Is River Valley Loans the right fit for you?
Last Updated: 04/18/2025
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Highlights
APR (Variable APR)
N/A(Verified 03/01/2023)
Disclaimer popup with additional information
Amount Range
$100 - $3,000
Loan Term (Months)
N/A
River Valley Loans Review
River Valley Loans is offered by River Valley Loans, a nonbank financial services provider founded in 2021 and based in Ft. Thompson, SD. River Valley Loans are available in 41 states.
Key Takeaways
- Uses a variable APR. This is uncommon for personal loans. If interest rates rise in the future it could make the monthly payments more challenging.
River Valley Loans Pros & Cons
| Pros | Cons |
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River Valley Loans FAQ
What interest rates and personal loan terms does River Valley Loans offer?
River Valley Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does River Valley Loans offer?
River Valley Loans offers a variable APR personal loan product but they do not disclose their interest rates.
How much can you borrow via River Valley Loans?
Personal loan amounts start at $100 and go up to $3,000
| Personal Loan Amount | $100 - $3000 |
| Loan Term | N/A |
| APR | N/A |
What fees does River Valley Loans charge?
Does River Valley Loans charge an origination fee?
River Valley Loans may charge a personal loan origination fee .
Does River Valley Loans charge a late fee?
Yes, River Valley Loans may charge a late payment fee if you miss one of the regularly scheduled payments of up to $20.
Does River Valley Loans charge prepayment fees?
No, River Valley Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | up to $20 |
What do you need to qualify for River Valley Loans?
When it comes to credit scores, River Valley Loans doesn't have a set minimum or maximum. People with all types of credit scores can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.
River Valley Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by River Valley Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Proof of insurance
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
- U.S. tax identification number
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | 300 - 850 |
Does River Valley Loans perform a hard credit pull?
Yes, River Valley Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are River Valley Loans legit?
River Valley Loans was founded in 2021. It is an established company that has been in business for 5 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
SundayClosedMonday7:00AM - 7:00PMTuesday7:00AM - 7:00PMWednesday7:00AM - 7:00PMThursday7:00AM - 7:00PMFriday7:00AM - 7:00PMSaturday8:00AM - 4:30PM
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-67
-1000+100
No one recommends
Everyone recommends
River Valley Loans Community Reviews
Would you recommend River Valley Loans to your friends?
EM
Emily M.
Nov 19, 2023
May or may not recommend
This is a tribal financial institution. I received an installment loan from them once. They are flexible in that they offer same-day funding. As well as, repeated customer rates. I know they told me if I already received a loan from them in the past that I would be eligible for a better rate. Plus, there is no pre-payment penalty, which is a big must for me.
The only thing ...Show More
HN
Hell N.
Oct 11, 2023
May or may not recommend
Hell no, do not do not get a loan. You take 500 loan, 8 payments in you already paid over 900 bucks and still have to pay 565.00 to payoff. River Valley may God go with you guys!!!
MW
Mark W.
May 16, 2023
May or may not recommend
Horrible service. Was approved for loan expecting money then overnight the just cancelled it no letter or notice or anything. Talk about breach of contract
Showing 3 of 3 reviews
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