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Blue Trust Loans Installment Loans review

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Blue Trust Loans Installment Loans
Min. Amount
Max. Amount
Turnaround time
As soon as next business day


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


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

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question


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.
How are tribal lenders different from US-based lenders?

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?

Name Product Filter Values Loan amount Turnaround time Requirements
Finder Score: 4.7 / 5: ★★★★★
Up to $750
1 to 3 business days, instant for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
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.
Finder Score: 4.1 / 5: ★★★★★
Up to $250
3 to 4 days standard delivery, instant with delivery fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Not rated yet
Based on the amount of accrued PTO
2 to 5 days
18+ years of age, live in eligible state, have W2 job with salary of $30k+, have PTO days accrued
Tap your unused PTO for a cash advance so you can access that money early. Available in: CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Within an hour or instant with a delivery fee
At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
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.
Fig Loans Installment Loans
$50 to $100, 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.

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.

What does the Internet say about Blue Trust Loans?

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.

  1. To apply online. Click Go to site to be directed to Blue Trust Loans’s application form to complete the required information.
  2. 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

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Aliyyah Finder


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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,




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!



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October 01, 2018

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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?



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



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October 18, 2017

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