Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

Tribal lending payday loans

Tribal lending companies might accept bad credit, but you might not be protected by US law.

Name Product Filter Values Loan amount Turnaround time Requirements
B9 pay advance app
Up to 100% of your salary
Instant
$500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID
Withdraw 100% of your paycheck with no extra fee for instant funding.
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
Stilt
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
Get a fair loan designed for immigrants and nonresidents.
OppLoans Installment Loans
$500 to $5,000
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.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
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.
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.
BadCreditLoans.com
$500 to $10,000
Varies
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
With straightforward, simple qualifications, these loans offer easy approval for people with poor 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.
Brigit
Up to $250
Same business day to 2 business days
Have an active checking account
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
loading

Compare up to 4 providers

Tribal lending payday loans often promise easy approval and money in your bank account as soon as the next business day. And many claim sovereign immunity from US lending laws. This means tribal lenders can charge higher rates than other US-based lenders.

It also means you are less protected than you might think. Only consider a tribal lender as a final option.

What is a tribal loan?

A tribal loan is a payday or installment loan from a lender a Native American nation owns with headquarters based in the tribal community. These communities are sovereign territories, meaning lenders operate under tribal rules rather than US regulation. While the two systems share similar rules and regularities, a tribal lender doesn’t necessarily have to adhere to the same restrictions as state-based lenders.

Many tribal lenders are represented by the Native American Financial Services Association (NAFSA), which advocates and empowers Indigenous nations and communities to offer responsible online loans. Some are also members of US-based trade organizations like the Online Lenders Alliance (OLA), which sets industry standards for payday lending. But those that aren’t could be less up front about their business practices.

Tribal loans vs. payday loans

Tribal lending payday loans and US-based payday loans work similarly. The main difference is that tribal lenders aren’t subject to state restrictions on payday loans.

Many states cap fees and have limits on interest rates for installment loans. Some ban payday loans altogether. Payday lenders have to follow these rules, which is why they don’t operate in every state. But tribal lenders can charge higher interest rates and fees than legally required — and often do.

How safe is it to take out a tribal loan?

Tribal loans are generally safe, but they’re not cheap. Similar to other short-term loans, tribal loans have high fees and quick repayment terms, which makes them more difficult to repay. And because a tribal lender works under a different set of laws, it can charge interest and fees far beyond the legal limit for other lenders.

So while tribal loans are legit options, consider some alternatives.

Not sure your lender is legit? 3 common scams to look out for

Where can I get a tribal loan?

While this isn’t a definitive list, here are some of the legit tribal lenders we review:

LenderMax loan amountLoan term
Uprova$1,000 for first time borrowersVaries
Blue Trust Loans$3,000Up to 9 monthsLearn More
Plain Green Loans$3,000VariesLearn More
Big Picture Loans$3,5004 months to 1.5 yearsLearn More
Loan at Last$1,000Up to 9 monthsLearn More
Lendgreen$1,500VariesLearn More
Majestic Lake Financial$1,500VariesLearn More
Golden Valley Lending$1,000Up to 5 monthsLearn More

What to watch out for with tribal lenders

  • “Rent-a-Tribe” lenders. Tribal lenders sometimes partner with a non-Indigenous lender to offer payday loans. Often these lenders hide the fact that they’re tribal lenders in the fine print. But both are protected by the tribe’s sovereignty, so if a borrower tries to sue, they’ll find it’s not an option. This practice is sometimes known as “Rent-a-Tribe.”
  • High rates and fees. Some tribal lenders assert their business under tribal law and aren’t subject to state laws. It means tribal lenders can charge rates that would be illegal at a US-based lender.
  • Less legal protection from the US. If a tribal lender acts in any way that would be illegal in the US, you can’t sue. Tribal loans fall under tribal law and so does the lender — meaning tribal lenders can’t take you to court, either.

What happens if I default on a tribal loan?

The consequences for defaulting on any payday loan are the same with all lenders — whether your lender is based in a tribal community or the US.

Your loan is first sent to collections and will likely continue to gain late fees. Your lender might even sue you. In the worst of cases, you might be required to file for bankruptcy.

While defaulting on any loan is bad, it’s not worse with a tribal lender. Tribal lenders can’t try you in a tribal court for failing to repay a payday loan. All debt collectors must follow US law, regardless of tribal affiliation, according to the Federal Trade Commission (FTC).

How to protect yourself when you have a tribal loan

Due to high interest rates and the possibility of extra fees, have a solid plan to pay back your debt before you apply. Defaulting on your loan could cause more financial stress than you had before approaching a tribal lender.

If you choose to borrow money, read all the fine print and get a clear breakdown of the interest, fees and loan terms. You may also want to compare state-based payday loans to check your lender follows the same regulations your state has put in place to keep you safe.

Compare more lenders

To see tribal lenders you might qualify for, select your state from the dropdown list and choose Show me my options.

Name Product Filter Values Loan amount Turnaround time Requirements
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.
CashAdvance.com Payday Loans
$100 to $999
Varies by lender
Employed, at least $1,000 in monthly take-home pay, valid checking account, US citizen, over 18, valid home and work phone number, valid email address, resident of eligible state.
Use its repayment calculator to see how the loan term and amount you borrow affects the overall cost.
Blue Trust Loans Installment Loans
$100 to $3,000
As soon as next business day
Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.
Get an installment loan from an online tribal lender. Perks for returning borrowers.
loading

Compare up to 4 providers

Frequently asked questions

Get answers to common questions about tribal lending payday loans.

What does sovereign entity mean?

Sovereign entity means that an Indigenous tribe or nation is independent under its own laws. This is especially important when you’re taking out a loan as tribal lenders can charge much higher interest rates than other short-term lenders.

However, if a tribal lender states that you can’t sue them through the United States federal government, double-check the claim. Tribal nations typically have arbitration committees — mediators who manage disputes between lenders and consumers. If not, you can take them to a US court.

Where can I find the laws that apply to tribal loan?

You would have to look up the Consumer Financial Services Regulatory codes for the specific tribal nation that you’re borrowing from.

Which tribal lenders provide loans to all 50 states?

Typically tribal lenders are based according to lender-specific territory and lands. Check with a particular lender and find out what different options are offered and where.

Are payday loans available in my state?

More guides on Finder

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

    10 Responses

      Default Gravatar
      SophiaNovember 29, 2018

      Is Cash Plus Inc a tribal lender operating out of FL?

        Default Gravatar
        nikkiangcoDecember 5, 2018

        Hi Sophia,

        Thanks for getting in touch! As I’ve checked our page and the website, cash Plus is not a tribal lender.
        Hope this helps and let me know if you have questions, I’m glad to help!

        Best,
        Nikki

      Default Gravatar
      MichelleMay 14, 2018

      Is inbox loans legal in Flordia ?

        Default Gravatar
        AshMay 15, 2018

        Hi Michelle,

        Thank you for visiting finder.

        InboxLoan is a Tribal Lender run by the Kashia Band of Pomo Indians of the Stewarts Point Rancheria abide their tribal laws rather than the state regulations. InboxLoan is indeed available in Florida though here is the list of states wherein it is not offered:

        *Alaska
        *Georgia
        *Montana
        *New Hampshire
        *New York
        *Utah
        *Vermont
        *Virginia, and
        *West Virginia

        I hope this helps.

        Let us know if there is anything else that we may assist you with.

        Cheers,
        Ash

      Default Gravatar
      RodneyFebruary 9, 2018

      I’m trying to get a payday loan or short term loan and I do not have a bank account. I have several prepaid cards and I’m wondering if that is considered the same as a bank account. Thank you for your time….

        Default Gravatar
        ArnoldFebruary 15, 2018

        Hi Rodney,

        Thanks for your inquiry

        There are some lenders who offer loans on a prepaid debit card and without a bank account. Please sure to read through their terms, conditions, and features before oy start your application.

        Hope this information helps.

        Cheers,
        Arnold

      Default Gravatar
      CharlieOctober 23, 2017

      Can I borrow $200,000 and pay a big note each month say for a year then pay it off early?

        Avatarfinder Customer Care
        RenchOctober 23, 2017Staff

        Hi Charlie,

        Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

        Generally, you can pay off your loan early however, some lenders will penalize you for doing that. Most lenders that do this use it as a way of making back some of the interest you would have otherwise paid. There are also other lenders that offer personal loans with no prepayment penalties.

        Contacting your lender’s customer service may be the best option for finding out what, if any, prepayment penalties exist. If repaying your loan early will end up costing more than finishing out your regular payments, it may not be worth it.

        Cheers,
        Rench

      Default Gravatar
      DavidJuly 3, 2017

      Can I get a loan without a bank account and bad credit

        Avatarfinder Customer Care
        AnndyJuly 3, 2017Staff

        Hi David,

        Thanks for your question.

        We do have a page that will help you to compare bad credit short-term loans. Some of the lenders on the page will allow you to borrow and have the funds deposited to a prepaid debit card.

        Kindly review the eligibility criteria and the relevant terms and conditions of the loan before submitting your application to know if it is the right option for you.

        Cheers,
        Anndy

    Go to site