Explore Credit (2025)

Explore Credit is a tribal lender offering short-term installment loans online. Their goal is to provide quick acess to funds for those in urgent need, up to $2,000, in an automated application process.

The APR can be find between 5.99% and 35.99%, with repayment terms from 61 days to 72 months (6 years)

However, before considering a loan from Explore Credit, it's crucial to fully understand the company, its offerings, and potential drawbacks. And we'll help you with this.

How We Rate Explore Credit

At Financer.com, all lenders go through a thorough research and review process. Here’s how we rate Explore Credit:

Affordability – While Explore Credit offers a high maxium APR, of 35.99%, the minimum, of 5.99%, is really great for unsecured loans.

Application process – The whole process is quick, easy, and can be made online.

Loan terms – The loan terms can vary significantly, from 2 to 72 months, attending every kind of situation.

Transparency – Universal Credit provides full disclosure of all terms and conditions before you apply for a loan.

Customer support – Explore Credit’s customer support can be find via phone, email, and online platform. They work every day between 8am and 9pm EST.

Explore Credit Reviews Compilation

Explore Credit is an entity of the Wakpamni Lake Community Corporation (WLCC), operating under the Oglala Sioux Tribe. They offer fully automated online loans up to $2,000 with a focus on serving customers who may have difficulty obtaining loans elsewhere.

After scouring the internet, we've gathered Explore Credit reviews to give you a comprehensive look at the company. Here's a breakdown of what you need to know:

Explore Credit was founded in 2020 and is based in Atlanta, GA. The company operates as a tribal lender, which means they follow tribal and federal laws rather than state regulations. This status allows them to offer loans in many states where other lenders cannot operate.

Explore Credit have already served thousands of customers across 32 states of the U.S. Their fully automated system is designed to provide quick decisions and fast funding for those in need of short-term financial assistance.

Explore Credit Loans Options

Explore Credit puts all its efforts in one type of loan, short-term installment loans.

Short-term installment loans are designed to provide quick cash for unexpected expenses or financial emergencies. Here's what you need to know about Explore Credit's offering.

• APR: Varies, but can be found between 5.99% and 35.99%

• Terms: Short-term, typically a few months

• Loan Amount: Up to $2,000

• Collateral: None required (unsecured loan)

• Requirements: Valid checking account, email address, verifiable identity and income

Remember, short-term high-interest loans can lead you to a debt cycle. Always review the terms and compare offers before accpeting any deal.

For those seeking other options, Financer.com offers a variety of loan comparisons, including personal loans, secured loans, home loans, auto loans and more.

Steps to Get an Explore Credit Loan

Now that you're familiar with Explore Credit's options, let's walk through how to apply for a loan. It's a straightforward process, but pay attention to each step to ensure a smooth experience.

Explore Credit process is very easy, right? Besides, it's totally automated, which means it's faster and more accurate than other lenders.

Explore Credit Customer Service

Explore Credit's customer service has received mixed reviews from customers. Let's break down their contact details and what you can expect when dealing with their support team.

Operating Hours

• 8 AM EST to 9 PM EST, seven days a week

Contact Channels

• Phone: 844-355-LOAN (5626)

• Email: support@explorecredit.com

• Online chat (available on their website)

Customer experiences vary widely. Some praise individual representatives for their helpfulness, while others report frustrations. Explore Credit also shows a bad rating in Better Business Bureau, due to unresolved complaints.

So, we cannot say that Explore Credit Customer Service is one of the best in th U.S. Even though, their channels are always open.

Is Explore Credit Legit?

Even after this review, some may be asking "Is Explore Credit Legit?" And we can answer it: yes, Explore Credit is a legitimate lending company!

However, it's important to note that it often comes with a huge cost. Always be aware of the terms and only take what you can repay.

Let's break down the key points.

• Legal Status: Explore Credit operates as a tribal lender under the Oglala Sioux Tribe. This is a legitimate business structure, but it means they operate under different rules than traditional lenders.

• Registration: The company is registered as Explore Credit, LLC in Atlanta, GA, and has been in business since September 2020.

• Loan Products: They offer real short-term installment loans up to $2,000, which are indeed provided to approved borrowers.

• Customer Experiences: Reviews are mixed. Some customers praise the quick process and helpful staff, while others report difficulty resolving problems.

• BBB Rating: As of 2025, Explore Credit has an F rating with the Better Business Bureau, primarily due to unresolved customer complaints.

• Regulatory Compliance: As a tribal lender, they follow federal and tribal laws, which can differ from state regulations. This is legal but can lead to practices that might not be allowed for non-tribal lenders.

As you can see, Explore Credit is a legitimate company, with real pros and cons, as any lender. It's up to you understand the terms and decide if they're the best fit for your needs.

Loans Like Explore Credit

If you're considering Explore Credit but want to explore similar options, or if you already tried and weren't approved, here are some loans like Explore Credito for you:

Low Credit Finance

Low Credit Finance offers the same APR range than Explore Credit, but you can apply for loans up to $50,000.

5k Funds

If you don't have a perfect credit, 5k Funds can be the best option. They're know for loans without a credit check.

Upstart

Upstart has a similar APR range and loans amount up to $50,000. They offer fast funding and no repayment penalty fees.

Remember, no matter what type of credit or company you're considering, Financer.com's Loan Finder is a free tool that helps you compare multiple offers in one place with just a few clicks. It's an easy way to shop around and potentially find better rates and terms.