Fox Hills Cash Review: What to Know Before You Borrow

What Fox Hills Cash Offers

Fox Hills Cash is a tribal lender offering installment loans to borrowers with bad or poor credit. The loans range from $200 to $1,000, with first-time borrowers limited to $200–$500. If you borrow again, you might qualify for up to $1,000. Fox Hills Cash claims to provide next-business-day funding after approval, and there’s no stated credit check. The lender is operated by WLCC Lending FHC, a subsidiary of the Wakpamni Lake Community Corporation, affiliated with the Oglala Sioux Tribe, based on the Pine Ridge Reservation in South Dakota. The loan is repaid over a set term in fixed installments, but the costs are dramatically higher than most other options.

The Real Cost: Sky-High APRs and Dollar Examples

Fox Hills Cash loans come with APRs ranging from 214% to 780%. To put this in perspective: borrowing $500 at the top 780% APR for 12 months means you repay $3,910 in total—$3,410 of that is just interest. A $1,000 loan at the same APR costs $7,819, with $6,819 in interest. Even a $300 loan can cost $2,307.79 in interest over a year. These costs are dramatically higher than payday loans, credit cards, or even other high-cost installment lenders. For comparison, most credit cards charge 15–36% APR. If you have any alternative—even a cash advance from friends or a local charity—those options will be far less expensive.

Who Should Consider Fox Hills Cash (and Who Shouldn’t)

The only borrowers who should consider Fox Hills Cash are those with absolutely no other options and who need money immediately for a true emergency. The lack of a credit check might be helpful if you have poor or no credit history. But given the massive interest charges, this lender will almost always make your financial situation worse. Anyone with access to credit unions, payday alternative loans, local nonprofits, or even a payment plan with a creditor should avoid Fox Hills Cash.

Ratings and Reputation: BBB, Consumer Alliance, and Borrower Feedback

Fox Hills Cash is not accredited by the Better Business Bureau. Its BBB rating fluctuates between B+ and C−, depending on the source. The Business Consumer Alliance gives it an F rating, with a 0% complaint resolution rate. Trustpilot does not have extracted reviews for this lender. Consumer complaints focus on the extreme interest rates, poor customer service, and aggressive collection practices. The overwhelming majority of reviews are negative.

Red Flags: Complaints, Regulatory Actions, and Missing Information

Fox Hills Cash is associated with multiple red flags. There are several class action lawsuits against its parent, WLCC. The Washington State Department of Financial Institutions has issued an alert stating Fox Hills Cash is not licensed to lend in Washington, and there are ‘rent-a-tribe’ allegations—referring to non-tribal lenders using tribal affiliations to avoid state regulations. Key loan terms like origination fees, late fees, and credit bureau reporting are not clearly disclosed. If a lender is not transparent about costs or is facing regulatory scrutiny, you should be very cautious.

The Bottom Line: Pros and Cons

Fox Hills Cash delivers loans quickly and without a credit check, which might appeal to some borrowers in crisis. But the true cost is staggering—at 780% APR, you can pay more than seven times what you borrow in interest alone. The lender has a poor track record for handling complaints and is involved in multiple regulatory actions. Unless you have no other way to cover a true emergency, it’s almost always better to look elsewhere—consider payday alternative loans from credit unions, local assistance programs, or a payment plan with your creditor before taking on this kind of debt.

Frequently Asked Questions

How much will I pay in interest on a Fox Hills Cash loan?

At the highest 780% APR, borrowing $500 for 12 months means paying $3,410 in interest (total repayment: $3,910). Even a $300 loan can cost over $2,300 in interest. The interest charges are much higher than most payday loans or credit cards.

Is Fox Hills Cash a licensed lender?

Fox Hills Cash operates as a tribal lender through the Wakpamni Lake Community Corporation. It is not licensed in all states—Washington State regulators have specifically flagged Fox Hills Cash as unlicensed. This lack of state oversight is a major concern.

Will Fox Hills Cash check my credit?

Fox Hills Cash does not state that it checks your credit, and they advertise no credit check loans. However, they also do not say whether they report your payments to credit bureaus, so repaying on time may not help your credit score.