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Blue Trust Loans Installment Loans isn't available on Finder right now.

Min. Amount: $100
Max. Amount: $3,000
Turnaround time: As soon as next business day

Summary

This tribal lender could be the answer to short-term financing needs.

finder.com's rating: 3.6 / 5.0

★★★★★

Blue Trust Loans is an alternative to payday loans. It offers online installment loans with fast turnaround times that you can pay over a fixed repayment schedule, rather than in one lump sum. But unlike other short-term loans, Blue Trust Loans doesn't answer to state usury caps. This means your interest could be much higher than expected, costing you hundreds of dollars more than you borrow.

Pros

Club Blue membership
No prepayment penalties
Quick approval
Fast turnaround
Fixed payments

Details

Product details

Product Name	Blue Trust Loans Installment Loans
Min. Amount	$100
Max. Amount	$3,000
Loan Term	Up to 9 months
Loan Security	Unsecured
Turnaround Time	As soon as next business day
Requirements	Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.

What is Blue Trust Loans?

Blue Trust Loans is a tribal lender solely owned and operated by the Lac Courte Oreilles Band of Lake Superior Chippewa Indians. It offers installment loans between $100 to $3,000, but first-time borrowers may not be eligible for the full maximum amount.
Like all short-term loans, an installment loan from Blue Trust Loans comes with a high APR — anywhere from 471.78% to 841.45%. This amount includes both interest and any origination fees you are required to pay in order to borrow. Your loan term will depend on your pay schedule, but may extend up to six months.

Why should I consider getting a Blue Trust Loans installment loan?

Club Blue membership. The Club Blue system allows people who have repaid previous loans to progressively borrow more money at lower rates for longer periods.
No prepayment penalties. Blue Trust Loans won’t charge any fees if you decide to pay off your loan balance before the due date.
Quick approval. After you apply, you could know about your approval status within a few minutes.
Same-day funding available. Some borrowers may be able to receive their loan the same day they apply. Those who are not eligible for same-day funding will receive it the following business day.
Fixed payments. Except for the first and last payments, your payment amount is the same throughout the life of your loan. Your schedule is created based on the interest rate, principal balance and number of payments.

What to watch out for

Not available everywhere. BlueTrust loans are not available in every state. Check with the lender to make sure it operates where you live before you apply.
High APR. Like most short-term loans, an installment loan from Blue Trust Loans comes with a high APR that often results in you paying much more for your loan than you originally borrowed.
Limited first-time loans. You won’t have access to a full $3,000 loans until you’ve borrowed from this lender multiple times.

How does Blue Trust Loans compare to other online installment loan providers?

6 of 6 results

Finder Score	Loan amount	Turnaround time	Requirements
9.5 Excellent EarnIn	9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	At least 18 and a US resident, Valid Social Security number, At least 60 days of banking history, Proof of consistent income, Positive bank balance, Get paid by direct deposit.	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	Important information EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.	Go to site View details Compare product selectionCompare	loading
8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	Not stated	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Chime® MyPay®	9.4 Excellent	Up to $500	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	Chime checking account, direct deposits of $200+ and only available in some states	Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions. MyPay is only offered in select states.	Important information MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings: Chime® Checking Account is required to be eligible for a Savings Account. The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 02/26/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Credit Builder: Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	+18 years old, Receive paychecks through direct deposit, $1,500 minimum monthly income, Live in eligible state	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Important information The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 99% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.	Go to site View details Compare product selectionCompare	loading
9.4 Excellent Varo Cash Advance	9.4 Excellent	Up to $250 today. Build up to $700 over time with direct deposit at Varo. Average loan: $170. Qualifications Apply.	Instant, once qualified	You must have an active Varo Bank Account with a positive balance, no delinquent Varo Line of Credit or charged off Believe account in prior 6 months. Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity.	Important information Varo Advance (VA) is a small dollar line of credit. Initial limits range from $20 - $250. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Subject to evaluation of consumer reports and Varo account activity. Negative repayment history may impact your credit. Qualifications Apply. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.	Go to site View details Compare product selectionCompare	loading
9.1 Excellent CreditNinja Installment loan	9.1 Excellent	$300 to $5,000	1 to 2 business days	Checking account at least 60 days old, regular income through direct deposit, resident of eligible state, age of majority in your state	Not available in: AK, CO, CT, FL, GA, IL, IA, KY, ME, MD, MA, MT, NV, NH, NJ, NM, NY, NC, ND, OR, VT, VA, WA, WV. Fast online funding up to $5K, but you won't know about rates and terms until after you apply.	Go to site View details Compare product selectionCompare	loading

Showing 6 of 6 results

What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

Read the full breakdown

MUST READ:

The Consumer Financial Protection Bureau (CFPB) no longer requires lenders to consider your ability to repay a loan. If you don’t repay a short-term loan on time, you could end up owing several times the amount you borrowed. Carefully review your finances and the loan cost to make sure it fits your budget.

Before you take out a short-term loan

Payday loans, installment loans and auto title loans come with high rates and fees, which can trap you in a cycle of debt. The majority of short-term loan borrowers renew their loan at least once, piling on fees that make it even more difficult to repay.

Consider alternatives before opting for a payday, installment or title loan:

Local resources. Government agencies, nonprofits and local charities often offer free financial services and help with food, utilities and rent for those in need.
Payment extensions. Talk with your bill providers about a longer payment plan or extension on your due date if you're behind on payments.
Credit cards. Credit cards typically charge lower interest rates than short-term loans, even on cash advances, making them a flexible, less costly alternative for up to the $500 you can typically take out with a payday loan.

Beware of high interest rates

Installment loans, like all short-term loans, are known for their high interest rates. Many lenders often charge $10 to $15 for every $100 borrowed, resulting in an APR that can be in the hundreds of percent. This means that you may end up paying double, triple or more on the amount you borrow. If you’re facing a difficult financial situation and are unsure of your ability to repay your loan, contact a credit counselor and consider your alternative financing options instead.

Is it safe to apply with Blue Trust Loans?

Yes. Blue Trust Loans is a member of both the Online Lenders Alliance and the Native American Financial Services Association. In addition, Blue Trust Loans’ privacy policy explains that the company can share your collected personal information, which can include your Social Security number, bank account information or credit history. You can even choose to limit some of this sharing by contacting Blue Trust Loans at 1-877-770-2682.

Customer reviews and complaints about Blue Trust Loans:

BBB accredited	No
BBB rating
BBB customer reviews	5 out of 5 stars, based on 1 customer reviews
Customer reviews verified as of	27 May 2026

Blue Trust Loans is not accredited by the Better Business Bureau (BBB) and has received a D rating due to its poor customer reviews and the time it took for Blue Trust Loans to respond to complaints. Many people left 1-star ratings, with the majority of former borrowers stating they had problems closing out their loan. Others were mortified by the high interest Blue Trust Loans charged. Unfortunately, this is to be expected with most short-term lenders that work with borrowers who have poor credit. Carefully review your contract so that you fully understand the payoff process and the amount you will have to pay on your loan.

Am I eligible?

You must have a verifiable source of income and open checking account.
You must be at least 18 years old.
You must be a US citizen or permanent resident.
You must not be involved in a bankruptcy case.

How do I apply?

In order to apply for a loan through Blue Trust Loans, you will need to supply

Your name, birth date and Social Security number
Your contact information
Your employment and income information
Your bank account information

You can apply one of two ways.

To apply online. Click Go to site to be directed to Blue Trust Loans’s application form to complete the required information.
To apply over the phone. Call 1-877-770-2682 to speak with a Blue Trust Loans representative.

You may be able to receive your loan the same day you apply if you get approved, sign the loan agreement and complete a confirmation call by 11:45 a.m. Eastern Time. But it requires you to receive your funds using an ACH bank transfer, and some financial institutions may not support these kinds of transactions. Other restrictions may also apply.

I got an installment loan. Now what?

Your payment are usually due on your paydates, with typical terms lasting six months. This means if you’re paid weekly, you will have 24 loan payments. If you’re paid biweekly, you will have 12 payments. And if you’re paid monthly, your loan will have six payments.
Be sure to budget for these payments. A missed or late payment could not only incur fees but may also cause a dip in your credit score, should Blue Trust Loans choose to report it. If you’re having trouble making payments, don’t hesitate to contact them at 1-877-770-2682 to discuss alternative options.

Bottom line

Blue Trust Loans is a good option when you need a large amount of money quickly. However, the high costs associated with borrowing could put you in a worse situation if you aren’t careful. Always budget to make sure you can afford your payments, and don’t forget to compare other online installment loan options before you borrow.

Frequently asked questions

You can contact Blue Trust Loans at 1-877-700-2839. Its hours of operation are
- 7 a.m. to 8 p.m. CT, Monday to Thursday
- 7 a.m. to 6 p.m. CT, Friday
- 8 a.m. to 2 p.m. CT, Saturday

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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Aliyyah Finder

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German

September 21, 2019

Awesome post.

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fayemanuel Finder

September 21, 2019

Hi German,

Thanks for contacting Finder and thanks for your feedback.

Please do not hesitate to contact us again.

Kind Regards,

Faye

Michelle

March 29, 2019

I took a small loan out for only $375. I have had the loan only about a week. I called customer service and asked how much it would be to pay off the whole thing before the first scheduled pay date. I was quoted $467 to pay it in full. Is this legit?

Joshua Finder

April 01, 2019

Hi Michelle,

Thanks for getting in touch with Finder. I’m sorry to hear about the problem you are having.

Upon checking, Blue Trust doesn’t charge prepayment penalties. For this reason, the excess amount of money that you have to pay could be due to the total interest rate.

For more information, it would be a good idea to directly ask Blue Trust for a breakdown of your balance. This would help clear up things and ensure you understand what you are paying. You may also want to review the terms and conditions of your loan to learn more.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers,

Joshua

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Grace

October 01, 2018

you are really a good webmaster. The web site loading pace is amazing.

It seems that you are doing any unique trick. Also, The contents are masterpiece.

you have done a wonderful activity on this matter!

November 02, 2017

Hi I really really need to find a loan because my rent is overdue and I’m not getting paid until 2 weeks from now, but I like in my. Any suggestions?

Arnold

November 02, 2017

Hi Sc,

Thanks for your inquiry

I understand how these circumstances come up once in a while. I would suggest checking out short-term payday loans. Loan terms are usually 7-30 days. This will give you enough time to pay your rent and the loan.

Hope this information helps

Cheers,

Arnold

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Latoya

October 17, 2017

Good answеr back, in return of this question with real arguments and deѕcribing everything about that.

Blue Trust Loans Installment Loans review