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eLoanWarehouse

eLoanWarehouse isn't available on Finder right now.

Min. Amount
$1,000
Max. Amount
$3,000
Turnaround time
As soon as the same day

Our verdict

This tribal lender offers fast funding but isn’t transparent about fees.

eLoanWarehouse is a tribal lender that offers installment loans up to $3,000 — although you’ll need to have paid off at least three loans to qualify for that much. New customers are only eligible to borrow up to $1,000. It doesn’t do credit checks, and you could get your loan funded the same day you apply or by the next business day. But it has very poor reviews on the Better Business Bureau (BBB), it doesn’t disclose its rates and fees and customers report rates of up to 600% or more.

Pros

  • Loans up to $3,000
  • No credit check
  • Same-day funding possible

Cons

  • Overwhelmingly poor reviews
  • Extremely high rates
  • New users can only borrow up to $1,000

In this guide

  • Our verdict
  • Your reviews
  • Ask a question

Is eLoanWarehouse legit?

The company claims to be a tribal lender — Opichi Funds d/b/a eLoanWarehouse, a sovereign enterprise wholly owned and controlled by the Lac Courte Oreilles Band of Chippewa Indians. And it appears to offer installment loans. But there are multiple lawsuits against it, alleging that it’s involved in a “rent-a-tribe” scheme where it pays a fee to a tribe to use its name to get around state laws regarding maximum interest rates it can charge. If you need a fast, short-term loan, you’re better off exploring other options.

Compare these better borrowing options to eLoanWarehouse

7 of 7 results
Updated regularly
Finder Score Max. amount per pay period Turnaround time Costs
9.4 Excellent
Up to $500
Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)
No subscription fees; Instant transfer fee: 3% of the advance amount ($2 minimum, $5 maximum)
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.
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9.5 Excellent
Up to $150/day, with a max of $1000 between paydays
1–2 business days standard; minutes with Lightning Speed
Free to use or within minutes with a fee as low as $3.99 per transfer
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.
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8.2 Great
$20 to $250
3 to 4 days or instant for a fee.
$5.99 monthly membership fee to access cash advances
Automatically monitor your spending plus access cash advances up to $100 at a time.
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OppLoans logo
9.4 Excellent
OppLoans Installment Loans
9.4 Excellent
$500 to $5,000
As soon as the same business day
99% - 195% APR
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.
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Albert logo
8.8 Great
Albert Instant
8.8 Great
$25 to $1,000
Within minutes
No subscription required
Advance up to $1,000 in minutes with Albert Instant.
Important information
Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.
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Varo logo
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: $195. Qualifications Apply.
Instant, once qualified
No membership fees, Flat Fees of $1.60 to $100
Important information
Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $700 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. 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. 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.
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CreditNinja logo
9.1 Excellent
CreditNinja Installment loan
9.1 Excellent
$300 to $5,000
1 to 2 business days
APRs over 36% plus fees
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.
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Is eLoanWarehouse the same as Eloan?

No, despite the similar names, Eloan is a separate company. Eloan is a registered trademark of Popular Inc., and it was a provider of personal loans, but it stopped in 2022. If you have an existing loan with Eloan, your loan is now being serviced by System & Services Technologies, Inc., according to Eloan’s website.

Where eLoanWarehouse falls short

The company lacks transparency about its rates and fees, making it difficult to trust. Customers complain about rates over 600% and being misled about how much the loan would cost. While some of that could be the customer’s failure to read the loan agreements carefully, legitimate lenders are up front about their rates and fees without having to scan through pages of fine print.

What makes eLoanWarehouse shine?

Other than the fact that eLoans Warehouse offers fast funding and doesn’t charge prepayment penalties — two features that are extremely common with almost all installment loans — nothing about this company stands out.

If your credit isn’t great, look around for borrowers that specialize in loans for bad credit and are transparent about rates and fees. Another option — especially if you only need a small loan — is cash advance apps, which don’t check your credit and have lenient requirements to qualify for advances up to $500 or more.

eLoanWarehouse personal loan details

Minimum credit score/credit rangeNo minimum stated
APR300% to 600%+ (based on customer reviews)
Loan amountUp to $3,000
TermsUp to 12 months
Approval turnaroundAs soon as the same day
FeesLate fees
NSF penalties
Other feesUnknown

eLoanWarehouse contact info

Phone number855-650-6641
Customer service hoursWeekdays: 8 a.m. to 5 p.m. CT
Emailinfo@eloanwarehouse.com
X, formerly TwitterN/A
FacebookN/A

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How to qualify for eLoanWarehouse

These are the qualifications listed on the eLoanWarehouse website:

  • Verifiable source of direct deposit income
  • Valid checking account
  • Meet minimum (undisclosed) income requirements
  • Not a debtor in a bankruptcy case or planning to file for bankruptcy
  • At least 18 and a US resident

How to apply

If you decide to apply, these are the steps you’ll follow:

  1. Complete the online application.
  2. Speak with a representative who will call to verify your information.
  3. Review and e-sign your agreement if approved.
  4. Receive loan funds within one business day.

A customer service representative says the company doesn’t require a credit check. If you meet its minimum qualifications, you should be approved for a loan, although it doesn’t disclose its income requirements.

eLoanWarehouse reviews and complaints

BBB accredited Yes
BBB rating A+
BBB customer reviews 1.03 out of 5 stars, based on 34 customer reviews
Customer reviews verified as of 27 March 2025

There are no reviews on Trustpilot for eLoanWarehouse. In fact, on Truspilot’s eLoan Warehouse page, it states: “it’s not possible to leave a review here anymore because the company’s website has closed.”

The company is accredited on BBB with an A+ rating, but it has only poor reviews. Customers complain about rates over 600%, the company taking multiple unauthorized payments and harassing phone calls and emails when they fell behind on payments. Many reviewers also called it a scam, with some saying they were told they were approved for a loan but were then denied.

What do people on Reddit say?

There was a thread on Reddit that had a video review of eLoanWarehouse from about a year ago, but the link no longer works.

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Lacey Stark

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Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full profile

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