List of Direct Tribal Loan Lenders (2024)

  • Top Tribal Loan Companies

    The listed companies offer direct lender tribal loans in select states. Updated 2/23/23

    Plain Green Loans
    Plain Green Loans is an online lender that offers short-term loans to underbanked and subprime consumers with emergency cash needs. The company is a registered tribal lending entity owned by the Chippewa Cree Tribe of Montana and operated from the tribe’s Rocky Boy Indian Reservation. First-time borrowers can gain quick access to loans between $500 and $1,000, while subsequent borrowers can qualify for up to $3,000.

    To be considered for a loan, candidates must submit an online application. Once approved, the funds can be disbursed within one business day. Depending on the amount borrowed, recipients must pay off the loan within 10 to 26 months. Keep in mind that the company enforces high interest rates and has upwards of 400% APR.

    They work with consumers in all states EXCEPT: Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Hawaii, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, South Dakota, Vermont, and West Virginia. The maximum loan amount is 1,000 for new borrowers.

    Maxlend is a direct tribal lender offering payday loans and installment loans that is solely owned by the Lake Superior Chippewa Indians. This Native American lender offers high loan amounts that can reach $3,000 for well qualified borrowers, and the money can be deposited into your bank account that same day. You need proof of income and a valid checking account to prequalify.

    Blue Trust allows you to complete the entire application online. After that, a customer service rep will contact you to verify additional information and review the details of signing the documents electronically. Most of their installment loan payoff terms will last for 9-14 months.

    Big Picture Loans
    Big Picture Loans is a licensed tribal lending entity owned by the Lac Vieux Desert Band of Lake Superior Chippewa Indian Tribe of Michigan. It serves as an economic arm of the tribe and earns interest by providing short-term loans to people with immediate cash needs. For first-time borrowers, the company offers loans ranging from $200 to $3,500 at an annual percentage rate between 350% and 600%. Eligible returning customers enjoy a lower APR of as little as 14%.

    The application for Big Picture Loans requires filling out a straightforward form. Once approved, funds can be released within 24 hours. To be approved for the loan, you must be at least 18, have a steady recurring income of at least $700 per month, and own an active bank account. Their installment loans are not available in all states, and those states may vary from time to time without notice. You may contact Big Picture Loans to verify.

    This company works with tribal lenders that offer installment loans and guaranteed approval tribal loans that range from $1,000 to $35,000. Unlike the direct lenders listed here, you can choose from multiple financing offers and get the best lending rates in your state. The financial institutions they work with have same day funding in most cases, with payment terms of 3 months to 3 years.

    It takes 10 minutes to complete the online application and answer subsequent underwriting questions. You should get a funding decision a few minutes after that. To qualify, you must be a United States resident, and some loan offers will require documented monthly income.

    Highway Title Loans
    Highway is affiliated with online tribal lenders that allow you to tap into your vehicle’s equity with a vehicle title loan. Like installment loans, these secured loans are available in most states and can benefit someone with a bad credit history. Funding amounts and your estimated monthly payment are based on the vehicle’s resale value, with an average loan amount of $2,000 to $4,000 from some tribal lenders.

    The verification process is fast if you provide a completely paid off vehicle. Other requirements may also include valid vehicle registration and some form of employment. If you qualify, apply online and get a funding decision in an hour with cash in one business day.

    Spotloan is a subsidiary of BlueChip Financial, a tribally-owned entity belonging to the Turtle Mountain Band of Chippewa Indians of North Dakota. The company offers short-term personal loans ranging from $300 to $800 for individuals with less-than-perfect credit scores. These loans have an annual percentage rate of up to 490% and feature a repayment term of up to 10 months, depending on the amount borrowed.

    The verification process requires filling out an online form and providing an active bank account that can accept electronic fund transfers. Candidates must also have a regular source of income to qualify. They work with consumers in all states EXCEPT: Arkansas, Connecticut, Illinois, Maryland, Minnesota, New York, North Dakota, Pennsylvania, Vermont, Virginia, and West Virginia.

    Majestic Lake Financial
    Majestic Lake Financial, incorporated in 2013, is a direct tribal loan lender owned and operated by the Habematolel Pomo tribe of Upper Lake, California. The company offers small personal loans to individuals with low credit and seeking emergency funds with flexible repayments.

    First-time borrowers can get payday loans between $300 and $1,000 while returning customers can access slightly higher amounts capped at $1,500. The application process requires filling out a form directly on the company website. Remember that the company will not disclose loan terms and interest rates until after the application process. Approved applicants can expect an annual percentage rate between 440% to 950%.

    Their services are unavailable in all states, and those states may occasionally vary without notice. You may contact Majestic Lake Financial to verify.

    Bright Lending
    Bright Lending, run by the Fort Belknap Indian Community of Montana, is an online tribal loan lender that provides short-term installment loans to people needing emergency cash. These loans range between $400 and $1,000 and are repayable within ten months. New customers are subject to an annual percentage rate between 700% and 725%, while returning customers enjoy lower rates in the region of 500% to 625%.

    Borrowers fill out an application online, which is then assessed by the company. If the direct loan is approved, the funds will be deposited in the borrower’s bank account in as little as 24 hours. Bright Lending does not consider credit score as part of its eligibility criteria.

    They work with consumers in all states EXCEPT: Arkansas, Colorado, Connecticut, Massachusetts, Montana, New York, Pennsylvania, Vermont, Virginia, and West Virginia.

    Bright Star Cash
    Bright Star Cash is a Native American-owned company operated by the Lac Du Flambeau Indian Community in Wisconsin. They provide borrowers with short-term tribal loans that can mature in 1 to 3 months. Having a bad credit score or no credit does not influence loan approval. They claim that applying for their direct lender tribal loan does not affect your credit. The only materials needed to apply are proof of a recurring and verifiable source of income and an open and active checking account. The company offers loans from $100 to $1,000 at a rate between 510.02% and 699.898%.

    They work with qualified consumers all over the country except in North Carolina and Vermont.

    MobiLoans LLC is a direct tribal loan lender owned by the Tunica-Biloxi Indian Tribe of Louisiana that offers an emergency cash line of credit. The company office is located on the tribe’s reservation but operates online. They provide a quick virtual application process that lets applicants borrow anywhere from $200 to $2,500 within minutes. Once your loan is approved, you can draw the money to your checking account or receive it by check. MobiLoans charges an Annual Percentage Rate ranging between 206.14% and 442.31%.

    They work with loan applicants in Arizona, Arkansas, Colorado, Connecticut, Georgia, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Montana, New York, North Carolina, Pennsylvania, South Dakota, and Virginia.


    Uprova is one of the newest direct tribal lenders, now providing online installment loans of $300 to $5,000. They are a tribal loan lending entity operated and owned by the Habematolel Pomo Indian Reservation. APRs will average around 35%, and lending terms last from 9 to 38 months. They claim ACH can deposit the cash into your bank account within 30 minutes after approval.

    Uprova claims that checking your loan terms and interest rate won’t affect or hurt your credit score, and you can help your credit report once you make the monthly payments. They have well over 1000 reviews with Trust Pilot, and it seems they work with applicants in most US states.

    GreenLine Loans
    Regardless of your credit score, Greenline Loans provides quick access to $300 to borrowers needing emergency cash. In addition, repeat borrowers can apply for an installment loan of up to $1,000, which is far more than you see with most payday loans. After completing the online loan agreement, approved candidates can receive funds by the next business day per state laws.

    These payday loans have a term limit of 1 to 3 months and feature flexible payment options with an interest rate of 779.99% for a $300 loan. They work with applicants in many states EXCEPT: Arkansas, Colorado, Georgia, Maryland, Minnesota, Montana, New Hampshire, New York, Wisconsin, and Washington.

    Golden Valley Lending
    Golden Valley Lending is a Native American direct lender run by the Habematolel Pomo Indian tribe of California and is licensed to operate in 35 states. By providing borrowers with short-term loans, the company assists cash-strapped individuals with immediate expenses while helping the tribe attain economic self-sufficiency through interest rates. Loans range from $300 to $1,000 for first-time borrowers and up to $1,500 for repeat borrowers. All loans are repayable in 20 decreasing bi-weekly installments, attracting an APR between 200% and 700%.

    The application asks for employment details, social security information, an email address, and proof of monthly income. Remember that Golden Valley Lending does not disclose the fees or interest on the loan beforehand and that the first installment is due in two weeks.

    Their services are unavailable in all states, and those states may occasionally vary without notice. You may contact Golden Valley Lending to verify other requirements not shown in this list.

    ZocaLoans lets people with less-than-perfect credit scores access quick, tribal loans from $200 to $1,500. The company is part of the Rosebud Lending agency, owned and operated by the Rosebud Sioux Indian Tribe of South Dakota. Loans carry an annual percentage rate of about 795% and attract a $25 penalty for late or returned payments.

    If you qualify and are approved for a loan agreement, the funds will be deposited into your bank account the next business day. Those who need the money by the end of the day are charged a $30 wire transfer fee. ZocaLoans offers borrowers a one-time payment extension that can be arranged with their agents at least two days before a scheduled payment is due.

    They offer installment loans to consumers in all states EXCEPT: Arkansas, Colorado, Georgia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, South Dakota, and Washington, DC.

    Bison Green
    Bison Green is a direct lender of online tribal loans and is currently run by Pine Ridge Reservation of the Oglala Sioux Tribe. They provide a quick online application and promise you can have the cash in your bank account within 24 hours of qualifying. Their minimum loan amount is $200 and can go up to $750 in select states.

    Interest rates for Bison Green installment loans are similar to what you see with an installment loan lender and will be around 16% for weekly installments. You can always pay your loan back early with no penalty, and the first installment payment will be on your next pay date.

    American Web Loan
    American Web Loan is a tribal lending company owned and operated by the Otoe-Missouria Tribe of Indians. It offers same business day funding for direct tribal loans with no credit check of up to $500, and there’s never a prepayment penalty. To qualify for this direct loan, candidates must earn at least $1,500 monthly and provide proof of these earnings and an active bank account. The company does not consider applications by people working in the army or those with dependents in the military.

    Their services are unavailable in all states, and those states may occasionally vary without notice. Please contact AWL to verify the updated list of conditions they service.

    Direct Tribal Lenders offer the Best Tribal Loans!

    Tribal loans are becoming more popular over the past few years as many actual payday lenders are exiting the industry. Many companies have changed their business model in response to increased federal and state regulations. They now offer low dollar payday loans online and cash advances instead of larger personal loans. This directory of direct tribal loan lenders is updated every few weeks, and we hope to add more companies to this list over the next few months.

    List of Direct Tribal Loan Lenders (1)

List of Direct Tribal Loan Lenders (2024)


Is Spotloan a tribal lender? ›

Spotloan is an online loan company owned by BlueChip Financial, a tribal lender that offers short-term personal loans with fixed payments. Spotloan offers loan amounts that range from $300 to $800 with repayment terms of up to 10 months.

Is MaxLend a tribal lender? ›

MaxLend is an online tribal lender that offers small, short-term installment loans of up to $3,000 — if you're a returning customer. New customers may apply to borrow up to $1,500.

Is Bright lending a tribal lender? ›

Bright Lending is a tribal lender owned by the Fort Belknap Indian Community of the Fort Belknap Reservation of Montana, a federally recognized American Indian tribe. It's an online lender that offers short-term personal loans, which it calls installment loans.

Is plain green a tribal lender? ›

Plain Green, LLC is a tribal lending entity wholly owned by the Chippewa Cree Tribe of the Rocky Boy's Indian Reservation, Montana, a sovereign nation located within the United States of America, and we operate within the Tribe's Reservation. For loans that are approved and accepted by 11:30 a.m.

Is Wizzcash a direct lender? ›

Wizzcash have been trading since 2012 and are a direct payday loan provider. Wizzcash is a trading name of Emergency Cash Ltd, and they pride themselves on providing an easy-to-use service and responsible lending.

Is Uprova a tribal loan? ›

Uprova Credit, LLC is a tribal lending entity and wholly-owned economic development arm of The Habematolel Pomo of Upper Lake Tribe of Pomo Indians.

Is LoanPig a direct lender? ›

LoanPig is a direct lender and credit brokering firm that specialise in offering short-term loans to consumers. LoanPig is a trading name of The Money Hive Limited and provide opportunities to apply for short-term loans to working people who may have a poor credit history.

Is credit cube a tribal loan? ›

How does CreditCube's status as a tribal entity affect my loan? CreditCube is a tribal enterprise, wholly owned and operated by the Big Valley Band of Pomo Indians, a federally-recognized American Indian tribe and sovereign government.

What is an XACT loan? ›

WHAT IS XACT? Xact is an online-only installment loan with larger loan amounts and longer terms, giving customers the funds they need to consolidate debt into one easy payment. The Xact Loan may also build credit.

Is Caribou a lender? ›

Caribou is an auto loan aggregator, meaning it works with a network of lenders to match borrowers with loans. Aspects of your loan — such as fees, service and how your personal information is used — will depend on the lender.

What states does Kiavi lend in? ›

We currently offer loans in AL, AZ, AR, CA, CO, CT, FL, GA, IL, IN, KS, KY, MA, MD, MI, MN, MO, NC, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, and WV, as well as Washington D.C. We are continuing to add states to our portfolio. Learn more about the States we lend in.

Is American Web Loan tribal? ›

American Web Loan, or AWL, is an online tribal lender operated by the Otoe-Missouria Tribe of Indians. It offers short-term loans — with six-, nine- and 12-month repayment terms — in amounts ranging from $300 to $2,500. The lender says you may qualify for a loan with bad credit or no credit.

What is the easiest loan to be approved for? ›

The easiest loans to get approved for are payday loans, car title loans, pawnshop loans and personal loans with no credit check. These types of loans offer quick funding and have minimal requirements, so they're available to people with bad credit.

What app can I borrow money from immediately? ›

Cash advance apps like EarnIn, Dave and Brigit let you borrow a small amount from your next paycheck before you receive it. This quick fix may help if you need cash in an emergency, but it's smart to consider cheaper options before you borrow from an app.

What is Ascend loans? ›

Ascend Loans, LLC (“Ascend”) subprime loans are designed to help you meet short-term borrowing needs, such as for car repair, medical care for you or your family, or travel expenses in connection with your job.

Is CreditNinja a direct lender? ›

Direct Loan

Direct lenders can be banks, nontraditional lending institutions, or the government. CreditNinja is also a direct lender. We offer direct installment loans to our borrowers.

Is LendingPoint a direct lender? ›

LendingPoint is an Atlanta-based direct lender, redefining who can access money at fair rates.

Is Lendly a direct lender? ›

Lendly is an online lender that offers small loans of up to $2,000 to people with at least six months of job history. Stellar credit isn't required, but be aware that you'll have to let Lendly draw directly from your paycheck for repayment.

What are harmony loans? ›

Harmoney is an online direct personal lender that operates across Australia and New Zealand. The company was established in 2014 to introduce peer-to-peer lending to New Zealand. Harmoney provides risk-priced, unsecured personal loans up to $70,000 and has issued NZD $2 billion worth of loans as of March 2021.

What kind of loan is from Lendumo? ›

Lendumo is a tribal lender that provides short-term installment loans for small amounts, with an online application process and potentially fast funding. But Lendumo admits that its loans are expensive, and the lender isn't upfront about its rates until after you apply.

Who is ZocaLoans? ›

ZocaLoans is an online lender that offers small, emergency personal loans for people without good credit. If approved, you may receive the money fast — but with triple-digit interest rates and fees, ZocaLoans should be a last resort.

Is Buffa a direct lender? ›

Direct Lender Loans FAQs

Is buffa a direct lender? Yes, buffa is an FCA approved and regulated direct lender.

Are Satsuma loans still trading? ›

If people still want to make a claim to the Scheme of Arrangement for Satsuma or Provident Loans, they have until the end of February 2022 to do so. The Scheme also covers Glo and Greenword Personal Loan customers.

Is Swift money a direct lender? ›

As a broker and not a direct lender, Swift Money will not provide financial services directly to customers, but will find lenders or providers for you instead.

What is a Mashonisa loan? ›

What is a mashonisa loan? Anyone who lends money to people in his or her community but is not a registered lender with the National Credit Regulator is referred to as a mashonisa. A mashonisa is essentially anyone in your community who is willing to lend money to people in need.

Does Americash loans check credit? ›

No Credit Check Loans

All you have to do is complete the online application, sign your documents in the customer portal, and your loan will be securely deposited into your bank account.

What is White Rock loans? ›

White Rock is an online lending marketplace that provides access to small loans of up to $5,000 through its network of lending partners. White Rock says it may connect applicants to lenders owned by Native American tribes on tribal land.

What is a Bridget loan? ›

Brigit is an app that provides paycheck advances of up to $250 without charging interest. It's a good option for anyone who needs an occasional emergency loan, but this convenience does come with a cost.

What is a flipper loan? ›

Flipper loans are specifically designed to finance the purchase and repair of property investments. After the property is bought, the flipper loan allows real estate investors to apply their strategies: whether they choose to fix and flip, or fix and rent, their real estate investment.

What is Xpress loan? ›

Xpress credit loan: meaning

This govt personal loan scheme offers individuals instant loans to meet their financial needs. Individuals can get a loan of up to 20 Lakh under the scheme. The interest charged ranges from 10.65% to 14.15% p.a. The loan tenure is for a minimum of six months and a maximum of six years.

What is Fiona lender? ›

Fiona is an online marketplace that helps customers compare lenders based on specific requirements. Fiona acts as a comparison tool between different lenders and connects you with companies that offer the services you're searching for. Find Personal Loans near you. View Rates.

Is Halifax a lender? ›

Halifax is primarily a prime lender, which is to say it mainly lends to people with a "good" or "excellent" credit history. It offers both residential and buy-to-let mortgages, with a range of fixed-rate or tracker-rate deals.

How many lenders are in Kiva? ›

Go public on Kiva, with your loan visible to over 1.6 million lenders worldwide.

Does Kiavi pull credit? ›

The system will do a soft credit pull as part of the prequalification – unlike hard inquiries, soft inquiries will not affect your credit scores. When qualifying real estate investors for long-term financing on rental properties, Kiavi will look at FICO and leverage as qualifiers to originate the loan.

Where can I borrow funds? ›

  • Banks.
  • Credit Unions.
  • Peer-to-Peer Lending (P2P)
  • 401(k) Plans.
  • Credit Cards.
  • Margin Accounts.
  • Public Agencies.
  • Finance Companies.

Can you borrow money from the US government? ›

What is a loan from the federal government? Government loans serve a specific purpose such as paying for education, helping with housing or business needs, or responding to an emergency or crisis. Loans are different from grants because recipients are required to repay loans, often with interest.

Who owns 1st Tribal Lending? ›

Brett Robinson is the Founder and Managing Director of 1st Tribal Lending. 1st Tribal specializes in the HUD Section 184 loan program which is an FHA like program for Native Americans.

Does LendNation check credit? ›

Will you check my credit score? Your credit score will not be used by LendNation. However, we may access certain credit history information during the evaluation process.

What is Greenline loans? ›

Greenline Loans are designed to help you meet your short-term borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for longer-term credit or other financial needs.

Can you get a personal loan with a credit score of 550? ›

Though it may be more challenging to find a lender that's willing to work with you, it is indeed possible to obtain a loan with a credit score of 550. Most lenders require a minimum credit score of between 600 and 650, but some lenders specialize in personal loans for those with lower scores.

What is a hardship loan? ›

A hardship loan doesn't have an official definition, but many personal finance institutions may offer their own version of hardship loans. At its core, a hardship loan is a loan that can help you get through unexpected financial challenges like unemployment, medical bills, or caregiving responsibilities.

How can I get urgent money online? ›

How do I get emergency money? You can avail of emergency loans to fund unplanned expenses. Download the IDFC FIRST Bank app and apply for a personal loan. Post verification, you should have the loan amount in your account within 24 hours.

How do I borrow $200 from cash App? ›

How To Use Cash App Borrow
  1. Open the app and sign in.
  2. Click on your account balance.
  3. Click on 'Borrow'
  4. Tap on 'Unlock'
  5. Choose your repayment option.
  6. Agree and accept.

How do I get instant cash? ›

Once those subside, you'll find there are ways to get your hands on quick cash, without falling prey to scams.
  1. Sell spare electronics. ...
  2. Sell your gift cards. ...
  3. Pawn something. ...
  4. Work today for fast cash today. ...
  5. Seek community loans and assistance. ...
  6. Ask for forbearance on bills. ...
  7. Request a payroll advance.
Dec 14, 2022

What app can I borrow $500 from? ›

No credit check and no interest! Get up to $500 instantly (1) with ExtraCash™ from Dave. There's no interest, credit check, or late fees.

What is a Delta loan? ›

Delta Loan means a loan made by the Seller pursuant to the program designated as the Delta Program.

What are blue loans? ›

Specifically, Blue Bonds and Blue Loans are innovative financing instruments that raise and earmark funds for investments such as water and wastewater management, reducing ocean plastic pollution, marine ecosystem restoration, sustainable shipping, eco-friendly tourism, or offshore renewable energy.

What is GTR loan? ›

GTR Financing means Indebtedness incurred or to be incurred pursuant to a loan or a sale-leaseback transaction entered into or to be entered into by the Borrower in connection with the Borrower's GTR Assets.

Who owns Spotloan? ›

Spotloan is an online loan company owned by BlueChip Financial. It offers short-term personal loans with fixed payments. The company is headquartered in Belcourt, North Dakota.

What is a tribal payday loan? ›

Tribal loans are made by lenders owned by Native American or Indian tribes, and the lenders operate within their tribe's reservation. Tribal loans are often advertised as an alternative to payday loans for people who need emergency cash.

Does Spotloan show up on credit report? ›

Does Spotloan report payments to credit companies? No, Spotloan doesn't report monthly payments to the three main credit bureaus.

How to get out of tribal payday loans? ›

How to Get Out From Under Tribal Loans
  1. Informing your creditor that you will no longer be paying your loan because it's illegal.
  2. Closing the bank account you used for the loan and opening a new one.
Dec 21, 2022

What app can I borrow money from today? ›

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How many tribal lenders are there? ›

Native American-owned banks are the smallest category of minority institutions in the U.S. There are 18 Native-owned banks with more than 51% of their voting stock owned by Native American or Native Alaskan individuals, as recognized by the FDIC.

Is uprova a payday loan? ›

Uprova is Not a Payday Loan Lender

Payday loans are aggressive, short-term forms of credit that require borrowers to repay the entire loan amount plus very high-interest fees on their very next payday.

How can I get a loan without going on my credit report? ›

Consider a soft credit check loan instead.

There is an alternative to choosing no credit check loans when you're in need of some quick cash: You could apply for a bad credit loan that performs a “soft” credit check instead. Unlike hard checks, soft checks don't end up on your credit report and don't affect your score.

What loans do not do a credit check? ›

There are a few different types of loans that do not require a credit check, such as payday loans, no credit check installment loans, personal loans with no credit check, most federal student loans, and some credit-builder loans.

Is MobiLoans a tribal loan? ›

Mobiloans is a flexible line of credit that extends up to $2,500. Who is my Lender? MobiLoans, LLC, is a tribal lending entity wholly owned by the Tunica-Biloxi Tribe of Louisiana, a federally recognized Indian tribe that operates within the Tribe's reservation.

Who is lendumo? ›

Lendumo, formerly called Amplify Funding, is an online lender that provides short-term loans for small loan amounts. The company is based in Wisconsin and is a tribal lender run by the Lac du Flambeau Band of Lake Superior Chippewa.

Can tribal lenders sue me? ›

Yes, in theory, a tribal payday loan company can sue you. However, this is typically very rare because there is speculation that suing in state court could jeopardize their sovereign immunity. But they can only sue you if you've violated your initial loan agreement and are in default.

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