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Our role in every state
DeerCreekLendingApply.com does not make loans, does not make credit decisions and does not broker loans in every state. We pass your request to lenders and lending partners who say they can lend where you live. The lender that makes you an offer is responsible for holding any license your state requires and for following your state's lending laws.
How to check a lender's license
- Find the lender's legal name in its loan agreement or website footer.
- Search it on NMLS Consumer Access, which covers many state-licensed consumer lenders.
- Check your state regulator's license lookup. The CFPB keeps a directory of state regulators.
- If a lender says it is exempt from state licensing, such as a bank or a tribal lender, read its terms on governing law and disputes before you sign.
Rate caps and amount limits
Many states cap interest rates, limit loan amounts or terms, or restrict certain short-term products. If you live in such a state, you may see fewer offers, smaller amounts or lower-rate offers only. An offer smaller than your request often reflects state limits.
- New York: civil usury limit of 16% a year, so few short-term online lenders operate.
- Arkansas: constitutional cap of 17% on most consumer loans.
- All states: active-duty service members and their dependents are protected by the Military Lending Act's 36% cap on covered loans.
Tribal lenders
Tribal lenders say they operate under tribal and federal law rather than state lending law, and state regulators do not always agree. Deer Creek Lending's own site says its loans are not available in Arkansas, Connecticut, District of Columbia, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Mexico, New York, Pennsylvania, Vermont, Virginia, West Virginia, and that its states of operation change frequently (Deer Creek Lending). Washington's DFI issued a consumer alert on June 30, 2026 saying lenders tied to the Iipay Nation of Santa Ysabel, including Deer Creek Lending, are not licensed in Washington (Washington DFI).
California residents
California residents have rights under the California Consumer Privacy Act, including the right to know, delete and correct personal information and to opt out of its sale or sharing. See our privacy choices.
Where to complain
You can submit a complaint about a lender to the CFPB or to your state regulator. For a lender licensed in your state, the regulator that issued the license is usually the fastest route. The CFPB's directory lists each state's regulator and how to file.
Where requests are accepted
Requests are accepted from all 50 states and the District of Columbia. Whether any lender can offer you a loan depends on its licenses and your state rules. See availability by state.
Sources
- NMLS Consumer Access (look up licensed lenders)
- CFPB: How do I find my state's bank regulator?
- Deer Creek Lending, Availability and Rates
- Washington DFI consumer alert: Iipay Nation of Santa Ysabel lenders not licensed in Washington
- CFPB: What are my rights under the Military Lending Act?