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First Day Loan

First Day Loan is one of many loan services that you might be considering for covering some expenses.

Before you apply with this company, you should ensure that it is legit, that it provides reasonable conditions, as well as other information important for a good borrowing experience.

About the Service

First Day Loan is a subsidiary agency of Wakpamni Lake Community Corporation.

You can use this service in order to apply for a short-term loan.

The website contains some basic information, including the FAQ that you can go through –

There are a few contact options that you can use to reach their support team, including toll-free phone and email. They work with people with different credit histories, including those with bad credit.

First Day Loan

However, they need to ensure that you will be able to repay your debt and that is why they may conduct a throughout check of your employment and banking information.

Reasons to Choose

The following are the main reasons to use the services claimed by the company:

  • A very easy application process;
  • Quick approvals;
  • Usually, applicants get money on the next business day.

They do not operate in all states, and there is no info on their website where exactly their services are available. However, when applying for a advance, you can check if there is your state on the list.


The service provider allows you to apply for a loan in the amount ranging from $100 to $1,000.

You can only get a short-term loan, which will be quite expensive.

They decide how much they can give you based on different factors, and you will find this information out after applying for a loan with them.

APR varies depending on various factors, so it may be different for different applicants.

The terms, APRs, rates, or fees are indicated in the loan agreement.

For instance, APR can range from 36% to 690%.

Late payment fees may be applied in case you delay with your payment.

Customer Reviews and Rating

There are no customer reviews that you can find on the Internet, which may mean that it is a new service provider.

According to the information published on the official website of The State of Washington DFI, they received a complaint from a consumer living in Washington against

The consumer reported that the service provider charged too high fees and interest and did not give the consumer the repayment plan terms.

You should note that the company does not have a license to operate in the state to give payday loans.


It is unknown for how long First Day Loan has been operating, and there are no customer reviews that you can find about it on the Internet.

However, there is a complaint regarding giving payday loans in an illegal way the Washington State, so we cannot be totally sure that it is a legit service that can be recommended for use.

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Representative Example

$1,000 loan amount over a 12-month term would have a total cost, including interest rate, a total payment amount of $1,134.72. APR 29.82%. Fee 3.00%. Fee Cost $30. Repayment $94.56. Rates between 5.99% APR and 35.99% APR. Loan term lengths from 3 to 36 months for qualified consumers.

The operator of this website is not a lender, loan broker or agent for any lender or loan broker.

4 reviews

  1. Daniel

    do you pay interest on first and last day of loan?

  2. rick groce

    it says i owe money and first payment is the 20th of dec. but i have not received the money

  3. Mike roberts

    This is a scam You borrow money that same week they want you to start making payments on that loan it’s weekly not monthly no one ever explain that so I would avoid this company it’s a scam

  4. Harold

    Did you ever recieve the money

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