for non-cash payments and document delivery, for your convenient use during closed lobby hours.
Documents may also be emailed to credit@cskt.org
Our Work
Tribal Credit seeks to serve CSKT membership with important financial support products in a manner that not only satisfies your personal goals but continues to build for the future wealth of its members. We do this by recognizing the following core values and standards for our operations.
Core Values and Standards
KNOWLEDGE is gained through sharing facts and experience and building upon education and training. It cannot stand on its own but needs integrity, service, and diligence to be helpful.
INTEGRITY is established with transparency (documented decisions), consideration, and fairness.
SERVICE is marked with honesty, confidentiality, timely communication, professionalism, procedural awareness, and compliance.
DILIGENCE is shown by strength of character in support, cooperation, consistency, accurate underwriting, and consistent enforcement.
Tribal Credit Divisions
- Regular Office Hours and Payment Drop Box
December Greetings!
On December 10, from 11:30 AM to 5:30 PM, all Tribal Credit staff will be engaging in an off-site policy review session. Phone lines, emails, and drop box will be available for customer use, the office area will be closed. Messages will be checked before close of business on that day.
Thank you all, and HAPPY HOLIDAYS!
Accessing Services
Tribal Credit provides in-person services to applicants and borrowers. We also provide electronic/digital access through our web portals and smart phone apps. Learn more in the links, below:
- LENDING DIVISION – online application form, loan calculator, interest rate table.
- LOAN SERVICES (OPERATIONS) DIVISION – link to ProPay registration for e-services, and ProPay app.
In need of a personal loan?
Please click the button below to complete the application.
Personal Loan Application Instructions
- The applicant must be an enrolled member of the Confederated Salish & Kootenai Tribes and 18 years of age or older.
- The Personal Loan Program features several different loans. The Revolving Loan has a maximum of $7,500.00 and can be refinanced. The Term Loan has a maximum of $10,000.00, but must be paid in full before financing another Personal Loan. We also offer a Credit Establishment/Reestablishment loan for new borrowers and borrowers with a deficient history.
- The applicant must be current on all loans and in compliance with all loans to be eligible for a loan.
- Please make sure you have completed the application in pen. List all of your monthly expenses. Make sure you have submitted proof of your income. If you do not provide us with this information, your application may be delayed. If this is your first loan with us, please provide us with your Tribal ID.
- An applicant shall be considered for a loan if all eligibility requirements are met. The following are reviewed for each loan: your monthly income, current debts, credit report, security for the loan, and payment history.
Frequently Asked Questions
General Information
How do I contact your department?
During regular business hours, you can reach us by phone at (406) 275-2727 or by emailing credit@cskt.org. Voice mails or emails will be received and responded to as received. Our goal is to respond on same business day, and within the hour whenever possible.
Where is your office located?
At 42487 Tribal Complex Blvd in Pablo, MT. You will find our offices in the Building on the east side of the Veterans Memorial round-about. Our after-hours drop box is also located at the exterior entrance of this building.
What are your interest rates?
For current interest rates, please visit page link here.
Services
Who is eligible for loans?
Our services are available to enrolled tribal members who are our primary borrowers. For specific information on eligibility requirements, please visit page link here.
Can I finance an automobile?
Our loan products generally do NOT fund auto loans, as the program is not designed for such collateral. For specific information on consumer loans, please visit page link here.
If I have pledged my per capita toward my loan repayment, can I get any part of that released back to me?
Yes, if your loan is in good standing and you would like to restructure your payment methods, please contact us at (406) 275-2727 or email credit@cskt.org to get the process started. If the loan payments are in peril, we will work with you to try to find the best solution for your needs.
Why can I no longer refinance my short-term loan?
We have moved to new loan products designed to provide for your cash needs with terms that can be repaid without the need to refinance. Your loan may be shorter term for more frequent borrowing, but your debt load will remain manageable for improved personal credit. Therefore, the “refinance” is more of a pay-off of the previous loan and the issuance of a new loan.
Why do I need to get a denial from a bank before I can apply for a mortgage?
We have modified our procedures to mortgage lending in support of our mission statement. Our lending team is available to assess your plans to purchase a home or land. When your borrowing ability and favorable terms are identified through pre-qualification process, you can present that package to a conventional lender. If it is approved, we’ve helped you receive services from an open-market lender, which builds your growing credit worthiness for long-term wealth management. If the application is not approved, Tribal Credit will work toward assisting you with financing. This process supports Tribal Credit’s objective to bridge lending service gaps in our community as well as manage our revolving loan fund budget to serve the membership in the greatest capacity.