Yakama Nation Credit Enterprise
Service Announcement - Coronavirus Closure
Yakama Tribal Membership:
Due to the Coronavirus Pandemic, and for the safety and welfare of all staff and general public, The YN
Credit Enterprise has announced it will be closing its offices beginning March 20, 2020 thru May 1, 2020,
at which time business hours will be re-evaluated.
For your convenience, we are posting on Yakama Nation’s website under the Yakama Nation Credit
Enterprise link a Consumer Loan Application, which you can download, fill out and then email the
completed application, and attach pertinent documentation (see brochure on this website), to the
following email addresses:
Anita George, email address: ageorge@ynce.com
Joy Esquivel, email address: jesquivel@ynce.com
You can also fax the completed application to (509)865-4288, or put in the YNCE dropbox.
Yakama Nation Credit
Enterprise P. O. Box 1160
Toppenish, WA 98948
CONSUMER LOAN APPLICATION
Phone (509) 865-7156, Fax (509) 865-4288
Single Application
Joint Application
Amount Requested:
$
Purpose:
Enrollment #:
Repayment Plan:
APPLICANTS PERSONAL INFORMATION
Middle Initial
DOB
Age
Marital Status
M/ F
Dependent(s) / Age(s)
Social Security No.
Mailing Address City State Zip
How long?
Home Phone No. / Cell Phone No.
Work Phone No. / Ext.
Street Address City State Zip
How Long?
Exp. Date / Drivers license No. and State
Nearest Family Member (Not living in same household)
Phone Number Address
City State Zip
Employer
EMPLOYMENT INFORMATION REGARDING APPLICANT
PLEASE PROVIDE COPIES OF LAST 2 PAYROLL STUBS INDICATE IF: SEASONAL
OR FULL TIME
EMPLOYMENT INFORMATION REGARDING APPLICANT
Present Employer / Department
Employer’s Address City State Zip
Date Employed
Occupation
Supervisor’s Name
Work Phone / Ext.
Amount
Wages (check one)
Monthly Hourly
$
Hrs Worked Per Week
Previous Employer (If less than two years) Address City State Zip
How long?
Occupation
ADD SECOND JOB ON ADDITIONAL SHEET OF PAPER IF APPLICABLE
CO-APPLICANT INFORMATION
First Name
Middle Initial Last Name
DOB
Age
Marital Status
Dependent(s) / Age(s)
Enrollment No. / Tribe
Address City State Zip
Home Phone No.
Exp. Date / Drivers license No. and State
Social Security No.
Present Employer / Supervisor Address City State Zip
How long?
Occupation
Work Phone # / Ext
Hrs. Per Week
Hourly Wages
$
Nearest Family Member (Not living in same household)
Phone Number Address
Occupation
LIST ALL EXISTING ASSETS – IDENTIFY APPLICANT OR JOINT OWNERSHIP
Assets
A / J
Ownership Code
Current Value
Cash in Banks
$
Savings Account
$
Auto(s) Year / Make
$
Real Estate Owned
$
Cash Value Life Insurance (not face value)
$
Other Assets (Describe)
$
Total Assets $
DO NOT OMIT ANY DEBTS! LIST ALL EXISTING DEBTS OF APPLICANT
Name of Creditor Address and City
A / J
Purpose or Acct. No.
Original Amt.
Present Bal.
Monthly Pmt.
Mortgagor or Landlord
Renting Buying
$
$
$
Credit Card(s)
$
$
$
Cultural Heritage Center Shop
$
$
$
Tire Bill
$
$
$
Car Loan(s)
$
$
$
Other Creditors / Tribes
$
$
$
Furniture
$
$
$
Yakama Nation Credit Enterprise
$
$
$
TOTAL MONTHLY OBLIGATIONS $
IF YOU ANSWER ‘YES’ TO ANY OF THESE QUESTIONS, PLEASE PROVIDE DETAILS BELOW
Are any of your debts past due?
Yes No
Have you ever had your vehicle or property
repossessed?
Yes No
Have you or your co-applicant ever declared
bankruptcy?
Yes No
DETAILS:
HAVE YOU OMITTED ANYTHING? INCOMPLETE APPLICATIONS CANNOT BE PROCESSED
PLEASE READ BEFORE SIGNING:
In accordance with the Declarations of Polices and Plan of Operation Title 20-Section D: Factual Applications: “If the applicant/co-
applicant falsifies his/her application or conceals his/her liabilities, loan(s) will not be approved.”
The undersigned specifically acknowledge(s) and agree(s) that: Verification of any information contained in the application may be
made at any time by the Lender, it’s agents, successors and assigns, either directly or through a credit reporting agency, from any
source named in this application, and the original copy of this application will be retained by the Lender, even if the loan is not
approved.
Certification: I/We certify that the information provided in this application is true and correct as of the date set forth opposite my/our
signature(s) on this application.
X_____________________________________________________
SIGNATURE OF APPLICANT DATE
X____________________________________________
SIGNATURE OF CO-APPLICANT DATE
CSO / Central States Health & Life: Please select one of the following coverage plans (Ask your Credit Officer about Payment Options)
LIFE INSURANCE (Required per YNCE Declaration of Policies and Plan of Operation)
LIFE INSURANCE PLUS DISABILITY INSURANCE (Optional: Primary borrower only, age 70 & over not eligible)
YAKAMA NATION CREDIT ENTERPRISE
Post Office Box 1160, Toppenish, WA 98948
Area Code 509: 865-7156 * 865-7157
FAX 865-4288
FUNERAL
LOAN
APPLICATION
AMOUNT REQUESTED:
$
PER CAPITA-BASED FUNERAL LOAN
~ Official Death Notice Required ~
ENROLLMENT NO.:
APPLICANTS PERSONAL INFORMATION
First Name Initial Last Name
DOB
/ /
Age
Male / Female
Dependent(s)/Ages(s)
Social Security No.
Mailing Address City State Zip
How Long?
Home Phone No.
Cell Phone No.
Message Phone No.
Please list the names of your parents (living or deceased):
Mother (maiden name): Father:
Which parent is related to deceased and how:
Please List your grandparents (living or deceased):
INFORMATION REGARDING DECEASED
Name of deceased:
Describe Family Tree Relationship (How Are You Directly Related?). MY:
SPOUSE - PARENT - SON - DAUGHTER - BROTHER - SISTER - GRANDPARENT - GRANDCHILD - UNCLE
AUNT - NEPHEW - NIECE - COUSIN - IN-LAWS AND/OR STEP RELATIVES IN ONE OF THE ABOVE CAPACITIES
NOTICE TO FUNERAL LOAN APPLICANTS: COMMITTEE ACTION NUMBER: #074-99
o If the applicant is a family member of the deceased but does not have any apparent means of repayment, the
maximum that can be loaned by the Credit Officers for funeral expenses based on per capita hold is $200 per
funeral, not to exceed $600 total in a Fiscal Year.
o If the client is in delinquent status, the initial funeral loan will be authorized contingent upon the loan client’s
agreement to work with the Credit Officer and/or the Collections department to make satisfactory payment
arrangements for the delinquent loan(s). The per capita payment will be first applied to the funeral loan.
o The loan client will not be eligible for future funeral loans if the arrangements are not made.
o Tribal members with adequate repayment capability can make loans larger than $200 through the standard credit
lending process. If the ceiling of the $600 in a fiscal year is reached, standard credit lending practices apply.
PLEASE READ BEFORE SIGNING;
In Accordance with the Declaration of Policies and Plan of Operation Title 20-Section D; “If the applicant falsifies his/her application or conceals
his/her liabilities, loan(s) will not be approved.”
The undersigned specifically acknowledges and agrees that verification of any information contained in the application may be made at any time by
the Lender, its agents, successors and assigns, either directly or through a credit reporting agency, from any source named in this application, and
the original copy of this application will be retained by the Lender, even if the loan is not approved.
Certification: I certify that the information provided in this application is true and correct as of the date set forth opposite my signature on
this application, and I have read and understand the requirements for per capita based funeral loans as described above in the NOTICE
TO FUNERAL LOAN APPLICANTS.
I also state that there are no other holds on my per capita that obligate funds for the repayment of this loan.
X____________________________________________________________
_________ DATE__________________________________________
SIGNATURE OF APPLICANT
~SIGN AND DATE WITH BLACK OR BLUE INK~
Frequently Asked
Questions:
1. What is the maximum loan amount that
I can get?
No more than 3x gross monthly
income
2. How long does it take to get the loan?
Usually 1-3 business days, Funeral
loans always take priority & are
processed same day as received
3. What types of Fixed Income are
NOT counted as means for
repayment?
-Social Security
-Per Capita Income
-Other Tribal Disbursements
(WIA/Summer Youth)
-Proposed Land/Timber Sales
-Estate Probates
-Scholarship Awards
-Child Support Payments
4. Can I get a loan to pay off Credit
Cards? -No, per Plan Provisions
5. What is a CBR? -Credit Bureau
Report: Shows personal Credit History
6. Can I Refinance my Loans?
Refinances are for delinquent loans,
discuss with a loan officer
7. What is an Unsecured Loan? A loan
that is based on the borrower’s credit
worthiness (wages) rather than on
collateral
8. What is a Secured Loan? A loan that is
backed by collateral – like a car or
home
Yakama Nation Credit Enterprise
51 Teo Road
PO Box 1160
Toppenish, WA 98948
Tel 509-865-7156
Fax 509-865-4288
www.yakamanation-nsn.gov
Yakama
Nation
Credit
Enterprise
Consumer Loan
Eligibility
Requirements
r
Consumer Loans
Must be an enrolled member of the
Yakama Nation
Must be employed 6+ months- Regular
Full Time
Eligible co-signer needed for 1
st
time
borrowers and those trying to re-
establish credit***
Debt to Income Ratio (DTI) cannot
exceed 45%
Cannot have delinquent loans or
delinquent co-signed loans
Must live within the Boundaries/Ceded
Area of the Yakama Reservation -OR-
loan must be secured by trust funds or
automatic payroll deduction
Refinance Loans must be paid 50%
prior to receiving any new loans (2
nd
Refinances: No new loans until paid in
full)
Combined total loans cannot exceed
3x’s gross monthly income
***Eligible Co-signer:
Employed with the YN or one of its enterprises to
secure a payroll deduction if loan becomes delinquent
Co-signer allowed to sign for NO more than one
applicant
First Time Borrower
Requirements:
1. COMPLETE APPLICATION – All
sections must be filled in -
including all Assets & LiabilitiesIf
any sections are not filled in it will
be considered incomplete and will
be DISAPPROVED.
2. YAKAMA NATION TRIBAL
ENROLLMENT CARD AND/OR
CERTIFICATION OF DEGREE OF
INDIAN BLOOD
3. SOCIAL SECURITY CARD
4. DRIVER’S LICENSE/STATE ID
(If Applicable)
5. PROOF OF INCOME
a. Last 2 Paystubs (a full month)-
showing all deductions
b. Employment Verification-
Legends Casino & YFP Employees
c. Approval Letter – YN Housing
Employees
d. Land Owner Income Report –
Lease Loans
e. Note: Per Capitas, Social
Security and other Fixed Incomes
are not accepted as a means for
repayment
6. Eligible Co-Signer with same
requirements listed above
7. Repayment plan: Maximum of 24
months
8. Total unsecured Loans over $25k
will require a CBR
9. Applicants are limited to 12
outstanding loans
What We Offer:
Consumer Loans: Based on Payroll
Funeral Loans: Per Capita or Payroll
Based (See Brochure)
Vehicle Loans: (See Brochure)
Income Tax Loans: Based on Previous
Income Tax Return
Lease Income Loans: Based on Land
Owner Income Report
Home Loans: (See Brochure)
Home Equity Loans: (See Brochure)
Business Loans: (See Brochure)
Interest Loan Rates
Consumer Loans 8.00%
Funeral Loans 8.00%
Vehicle Loans %Varies
Income Tax Loans 8.00%
Lease Loans 8.00%
Home/Land & Home Equity
Non-Trust 7.00%
Home/Land & Home Equity
Trust 6.00%
Refinance Loans 9.00%
Business Loans – Total Indebtedness
exceeds $100,000 9.00%
FUNERAL LOANS
Next of Kin Contact Enrollment 509-945-6927
Enrollment sends YNCE a notice of death and
family history
The next of kin who receives the YN funeral
assistance may apply for a funeral loan if the
funeral expense exceeds amount received
No other requests are considered except for
immediate family who travel to outside
reservation or ceded areas for services
Go to YN website, YNCE, for more information; or
application is at YNCE drive up and put in drop
box. All loan services are done at drive up.
You may call 509-945-4889 if you need
additional information.
For yours and staff safety, these procedures will
remain in effect until further notice.
We express our sympathy for your loss during this
extraordinary time. May Creator be with you.