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[Latest list update: 26 AUGUST 2019]

Loansharkpro has been constantly receiving many requests through email about building an actual list of Native American Tribal loans direct lenders. We have compiled a huge 30+ list of the Direct tribal installment & payday loan lenders. The list is mostly focused on the number of the actual active native american lenders as of 2018 – 2019. It is a listing that covers all the current active indian reservation payday loans who are issuing tribal loans to their customers.

There’s no special ranking order in this lenders list. Also, don’t think of it as list that you can use to define the quality of the no credit check tribal loan lenders’ services.

As is it’s supposed to be, the new no teletrack tribal leners will keep on appearing on the market in 2020 while several others go away. For example, in 2017 a great deal of direct tribal lenders for bad credit companies ceased their presence on the market.

To see our list of Direct Payday loan lenders click here.

Table of Contents

Mobiloans, AGolden Valley Lending, B
Bison Green, AAmerican Web Loan, C
Greenline Loans, AGreat Plains Lending, D
West River Finance, ABlue Trust Loans, D
Green Trust Cash, ABig Picture Loans, F
Bright Star Cash, AFSST Financial Services, F
CashFairy, AHarvest Moon Loans, F
Silver Cloud Financial Inc, B
Majestic Lake Financial, B
Mountain Summit Financial, B

(Sorted bt the BBB rating score)

What is a tribal loan?

Tribal loans are a payday loans alternative designed to help you meet short-term borrowing needs, such as for car repair, medical care for you or your family, travel expenses in connection with your job, or anything that requires cash quickly.


best rate guaranteed

Best rate guaranteed

Mobiloans

Get the emergency cash you need with a Mobiloans line of credit.  MobiLoans, LLC, a tribal lending entity wholly owned by the Tunica-Biloxi Tribe of Louisiana (“Tribe”), a federally recognized Indian tribe, operates within the Tribe’s reservation.

With Mobiloans, you get a line of credit, but the money you draw goes to your checking account or you can elect to receive it by check. You can draw as little or as much as you need. As you repay your line, you can draw more cash.

  • A Mobiloans line of credit is the new, more flexible way to borrow emergency cash. Use it to avoid costly bank overdraft fees and payday loans.
  • With flexible payment options and no hidden fees or prepayment penalties, a Mobiloans line of credit gives you more ways to manage life’s everyday expenses.
  • The Annual Percentage Rate (APR) ranges between 206.73% – 425.45%.
  • Learn financial basics while earning rewards with Mobiloans.
Mobiloans

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Bison Green Lending

WLCC Lending BGL does business as Bison Green Lending and is a Native American owned company operating within the boundaries of the Pine Ridge Indian Reservation in South Dakota. Pine Ridge is home to various business and economic endeavors that support our tribal members.

Bison Green Lending provides installment loans to qualified borrowers following all federal and state regulations and guidelines for lending. But remember, installment loans are still an expensive form of borrowing and are only intended to help you for your emergency financial needs.

  • The minimum initial loan amount is $200.00.
  • The maximum loan amount is $750.00 subject to approval.
  • Loan cost: Typical each loan payment is every 14 days, with a finance charge of $30 per $100 borrowed.
  • Online installment loans offer you more options to borrow less, so you can pay off your balance quicker and get back on your feet.
  • Bison Green’s cancellation policy allows you to return the full amount of your loan at no charge by 5:00 pm MST the next business day.
Bison Green Logo

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Greenline Loans

Greenline Loans is a fast and simple solution for your short-term cash needs. Applying for a loan takes just a few minutes and you can know within a few minutes if your application is approved. In most cases, your loan can be electronically deposited into your bank account the next business day!

We pride ourselves on our customer service and go to great lengths to inform you of how your loan works. We offer you loans with flexible payment options that allow you to pay back the loan at your pace.

  • Term installment loans provide the cash needed to meet immediate short-term cash flow problems.
  • The minimum loan amount is $300. The maximum loan amount for first time borrower is $300. The maximum loan amount for other borrowers is $1,000.
  •  The Annual Percentage Rate (APR) for a $300 loan is 779.99%
    (For example: a $300 loan will have a finance charge $594.33, therefore the total of payments equals to $894.33 repayed by 10 equal payments of $99.37 each charged every two weeks).
Greenline Loans

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West River Finance

West River Cash is a Native American owned business operating within the boundaries of the Fort Belknap reservation. This means all lending practices are governed by tribal law. This provides consumers with a means to receive cash they might otherwise not receive, while providing a vital means of employment to members of our tribe.

  • Loans range: $300 to $500
  • The Annual Percentage Rate (APR): 780%
installment loans APR

The table above shows a sample amortization table for West River Cash installment loans so you can see how rates and interest might be applied to your loan. Please note rates, interest and terms will be tailored to each individual customer and may differ substantially from the example below. Your loan terms will be fully disclosed in your loan contract.

West River Finance

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Green Trust Cash

Green Trust Cash, LLC, is an entity formed under the laws of the Fort Belknap Indian Community of the Fort Belknap Reservation of Montana (the “Tribe”), a federally-recognized and sovereign American Indian Tribe. Green Trust Cash, LLC, is wholly-owned by the Tribe. Green Trust Cash, LLC, is a licensed lender authorized by the Tribe’s Tribal Regulatory Authority.

  • Loans range: $300 to $1000
  • The minimum loan amount is $300. The maximum loan amount for first time borrower is $300. The maximum loan amount for other borrowers is $1,000.
  •  The Annual Percentage Rate (APR): 475% – 725%
Green Trust Cash Loan Examples chart

Manual Payments
Direct payments you make manually via cashiers check, personal check, money order, money transfer service, or bill pay via your bank.
 
Automated Payments
Payments you authorize us to draft via ACH from your account. Any debits to your account for repayment that falls on a Saturday, Sunday, or banking holiday will be debited on the next business day.
 
Payment Savings
This represents the savings per payment we give you if you choose to allow us to draft your account via ACH.
 
Life of Loan Savings
This represents your savings incentive over the life of the loan if you only make automatic payments as scheduled.

Green Trust Cash logo

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Bright Star Cash

american web loan sealNiizh, LLC does business as Bright Star Cash. Niizh, LLC is a Native American owned business created by and for the Lac Du Flambeau Indian Community, a Sovereign American Indian tribe. Our business is operated on the Lac du Flambeau Reservation located in Wisconsin. Niizh, LLC is an instrumentality and limited liability company which abides by all applicable federal laws and regulations established by the Lac du Flambeau Indian Tribe.

  • Loans range: $100 to $1000
  • The Annual Percentage Rate (APR): 510.02% – 699.98%
Green Trust Cash logo

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Cash Fairy

alert

ALERT!

Clearwater Lending, LLC d/b/a/ CashFairy.com is a Tribal enterprise and economic arm, wholly owned and operated by the Ft. Belknap Indian Community (“Tribe”), a federally-recognized sovereign American Indian Tribe, and created by the Tribal Council for the benefit of the Tribe. Any Agreement entered into through this Application shall be governed by applicable Tribal and federal law.

  • Loans range: $100 to $1000
  • The Annual Percentage Rate (APR): 510.02% – 699.98%
Cash Fairy logo

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Golden Valley Lending

Golden Valley Lending is owned by the Habematelol Pomo, a federally recognized tribal group of Upper Lake, California. We not only lend consumers money when they need it most, we offer the tribe a way of achieving economic self-sufficiency. Ancestral Pomo people have occupied parts of central and Northern California for as long as history has been recorded. And today, those who have remained or returned to the ancestral tribal lands seek to conserve the land, educate their children, preserve the Pomo culture and provide economic stability to the community and people. The Habematelol Pomo offers a payday loan alternative through Golden Valley Lending to provide you with the financial resources you need when you need it most.

Golden Valley Lending logo

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American Web Loan

american web loan sealAmerican Web Loan is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a sovereign nation located within the United States of America. American Web Loan is licensed and regulated under the Otoe-Missouria Tribal Consumer Financial Services Ordinance.

American Web Loan

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Great Plains Lending

Great Plains Lending LLC, sealGreat Plains Lending is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a sovereign nation located within the United States of America, and is operating within the boundaries of the Otoe-Missouria Reservation. Committed to giving customers a loan option that is simple, easy to understand, and hassle free to cover life’s unexpected expenses.

  • Loan Amount: $100 to $1,000 for first-time customers
  • APR: 328.11% to 448.76%
  • Loan terms: 4 – 30 months – depending on your loan amount
Great Plains Lending Logo

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Blue Trust Loans

Cash loans up to $1,250 with Blue Trust Loans. Want to know a secret? Apply now for a Blue Trust Loan and you could get up to $2,000 by the next business day. We have exclusive special offers!

  • Loan Amount: $100 – $2,000
  • APR: 471.7846% – 841.4532%
Blue Trust Loans Logo

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Big Picture Loans

Big Picture Loans was formed by the Tribe to enhance the Tribe’s self-determination and further diversify the Tribe’s economy. Big Picture Loans is an economic arm and instrumentality of the Tribe that is organized and licensed under Tribal law and is located on the Tribe’s reservation.

Get approved in just three steps! Our process is fast!

  • Big Picture Loans offers non-payday installment loans
  • Your finance charge and APR will be fully disclosed to you on your loan agreement.
  • Loan approval and amounts are based on minimum income amounts, other credit criteria, and verification of the information you provide during the application process.
  • Big Picture Loans never charges any prepayment penalties, so paying your loan off early is a great way for you to save money on interest.
BIG PICTURE LOANS

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Please be advised!

The Washington State Department of Financial Institutions (DFI) has received complaints about the following online lenders:

  • Island Finance, LLC d/b/a White Hills Cash
  • Clear Water Lending, LLC d/b/a Cash Fairy
  • West River Finance, LLC d/b/a West River Cash
  • North Star Finance, LLC d/b/a Northcash
  • Northern Plains Funding, LLC d/b/a Northern Plains Funding
  • Riverbend Finance, LLC d/b/a Riverbend Cash
  • Target Finance, LLC d/b/a Target Cash Now

Pattern of Complaint
It appears that these companies may be operating as online tribal lending companies. These companies assert ownership by the Fort Belknap Indian Community, a federally recognized Indian Tribe. These companies are not licensed by DFI and are not registered to conduct business in Washington State by the Department of Licensing, the Department of Revenue or the Secretary of State.