Make Cents, Inc. d/b/a Sovereign Advance Not Licensed in Washington State

Date Posted: 
Monday, April 10, 2017

The Washington State Department of Financial Institutions (DFI) has received a complaint from a Washington State consumer against Make Cents, Inc. d/b/a Sovereign Advance (Make Cents). The consumer reported that she received an online loan from Make Cents and was charged excessive fees and interest.

Make Cents operates its website at []. Make Cents lists its contact information as:

Make Cents, Inc.
PO Box 10
Parshall, ND 58770
Phone: 701*862*2274
Email: []

It appears that Make Cents may be operating as an online tribal loan company. Make Cents claims to be owned by the Mandan, Hidatsa, and Arikara Nation – Three Affiliated Tribes of the Fort Berthold Reservation.

Make Cents is not licensed by the DFI and is not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue, or the Secretary of State.

The DFI warns Washington State consumers that before doing business with a financial service provider the consumer should:

  • Make sure that the entity is licensed. Consumers can use the “Verify a License” feature on DFI’s website at to check whether a payday or consumer loan company is licensed to conduct business in the state of Washington.
  • Not provide any personal information, such as social security number or bank account number or access if the company is not licensed or authorized to conduct business.

Important Information for Washington State Consumers

Washington State residents are informed that Washington State law provides in RCW 31.45.105(1)(d) and (3) that a “small loan” made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State. A “small loan” is defined in RCW 31.45.073 and is a loan that does not exceed $700.

Report Unlicensed Lending Activity or Fraud

Washington State residents only: If you suspect unlicensed activity by a payday lender or consumer loan company, please contact the Department at 1-877-RING-DFI (746-4334), or online at Even if your activity involves a loan over the internet, a license may still be required.

If You Live In Another State

If you live in another state, find the regulator in your home state.