Blue Trust Loans

Blue Trust Loans lets you apply for an installment loan, advance loan, cash loan, or personal loan.

Blue Trust Loans started in 2014, and is based in Hayward, Wisconsin. It was previously known as Hummingbird Funds, LLC. The company offers a number of loans that can be used as a payday loan alternative. Blue Trust Loans is owned and controlled by a sovereign American Indian Tribe.

Other personal loan comparisons you can make

Rates last updated June 25th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Table Image Minimum Credit Score Max. Loan Amount APR Requirements
Prosper Personal Loan Prosper Personal Loan 640 $35,000 From 5.99% (fixed) Must be 18+ years old, an American citizen or US permanent resident and have a 640+ credit score. Go to site More
Lending Club Personal Loan Lending Club Personal Loan 660 $40,000 From 5.99% (fixed) You must be over 18 years of age, a permanent resident of the US or an American citizen and have a steady source of income. Go to site More
SoFi Personal Loan Fixed Rate (with Autopay) SoFi Personal Loan Fixed Rate (with Autopay) Good to excellent credit $100,000 From 5.49% (fixed) You must be a U.S. citizen or permanent resident 18 years or older. Go to site More
Laurel Road Personal Loans Laurel Road Personal Loans Good to excellent credit $45,000 From 5.75% (fixed) Must be a US citizen or permanent resident with a valid I-551 card Go to site More
Upstart Personal Loans Upstart Personal Loans 620 $50,000 From 7.16% (fixed) Must be 18+ and a US citizen or permanent resident. Must have good to excellent credit. Go to site More
NetCredit Personal Loan NetCredit Personal Loan 550 $10,000 From 34% to 155% depending on your state of residence% (variable) Varies depending on your state of residence. Go to site More
OneMain Financial Personal Loans OneMain Financial Personal Loans 600 $25,000 From 12.99% (fixed) Eligibility for a loan is determined by your financial history, credit history, income and expenses, and whether or not you have ever filed for bankruptcy. More

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Types of loans you can get from Blue Trust Loans

Blue Trust Loans offers a variety of loans that can act as an alternative to a payday loan. You can apply for a loan no matter where you are in the US, since Blue Trust Loans can help on a remote basis. Clients can sign documents electronically.

  • Advance Loans. Advance loans are helpful for people struggling with a financial situation. They can offer funding fast. Payments are scheduled by how often you are paid by your place of employment.
  • Cash Loans. If you need cash fast, a cash loan can help you out of a jam. These loans are good if you find yourself with an unexpected critical expense. They have an easy approval system with minimal eligibility requirements.
  • Personal Loans. Personal loans can be used as a solution to whatever you need, and are not tied to anything specific. Personal loans can be used to help you out of any kind of financial bind, whether it is caused from medical bills, wedding charges, home repairs, etc. These loans are unsecured, and usually come in six-month terms.
  • Installment Loans. With installment loans, you don’t have to make payments in one large lump sum. Instead, you can pay over time through a fixed repayment schedule.

What are the benefits of borrowing with Blue Trust Loans

  • Quick decision. If you apply within business hours, you could get an approval decision within five minutes.
  • Fast payment. If your application is approved, you could get funding in your bank account as soon as the next business day. New customers can borrow up to $1,000, and previous Blue Trust Loans customers can borrow up to $1,250.
  • No prepayment penalties. You will not be charged any fees or penalties if you decide to make payments before the due date. Doing this will not result in any kind of discount.
  • Schedule payments. Payments are scheduled, so you don’t have to worry as much about accidentally forgetting a payment. They are coordinated with how often you are paid from your job. For example, if you are paid biweekly, you will have 12 payments. If you get paid weekly, you will have 24 loan payments. If you are paid monthly, your loan will have six payments.
  • No collateral. Since the loans are unsecured, you don’t have to worry about collateral.

The costs of borrowing

Blue Trust Loans does not provide a lot of specific information on the costs of fees. Interest rates are higher than average from 471.7846% p.a., depending on origination fees and the lifetime of the loan. The website explains that interest rates are derived from a concept of charging a fee per $100 borrowed each pay period.

Is it safe to borrow from Blue Trust Loans?

Across the board, Blue Trust Loans has more negative customer reviews than positive ones. Blue Trust Loans is not accredited with the Better Business Bureau, and it received a C rating. It is smart to approach this company will caution, especially because of its privacy policy. Blue Trust Loans is upfront about the fact that it will share customer information with other third-party companies. Blue Trust Loans can share your social security number, bank account information, credit history, etc. This policy even applies for people that were denied a loan, or who paid off their loan in full. The company suffers from multiple complaints and allegations about predatory lending practices. Additionally, since it is a sovereign instrumentality, it cannot be sued in court.

How can you get a loan from Blue Trust Loans?

Applying for a loan is easy, and requires applicants to meet the following eligibility requirements:

Eligibility criteria:

  • 18 years old
  • US citizen
  • Verifiable source of direct deposit income
  • Open and operating checking account (Blue Trust Loans doesn’t accept savings or prepaid accounts)
  • Take-home pay that meets minimum income requirements
  • Not a debtor or in a bankruptcy case

The application is online, and requires the following information and documentation:

Required documents & information:

  • Name
  • Requested loan amount
  • Social security number
  • Residential address
  • Email address
  • Phone number
  • Birthdate
  • Income information
  • Bank account information

Frequently Asked Questions

Applying is easy and quick. You can apply online in minutes.

You can cancel your loan if you do so within your recession period. This period is short, and usually ends at 5:00 PM on the day of loan disbursement. To cancel, you must fax or email your request.

It is no problem if you don’t have a printer. Blue Trust Loans can fax or email all of the loan documents to you. Plus, you can sign all of your loan documents electronically.

Blue Trust Loans welcomes returning customers. In fact, returning customers can borrow up to $1,250 – $250 more than new customers.

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