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Tribal lending guide — companies and rates

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Sovereign immunity lets these lenders get around regulations.

A tribal lender is a lending institution that is based on tribal land and operated by the Native American community. Tribal lenders offer many of the same products as traditional lenders, but because they are based out of reservations, they are protected sovereign territories and they don’t have to adhere to the same restrictions.

Our top pick: CashAdvance.com Payday Loans

  • Min. Loan Amount: $100
  • Max. Loan Amount: $1,000
  • Turnaround Time: 1 to 2 business days
  • Loan Term: Up to 1 month
  • Requirements: Employed, $1,000+ monthly income after taxes, US citizen or permanent resident, ages 18+
  • Quick cash loans.
  • Fast, simple application process.
  • Attempts to connect you to a lender that meets your needs.

Our top pick: CashAdvance.com Payday Loans

Use its repayment calculator to see how the loan term and amount you borrow affects the overall cost.

  • Min. Loan Amount: $100
  • Max. Loan Amount: $1,000
  • Turnaround Time: 1 to 2 business days
  • Loan Term: Up to 1 month
  • Requirements: Employed, $1,000+ monthly income after taxes, US citizen or permanent resident, ages 18+
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What is tribal lending?

Many tribal lenders are represented by the Native American Financial Services Association (NAFSA), which advocates and enables tribes to offer responsible online loans.

Many beneficial Native American programs are funded with money from short term/payday loans. These include health care, housing, and various educational and youth programs.

Tribal lenders can lend money to tribal and non-tribal borrowers, and they can even lend money to customers in states where payday lending is normally illegal. While many are legitimate and fair lenders, keep in mind that because they are a sovereign instrumentality, they cannot be sued.

Where can I get a tribal loan?

Top online tribal lenders

Blue Trust Loans

Hummingbird Funds, LLC is a sovereign enterprise, and wholly-owned and operated by the Lac Courte Oreilles Band of Lake Superior Chippewa Indians, a federally-recognized sovereign American Indian Tribe.

Blue Trust Loans is a member of the Online Lenders Alliance (OLA).

  • Max. Loan Amount: $2,500
  • Loan Term: Approximately 6 months (longer for returning borrowers)
  • Turnaround Time: As soon as next business day
  • Maximum APR: Varies

Click here for more info on Blue Trust Loans

SWIFT Payday Loans

While SWIFT works with many loan providers — including tribal lenders — to help you find a loan you qualify for and works for your needs.

  • Max. Loan Amount: $1000 for first time borrowers, $1,200 for return customers (depending on the lender)
  • Loan Term: Varies
  • Turnaround Time: Same business day to 1 business days
  • Maximum APR: Varies by state of residence

Click here for more info on SWIFT Payday Loans

Big Picture Loans

Big Picture Loans formerly operated as Castle Payday. It is a completely owned and operated entity of the Lac Vieux Desert Band of Lake Superior Chippewa Indians. This tribally-owned lender is registered with the tribe’s reservation in Watersmeet, Michigan. It carries out all its operations on tribal land within the same region.

  • Max. Loan Amount: $1500
  • Loan Term: Varies, but the average is 14 days
  • Turnaround Time: Same or next business day
  • Total Cost of Borrowing $100: $35 for every $100 you borrow

Click here for more info on Big Picture Loans

Lendgreen Installment Loans

Lendgreen is a provider of installment loans and operates within the boundaries of the Lac du Flambeau Reservation, as a federally-recognized sovereign Indian Tribe.

  • Max. Loan Amount: $400 for first time customers, $1000 for return customers
  • Loan Term: Up to 18 months
  • Turnaround Time
  • Maximum APR: 795%

Click here for more info on Lendgreen Installment Loans

ActionPayday Short Term Loans

FSST Financial Services, LLC, dba Action PDL Services owns and operates ActionPayday.com. The Flandreau Santee Sioux Tribe, a federally recognized Indian Tribe, wholly owns this company. It operates and provides short term loans from within the tribe’s reservation.

  • Max. Loan Amount: $1500
  • Loan Term: Varies
  • Turnaround Time: 1-2 business days
  • Total Cost of Borrowing $100: $30 for every $100 for 15 days

Click here for more info on ActionPayday Short Term Loans

Compare more short-term loan options

A selection of tribal loans you can apply for

Here are some loan providers that you can apply with. Note that the max loan amount is based on the lender’s max amount and your state of residence. Check the websites of any providers you’re interested in to confirm they operate where you live.

Updated September 15th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$1,500
As soon as the next business day
At least 18 years old and live in a serviced state
$1,000
1 to 2 business days
Employed, $1,000+ monthly income after taxes, US citizen or permanent resident, ages 18+
Use its repayment calculator to see how the loan term and amount you borrow affects the overall cost.
$2,500
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.
$1,200
Same business day to 1 business days
Must be at least 18 years old and employed or have regular income.
Access multiple lenders with a 5-minute application for a cash advance on your paycheck.

Compare up to 4 providers

These services could connect you with a direct lender with one simple application

These lender-connection services don’t actually fund loans. They also don’t make credit decisions. They focus on trying to connect you with a lender that might be able to provide you the funds you seek. Note that the max loan amount is based on the lenders in their network, but it will vary based on your state of residence. If you proceed with one of these services, you can confirm that the lender is reputable by checking with your local government.

Updated September 15th, 2019
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
$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.
$15,000
Same business day to 1 business days
$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.
$50,000
Same business day to 1 business days
Employed, $800+ regular monthly income, checking account, ages 18+, US citizen
Fill out a simple online form to compare offers from several lenders that may be able to help.
$10,000
As early as 1 business day
$1,000+ monthly income after taxes, valid checking account
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
$1,000
Same business day to 1 business days
Valid bank account, proof of employment or steady income, US citizen, ages 18+
No credit? Past bankruptcy? One of the lenders in its network may still be able to help.

Compare up to 4 providers

Is it safe to take out a tribal loan?

Considering that tribal lenders don’t have to follow any state statutes, a common concern is whether or not they are safe. Yes, they are generally safe, but they’re not cheap. Just like regular payday loans, tribal loans carry extremely high APRs. This is the main reason payday loans are prohibited in many states.

Avoid scams: How to make sure an offer is legit before handing over your info

What’s the controversy about?

Many American Indian tribes have the financial resources to be able to fund their lending business and are members of the Online Lenders Alliance (OLA), which offers peace of mind to consumers. Unfortunately, some less self-sufficient tribes are engaging in illegal and irresponsible lending practices in order to gain revenue.

Tribal lenders will partner with a 3rd party, non-tribal lender to provide short term loans to consumers. The tribe operates as the official owner and collects a percentage of the APR. Both the tribal lender and the 3rd party lender are protected by the tribes immunity. This practice is often referred to as a “Rent-a-Tribe.”

Tips for taking out a loan from a tribal lender

The ability to self-regulate lending codes has led to a lot of controversy surrounding tribal lenders and their practices, particularly the high APRs. Due to the high interest rates and the possibility of extra fees, it is very important to have a solid plan to pay back your debt. Defaulting on your loan could cause more financial stress than you had when you initially applied for the tribal loan. If you choose to borrow money, it’s very important to read all the fine print and get a clear breakdown of the interest, fees and loan terms.

Frequently asked questions

Are payday loans available in my state?

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10 Responses

  1. Default Gravatar
    SophiaNovember 29, 2018

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

    • Avatarfinder Customer Care
      nikkiangcoDecember 5, 2018Staff

      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

  2. Default Gravatar
    MichelleMay 14, 2018

    Is inbox loans legal in Flordia ?

    • Avatarfinder Customer Care
      AshMay 15, 2018Staff

      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

  3. 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

      Some lenders offer loans to applicants on a prepaid debit card and without a bank account. Please click this link to see your possible options.

      Hope this information helps

      Cheers,
      Arnold

  4. 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.

      Some lenders will penalize you for paying off your loan early. Most that do this use it as a way of making back some of the interest you would have otherwise paid.

      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.

      However, many lenders offer loans with no prepayment penalties.

      You can also have a look on this page for further information and compare your options.

      Cheers,
      Rench

  5. 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.

      You may check this page 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

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