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Don’t let lack of funding hold you back

At Dakotaland, we believe every member deserves the freedom to enjoy life’s major milestones. With flexible loan amounts, competitive rates and easy repayment options, you can cover unexpected expenses or opportunities quickly and confidently. Our team is here to guide you through the process and customize a loan that fits your unique situation. Apply today, and take the next step toward your special moment.

Focus on what truly matters

When a VISA® credit card or Home Equity Loan aren’t the right fit, our Life Event Loan provides a flexible and affordable alternative—created just for those special moments and major milestones in your life.

Whether you’re preparing for a wedding, welcoming a new child, planning a once-in-a-lifetime vacation, or facing another big event, we’re here to help ease the stress. Our Life Event Loans are designed with your needs in mind, offering straightforward installment options and competitive rates tailored to your personal credit history.

You’ll enjoy the freedom to choose a repayment schedule that matches your budget—whether that’s weekly, biweekly, monthly or semi-monthly payments. It’s our way of making sure your important moments remain worry-free, so you can focus on what truly matters.

Let Dakotaland help you celebrate life’s big events with confidence and peace of mind. If it’s a life event, we’re here for you.

APR* AS LOW AS

11.32%

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Life Event LOAN RATES

11.32% - 17.83% APR*

* annual percentage rate • Rates are subject to change without notice.

APR is determined by credit score using a tiered pricing program to allow as many members as possible to obtain financing. 
APR example using $10,000 borrowed.

View Current Rates

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Student Loans

If financial aid doesn’t fully cover your college expenses, our student loans can help bridge the gap. Whether you’re pursuing a two-year, four-year, undergraduate, or graduate degree, we offer flexible loan options and resources to help you finance your education with confidence.

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home improvement

Investing your time and money in home improvements is a smart way to boost your property’s value and enjoy the benefits of each upgrade. Let us help you make the most of your investment—and take pride in the place you call home.

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Online banking

Accessing your financial information is essential to staying on track. With our online banking, you have secure, convenient access to your accounts—anytime, anywhere—so you’re always in control, no matter where life takes you.

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debt management

Enjoy life with confidence—our certified financial counselors offer confidential, free support to help you manage and eliminate debt with a personalized plan that may include consolidation and lower, budget-friendly payments.

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calculate your Life Event loan

Use this calculator to determine what your monthly payment will look like
Consumer Lending

Meet Our Consumer Lending Team

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Frequently Asked Questions

you have questions, we have answers
Yes, a Life Event Loan does not require collateral like a car or home loan does. Approval is primarily based on your personal data such as creditworthiness, income and debt-to income ratio.

Life Event Loans are versatile, and cane be used for a variety of expenses including: 

  • Life events: Hosting a wedding, graduation, vacation, etc.
  • Debt consolidation: Combining high-interest debts into one loan with a potentially lower rate.
  • Home improvement: Funding repairs or renovations.
  • Large purchases: Covering costs for significant items or events.
  • Medical expenses: Paying for unexpected health costs.
  • Emergencies: Covering unforeseen urgent expenses. 

Our quick and easy online application is ready whenever you are.  Click here to get started: Apply Here

As an unsecured loan, a higher interest rate may apply, but once the loan is approved, funds are often distributed quickly.

Click here to view current rates:  Rates


No, a Life Event Loan can be paid off prior to the end of the term and not incur a penalty.

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Auto Loans

Freedom is born on the road and getting you where you plan to be is our priority. Our best rates and remarkable service will put you on the move.  

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Recreational Vehicle Loans

When your destination is anywhere but here, we understand how important the journey can be. At Dakotaland, your favorite recreational vehicle is closer than you think.

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VISA® Credit Cards

Choosing the right credit card is easier than ever. Whether you want to secure a rate as low as 9.90% APR*, pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you.

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Have more questions regarding life event loans? Let us know!
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