InboxLoan installment loans review

You may be able to borrow up to $1,500 from this tribal lender.’s rating: 2.7 / 5.0


When you need an extra boost, an installment loan from Inbox Loan may be able to help. But with high fees and negative online reviews, you’ll want to carefully consider your decision before committing to a loan.


Min. Amount


Max. Amount


Product NameInboxLoan installment loans
Min. Amount$200
Max. Amount$1,500
Loan TermVaries
RequirementsValid checking account, ages 21+, live in serviced state

What is Inbox Loan?

Inbox Loan is a tribal lender run by the Kashia Band of Pomo Indians of the Stewarts Point Rancheria in California’s Sonoma County. It offers unsecured installment loans ranging from $200 to $1,500 for first-time borrowers. Return borrowers may be eligible for as much as $5,000, although this will depend on your ability to repay and creditworthiness.

How much you end up paying depends on how much you borrow and your financial situation. Inbox Loan may end up costing you much more than you’re initially borrowing. This is because the provider deducts a financing fee and interest from your loan before forwarding the principal.

But unlike payday loans that are due shortly after you borrow, you’ll have more time to repay your loan — but this also means you’ll pay more in interest.

While Inbox Loan services many states, it isn’t available in Alaska, Georgia, Maryland, Montana, New Hampshire, New York, Utah, Vermont, Virginia and West Virginia.

What are the benefits of Inbox Loan?

  • First loans of up to $1,500. First-time borrowers can borrow from $200 to $1,500. Once you’ve successfully repaid your first loan, you can then borrow up to $5,000.
  • No prepayment penalty. If you’re able to pay off your loan early, Inbox Loan won’t charge a prepayment penalty. This option saves you money on unnecessary interest and financing fees, which means you’ll pay less in the long run.
  • Bad credit OK. Inbox Loan’s installment loans are designed to help you access financing based on your ability to pay it back — not your credit history.
  • Repay in installments. Unlike a payday loan, installment loans are repaid over multiple payments based on when you get paid, giving you more time to pay off what you owe.

What are the drawbacks?

  • Automatic debit required. Funds are deposited directly into your account, but payments are withdrawn directly from this account as well. If you don’t have enough money in your account, you face a stiff fee from Inbox Loan and potential overdraft fees from your bank.
  • Regulated by tribal laws. Because Inbox Loan is run by a tribal band, it applies its own laws to loans and repayment plans. Be sure that you understand how tribal lenders work before signing a contract.
  • High costs and fees. Most short-term loans come with high interest rates and hefty financing fees. If you can’t pay back your loan on schedule, you could find yourself stuck in a cycle of bad debt.

Compare Inbox Loan to other online installment loan providers

1 - 0 of 0
Name Product Filter Values Loan amount Turnaround time Requirements
MaxLend Installment Loans
Up to $2,500
As soon as the next business day
Must be at least 18 years old and a US citizen, have a valid bank account and provide a verifiable source of income.
Get up to $1,000 as a first-timer, with loans of up to $2,000 and lower APRs for repeat borrowers.
OppLoans Installment Loans
$500 to $4,000
1 business day
Direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Monevo Installment Loans
$500 to $100,000
Varies by lender
Credit score of 500+, legal US resident, ages 18+
Quickly compare multiple online lenders with competitive rates depending on your credit.
Fig Loans Installment Loans
$200 to $800, varies by state
As soon as the same business day
3 months of direct deposits, $1400 per month income, positive bank account balance
Get an affordable installment loan that comes with no fees, flexible terms and predictable monthly repayments.

Compare up to 4 providers

Beware of high fees and interest rates

A tribal lender is a loan provider that operates under an Indigenous band. These lenders abide by their nation’s laws, rather than state regulation. Because they operate with sovereignty from the federal government, they don’t have to follow strict state regulations. This means Inbox Loan can charge as much as it wants per loan, which can mean you owe much more than if you’d gone with a state-regulated option.

And like other online interactions that involve your bank account, short-term loans come with inherent risks. Inbox Loan is a legit lender, but as you compare your options, understand how to know whether a payday loan is legit.

How safe is it to use Inbox Loan?

Inbox Loan’s site is secured through an SSL server, meaning your private information is safe when entered into the site’s forms.

However, you should note that Inbox Loan can share your information with its affiliates for business and marketing, sometimes well after you’ve repaid your loan. Limit or stop some of this sharing by contacting Inbox Loan by phone or email, but you may still receive calls or emails from lenders after you apply.

Inbox Loan reviews and complaints

BBB accreditedNo
BBB ratingA+
BBB customer reviews1.3 out of 5 stars, based on 121 customer reviews
BBB customer complaints229
Customer reviews verified as of16 October 2020
Inbox Loan gets mostly mostly negative online reviews. Many complaints accuse Inbox Loan of making unauthorized withdrawals from their bank account, well after they believe they’d paid off the loan. Make sure you fully understand the terms and conditions before you sign a loan agreement, renew a loan or sign up for ACH transfers.

Am I eligible?

Your credit score isn’t the most important factor with Inbox Loan. Instead, it determines your eligibility based off your ability to repay and the information you provide.

To qualify for an installment loan from Inbox Loan, you’ll need to meet three eligibility requirements:

  • You must be at least 21 years old.
  • You must a valid checking account.
  • You must live in one of Inbox Loan’s serviced states.

Does Inbox Loan offer loans in my state?

Inbox Loan operates in multiple states, but it doesn’t service the following:

  • Alaska
  • Georgia
  • Maryland
  • Montana
  • New Hampshire
  • New York
  • Utah
  • Vermont
  • Virginia
  • West Virginia

If you live in one of the states listed above, visit our short-term loans state directory to find loan options where you live. Or, browse short-term loan regulations by state to find out what types of loans are available where you live.

How do I apply with Inbox Loan?

To apply for an installment loan with Inbox Loan:

  1. Visit Inbox Loan’s site and choose Apply Now.
  2. Enter the required information and choose a loan amount.
  3. Once you apply, a representative will contact you to confirm your application.
  4. If you’ve applied before 8 p.m. ET, you may receive your funds by the next business day. Otherwise, it can take up to three days to see your loan transfer.

To complete your application, be ready to submit your:

  • Personal information. Your name, Social Security number, driver’s license number, home address, phone number and email.
  • Income information. Your income amount, pay frequency and employer information.
  • Bank details. Your account type, routing number and account number.

I got an installment loan. Now what?

Once you’ve got your loan, it’s time to start thinking about repayments. Choose to use the default schedule Inbox Loan sets, which allows you to pay back your loan over a year. However, it costs the most — you’ll pay full interest and fees on the amount you borrowed.

You can also put additional payments toward the principal. This lowers the amount you owe and reduces what you’ll pay in interest. However, you’ll need to put at least $20 toward the loan, and you’ll need to contact Inbox Loan at least three business days ahead of schedule to confirm how the extra money will be applied.

And of course, you can pay back your loan in full at any time. This will be the cheapest option, but you’ll still need to contact Inbox Loan ahead of time to get the payoff amount.

In addition to payments, fees for late or insufficient payments add up quickly. If you make a late payment or miss one entirely, Inbox Loan will charge you a $30 fee. And if there isn’t enough money in your bank account at the time of withdrawal, you’re charged another $30.

Bottom line

If you’re looking for a loan of up to $1,500 to cover an emergency expense or a gap in your budget, you may want to consider Inbox Loan. However, considering Inbox Loan’s lackluster online reputation, you may want to compare other installment loan providers to find one with more positive online reviews.

Before you borrow, make sure you know how installment loans work and that you understand the costs of a short-term loan.

Frequently asked questions

How quickly can I receive my loan?

If your application is approved by 8 p.m. ET Monday to Friday, you might see your loan funds by the next business day. Applications received after 8 p.m. ET or on weekends generally take two business days to fund.

It largely depends on your bank. Once Inbox Loan processes your application, it could take a few days for your bank to approve the amount in your account.

What is the minimum amount I have to pay by the due date?

How much you’ll pay depends on your loan contract. Each installment includes your interest and financing fee along with a small portion of your principal. Read your loan contract carefully to understand the full cost of your loan.

How do I finalize my loan with Inbox Loan?

If your application is approved, an Inbox Loan rep will call or email you to complete the process. Inbox Loan may want to confirm your identity, so keep your application materials close at hand.

What happens if I know my payment will be late?

If you don’t think you can meet a repayment, contact Inbox Loan directly at least two days in advance. A representative might be willing to work with you to adjust your repayment schedule.

Short-term loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you can trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.

Read the full methodology of how we rate short-term loan providers and similar services.

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  1. Default Gravatar
    January 31, 2019

    I am attempting to look at account but can not do so online.

    • Avatarfinder Customer Care
      February 1, 2019

      Hi Debbie,

      Thank you for reaching out to finder.

      If you are trying to access your account with InboxLoan, you may need to contact them directly as they do not have an online service for you to check you loan and repayment status. You may also check the statements you receive for the contact information of InboxLoan for easier reference. Hope this helps!


  2. Default Gravatar
    December 14, 2018

    How much do I owe on my lone for u to stop taking money I only borrowed 200 and I have payed back 400 already I want you to stop taking money out of my account

    • Default Gravatar
      December 18, 2018

      Hi Ashley,

      Thanks for getting in touch with finder! It would be best to contact InboxLoan immediately to review your account. Kindly note that fidner is not directly connected with InboxLoan or any other company advertised in our pages.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.


  3. Default Gravatar
    November 8, 2018

    Is inbox loans real?

    • Default Gravatar
      November 9, 2018

      Hi there,

      Thanks for leaving a question on finder.

      Inbox Loan’s site is secured through an SSL server, meaning your private information is safe when entered into the site’s forms.

      Note that Inbox Loan can share your information with its affiliates for business and marketing, sometimes well after you’ve satisfied your loan. You can limit or stop this sharing by contacting Inbox Loan by phone or email.

      Inbox Loan is a legit lender and they have been in the business for a long time. Inbox Loan doesn’t have many customer reviews on trusted websites like Better Business Bureau or Trustpilot. You may want to call customer service to ask about specific terms and policies to be sure you’re comfortable with applying.

      Like any other online interactions that involve your bank account, short-term loans come with risks. You can stay vigilant by looking out for unsound business practices such as guaranteed approval or upfront fees. Read our guide on payday loan scams to find out how you can tell if a payday loan is legit or not.

      Please send me a message if you need anything else. :)


  4. Default Gravatar
    September 30, 2018

    Why does InboxLoan charge over $10000 in interest? I’m asking for 1500.00 and it says I have to pay back $11000.

    • Avatarfinder Customer Care
      October 1, 2018

      Hello there,

      Thank you for your comment.

      According to InboxLoan, their interest rate varies by state of residence, loan amount and repayment period. Additionally, one of the drawbacks of this kind of loan is that it comes with high-interest rates and hefty financing fees. So if you can’t pay back your loan on schedule, you could find yourself stuck in a cycle of bad debt.

      You may contact InboxLoan directly and ask for the computation so both of you can discuss it.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  5. Default Gravatar
    September 11, 2018

    How will i know if I was approved?

    • Avatarfinder Customer Care
      September 12, 2018

      Hello Ronald,

      Thank you for your comment.

      You will know if you’re InboxLoan application is approved when one of their Loan Managers will contact you and/or you will receive an email notification to complete the application process. If you are denied, you also will receive a notification.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


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