30+ List of Direct Tribal Loan Lenders no credit check


Latest list update: 08/10/2022

We have been constantly receiving many requests through email about building an actual list of Native American Tribal loan 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 2020 – 2021. It is a listing that covers all the current active Indian reservation payday loans that are issuing tribal loans to their customers.

There’s no special ranking order in this lenders list. Also, don’t think of it as a 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 lenders will keep on appearing on the market in 2021 while several others go away. For example, in 2017-2020 a great deal of direct tribal lenders for bad credit companies ceased their presence on the market. Please bookmark this page to keep updated on the New tribal loan lenders in 2022.

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

Table of Contents

Mobiloans, A Golden Valley Lending, B
Riverbend Cash American Web Loan, C
Greenline Loans, A Great Plains Lending, D
West River Finance, A Blue Trust Loans, D
Green Trust Cash, A Big Picture Loans, F
Bright Star Cash, A FSST Financial Services, F
CashFairy, A Harvest 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.


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.

Mobiloans Trustpilot review score

  • Loan amount: $200-$2,500
  • APR: 206.14% – 442.31%
  • Loan term: 24-84 months
  • Credit score: Poor/Fair/Good/Excellent

Click here to visit the website

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  • 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.
  • With Mobiloans, you are only charged 2 types of fees: Cash Advance Fee and Fixed Finance Charge.
  • Learn financial basics while earning rewards with Mobiloans.

Qualifying for a tribal personal loan is easy.

Applicants need to meet the following minimum requirements:

  1. Have a steady income of at least $700.00 per month from a verifiable source.
  2. Have an open bank account in good standing.
  3. Be reachable by phone.
  4. Be at least 18 years old and a permanent U.S. resident.
  5. Have a valid email address.

How Is Mobiloans different from the other direct tribal lenders?

Choose Mobiloans and if approved you may get the funds you need in as little as 24 hours, with no hidden fees.

  • Earn 15% – 80% off cash advance fees and fixed finance charges when you make on-time payments.
  • Mobiloans performs soft credit inquiries and will not impact your credit score.
  • If all the pertinent information is received by 5:00 p.m. CST and can be verified on Tribal land the same day, you will generally receive the funds via ACH as early as the next Business Day.
  • Bad credit problems won’t always prevent applicant from being approved for an installment loan from Mobiloans.

Mobiloans review, what to watch out for:

  • We encourage you to pay off the loan as quickly as possible to save on interest.
  • Mobiloans is an expensive form of short term credit and should not be used as a long term solution.
  • Tribal lender personal loans should be used for short-term financial needs only, not as a long-term financial solution.
  • There is a Cash Advance Fee of $3.00 for each $20.00 of cash advanced up to $500.00; a Cash Advance Fee of $2.00 for each $20.00 of cash advanced over $500.00 up to $1,000.00; a Cash Advance Fee of $1.60 for each $20.00 of cash advanced over $1,000.00 up to $1,400.00; $1.40 for each $20.00 of cash advanced over $1,400.00 up to $2,000.00; and $1.00 for each $20.00 of cash advanced over $2,000.00.
  • Additional fees may apply for checks returned due to insufficient funds.
  • Fixed Finance Charges vary depending on the outstanding principal balance from $10.00 – $135.00 per billing cycle.

Better alternatives to Mobiloans

Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

  • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
  • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

Customer support contact information:
Automated customer support is available 24 hours a day by: 877-836-1518
Live customer support is available:
7:00 AM – 7:00 PM CT, Monday – Friday
7:00 AM – 3:00 PM CT, Saturday

Payment Address:
Make checks payable to MobiLoans, LLC
P.O. Box 42917
Philadelphia, PA 19101

Mailing Address:
For questions, please contact us at the address below:
MobiLoans, LLC
P.O. Box 1409
Marksville, LA 71351

Physical address:
MobiLoans, LLC
151 Melacon Drive
Marksville, LA 71351

BBB Rating: A-

Years in Business: 6
Business Started: 9/30/2011
Alternate Business Name: Mobiloans
Business Management: Mr. Marshall Pierite, CEO

Mobiloans tribal lender installment loans are not available to residents of all states, and those states may change from time to time with or without notice. Mobiloans does not operate in Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Dakota, Vermont and West Virginia.

RiverbendCash

Riverbend Finance, LLC d/b/a Riverbend Cash and RiverbendCash.com are Native American-owned businesses organized under the laws of the Fort Belknap Indian Community, a federally recognized Indian tribe and sovereign nation located within the exterior boundaries of the Fort Belknap Reservation of Montana in the United States of America.

When unexpected expenses or emergencies arise, RiverbendCash.com can meet your short-term cash needs quickly and easily without you ever having to leave your home or office! We can also assist you from your mobile device while you’re on the go!

    Click here to visit the website

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    How do I qualify?

    1. Proof of a consistent source of income for at least the past 90 days
    2. To be 18 years of age or older and a citizen or permanent resident of the United States
    3. To have a take-home pay of at least $1,000.00 per month after taxes
    4. To have a valid checking account in your name
    5. To have a valid email address, a current home phone number (as well as a work phone number, if applicable).

    How Is Riverbendcash different from the other direct tribal lenders?

    Applications processed and approved before 5:00pm Mountain Time Monday – Friday are typically funded on the next business day. After your installment loan is approved, the money is electronically deposited into your checking account and available the next business day.

    • It only takes as little as 3 minutes to fill in the application and just a short phone call to verify application information. The process can be completed, in most instances, within 5 minutes.
    • Bad credit or no credit history, Riverbendcash understands installment loans may be the only resource some people have for a loan.
    • You don’t need good credit to receive a loan – your regular source of income is your security. Riverbend Finance, LLC does not utilize traditional credit bureaus in the same manner employed by other lenders.
    • Even with another loan outstanding you may still qualify for an installment loan.

    How do Riverbendcash loans compare?

    You always have the option to pay your loan off in full with no pre-payment penalty. In fact, Riverbend Finance, LLC encourages the accelerated reduction of loan principal to reduce the total of payments made by the customer, thereby reducing the overall cost of credit.

    Riverbendcash review, what to watch out for:

    • We strongly encourage principal reduction and early payment to reduce your finance charges.
    • Riverbendcash is an expensive form of short term credit and should not be used as a long term solution.
    • Your full repayment schedule for your loan will be disclosed in your loan agreement.
    • Riverbendcash is a Native American owned business, and as such, tribal law will apply to your loan contract, and not state law.
    • If a payment is not made by your due date, you will be subject to additional fees. If a payment is returned because there are non-sufficient funds, or your payment is dishonored by your financial institution for any reason, then you will be assessed an NSF fee of $30.00. If a payment is not paid within five (5) calendar days you will pay a late fee in an amount equal to 10% of the amount of the payment not paid in full.

    Riverbend cash customer support contact information:
    For customer service issues please call 888-387-1977
    E-mail: CustomerService@RiverbendCash.com

    Mailing Address:
    PO Box 557, Hays, MT 59527-0557

    👉 TRIBAL HOTLINE

    If you have already contacted Customer Service in an attempt to resolve and issue or concern and still need additional assistance, please contact the Fort Belknap Tribal Hotline at 888-517-3696 between the hours of 9:00am and 5:00pm Mountain Time.

    BBB Rating: 

    Years in Business: 7
    Business Started: 4/30/2012
    Alternate Business Name:

    • Riverbend Finance, LLC
    • RBC Servicing

    Business Management:

    • Ms. Michelle Fox, CEO
    • Ms. Deanna Landreth, Company Contact

    Riverbendcash does not lend to residents of Alaska, Arizona, Arkansas, Colorado, Connecticut, District of Columbia (D.C.), Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, Vermont, Virginia or West Virginia. Availability of installment loans are subject to change at any time at the sole discretion of RiverbendCash.com



    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.

    • Loan amount: $300-$1,000
    • APR: 779.99% for a $300 loan
    • Loan term: 1-3 months
    • Credit score: Poor/Fair/Good/Excellent

      Click here to visit the website

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      Qualifying for a tribal personal loan is easy.

      Applicants need to meet the following minimum requirements:

      1. Must be employed (or receive a regular income)
      2. Earn at least $1000 per month
      3. Must be at least 18 years of age and a U.S. citizen
      4. Must have a checking account
      5. Other requirements may apply

      How Is Greenline Loans different from the other direct tribal lenders?

      • Automatic ACH Direct Debit – You can authorize payments to be taken out automatically from the bank account where the money was received.
      • Make a payment via Debit card or a Certified Check.
      • Pay early and there is no prepayment penalty. Finance charges do not continue to accrue on amounts that have been prepaid, but only on the unpaid balance of the loan.

      Greenline loans review, what to watch out for:

      • We encourage you to pay off the loan as quickly as possible to save on interest.
      • Greenline Loans is an expensive form of short term credit and should not be used as a long term solution.
      • Tribal lender personal loans should be used for short-term financial needs only, not as a long-term financial solution.
      • Loans are written for the maximum number of payments available. No extensions, renewals, or “rollovers” are permitted. A borrower may pay off his/her loan early (prepay) and avoid or reduce finance charges that would otherwise be incurred if the loan is not paid off early. Please call us if you have concerns with making a payment in a timely manner (877) 596-1337. In many cases we will be able to reschedule your payments.
      • Any late or non-payments may be subject to additional fees and/or collection activities. Late charge fees will not exceed 10% of any payment not received within 5 calendar days of its due date.
      • Greenline loans verifies applicant information through national databases including, but not limited to, Clarity, Factor Trust and MicroBilt and we may pull your credit in order to determine your eligibility and ability to repay.

      Better alternatives to Green Line Loans

      Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

      • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
      • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

      Customer support service:

      If this is your first call to customer service, please call (877) 596-1337

      If you have already contacted Customer Service in an attempt to resolve an issue or concern and still need additional assistance, please contact the Ft. Belknap Tribal Hotline at (888) 517- 3696.

      Hours of operation:

      Monday – Thursday: 7:00 AM to 7:00 PM MST. Friday: 7:00 AM to 5:00 PM MST.

      Mailing Address:
      For questions, please contact us at the address below:
      PO Box 507 Hays, MT 59527-0507

      BBB Rating: A+

      Years in Business: 5
      Business Started: 11/12/2012
      Alternate Business Name: Spot On Loans LLC
      Business Management: Ms. Paula Hawley, Compliance Manager; Ms. Michelle Fox, CEO

      Greenline Loans does not lend to residents of Arkansas, Colorado, Georgia, New Hampshire, New York, Maryland, Minnesota, Montana, Puerto Rico, Utah, Vermont, Virginia, Washington, and West Virginia. Availability of installment loans are subject to change at any time at the sole discretion of Greenline Loans.



      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.

      • Loan amount: $500
      • APR: 800%
      • Loan term: 1-6 months
      • Credit score: Poor/Fair/Good/Excellent

      Click here to visit the website

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      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.

      Qualifying for West River Finance tribal personal loan is easy.

      Applicants need to meet these minimum requirements:

      1. You must have consistent, verifiable income and an active bank account that has been open for at least ninety (90) days.
      2. You must be 18 years of age or older.
      3. You must also receive income of at least $1,500 per month.
      4. Military personnel and individuals with dependents in the military are not eligible.

      How Is West River Finance better than the other direct tribal lenders?

      • Your application is reviewed in just a few minutes.
      • You will receive the deposit directly to your bank account the next business day following your loan approval (for applications processed by 4:30 p.m. ET).
      • You can make a payment before or on the due date as specified in your loan agreement via ACH, debit, cashiers check or money order.

      West River Finance review, what to keep in mind and to watch out for:

      • We encourage you to pay off the loan as quickly as possible to save on interest.
      • Generally, your due date will fall on your next pay date.
      • If payment is 3 days or more late or if your payment is returned by your bank for any reason, you will be charged $30 dollars.
      • If you need to change your payment schedule for any reason, you must notify West River Cash at least two (2) business days prior to the next payment date you are scheduled to make.
      • Due Date Options: Your first payment is due on your following pay date. If that day happens to fall on a weekend or holiday, the payment will be due on either the business day immediately prior to or the business date immediately following; this will be specified in your loan agreement.

      Better alternatives to West River Cash

      Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

      • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
      • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

      Customer support service:

      To reach the West River Finance LLC customer service, please call 1-800-890-7700

      Physical Address:
      For questions, please contact West River Finance LLC at the address below:
      PO Box 30, Hays, MT 59527-0030
      Fax: (888) 983-4100

      BBB Rating: A

      Years in Business: 6
      Business Started: 4/15/2012
      Alternate Business Name: West River Finance LLC
      Business Management:

      • Principal: Ms. Michelle Fox, CEO
      • Customer Contact: Ms. Paula Hawley, Compliance Manager

      West River Cash does not lend to residents of West Virginia, New York, Montana, Maryland, or Arkansas. Availability of installment loans are subject to change at any time at the sole discretion of West River Cash.



      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.

      • Loan amount: $300-$1,000
      • APR: 475% – 725%
      • Loan term: 1-3 months
      • Credit score: Poor/Fair/Good/Excellent

      Click here to visit the website

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      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.

      Qualifying for Green Trust Cash tribal personal loan is easy.

      Applicants need to meet the following minimum requirements:

      1. Recurring and verifiable source of income
      2. Meet external and internal underwriting requirements taken in whole or in part
      3. Legally meet all requirements to enter into a contract
      4. Have an open and active checking account

      How Is Green Trust Cash better than the other direct tribal lenders?

      • Bad credit or no credit alone does not determine loan approval.
      • Instant Bank Verification (IBV) is a safe and secure process that allows us to temporarily view your bank statements. It will not allow the lender to access, withdraw, credit, or transfer funds from your account.
      • Your funds will be electronically deposited via ACH to your bank account on the next business day.
      • There are no pre-payment penalties and paying off your loan off faster will save on finance charges

      Greenline loans review, what to keep in mind and watch out for:

      • Green Trust Cash does not perform credit checks with the three major credit reporting bureaus (Clarity, Factor Trust, and MicroBilt), however, credit checks or consumer reports may be obtained by alternative providers, as well as verification of identity data points and active military status verification.
      • Your first scheduled loan payment will be at a minimum 7 days from your funding date.
      • If payment is 5 days late a charge equal to 10% of the payment due will be applied, furthermore, non-sufficient funds/returned item fee of $30 may be applied.

      Better alternatives to Green Trust Cash

      Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

      • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
      • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

      Customer support service:

      To reach the Green Trust Cash customer service, please call (1-866) 479-0784

      Mailing Address:
      For questions, please contact Green Trust Cash at the address below:
      PO Box 340, Hays, MT 59527-0340

      BBB Rating: A-

      Years in Business: 6
      Business Started:  2/29/2012
      Business Management:

      • Ms. Michelle Fox, CEO
      • Ms. Tanya Hattabaugh, Company Contact
      • Mr. Jeff Forsey, Company Contact

      Green Trust Cash does not lend to residents of Arkansas, Connecticut, Massachusetts, Montana, New York, Pennsylvania, Puerto Rico, Vermont, Virginia, West Virginia, American Samoa, Armed Forces Americas, Armed Forces Europe/Canada/Middle East/Africa, Armed Forces Pacific, Canal Zone, Commonwealth of the Northern Mariana Islands, Guam, Marshall Islands, Minor Outlying Islands/States of Micronesia, Northern Mariana Islands, Outside US, Palau, Phillippine Islands, Trust Territory of the Pacific Islands, Virgin Islands. Availability of installment loans are subject to change at any time at the sole discretion of Green Trust Cash.



      Bright Star Cash

      Niizh, 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.

      • Loan amount: $100-$1,000
      • APR: 510.02% – 699.98%
      • Loan term: 1-3 months
      • Credit score: Poor/Fair/Good/Excellent

      Click here to visit the website

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      Below are two $300.00 loan sample payment schedules listed for a new customer and a returning customer at the Elite Level. Please note that the APR may vary and is based upon the total loan duration, amount funded and payment frequency.
      Number of Payments Amount of Payments When Payments are Due
      15
      1
      $77.59
      $76.43
      Bi-Weekly (Each Friday) Beginning 02/16/2018
      Installment Loan Schedule (New Customer)
      ANNUAL PERCENTAGE RATE

      The cost of your credit as a yearly rate.

      FINANCE CHARGE

      The dollar amount the credit will cost you.

      AMOUNT FINANCED

      The amount of credit provided to you or on your behalf.

      TOTAL OF PAYMENTS

      The amount you will have paid after you have made all of the payments as scheduled.

      699.98% $940.28 $300.00 $1,240.28
      Number of Payments Payment Due Payment Date
      1 $77.59 02/16/2018
      1 $77.59 03/02/2018
      1 $77.59 03/16/2018
      1 $77.59 03/30/2018
      1 $77.59 04/13/2018
      1 $77.59 04/27/2018
      1 $77.59 05/11/2018
      1 $77.59 05/25/2018
      1 $77.59 06/08/2018
      1 $77.59 06/22/2018
      1 $77.59 07/06/2018
      1 $77.59 07/20/2018
      1 $77.59 08/03/2018
      1 $77.59 08/17/2018
      1 $77.59 08/31/2018
      1 $76.43 09/14/2018
      Number of Payments Amount of Payments When Payments are Due
      15
      1
      $59.48
      $59.29
      Bi-Weekly (Each Friday) Beginning 06/30/2017
      Installment Loan Schedule (Returning Elite level)
      ANNUAL PERCENTAGE RATE

      The cost of your credit as a yearly rate.

      FINANCE CHARGE

      The dollar amount the credit will cost you.

      AMOUNT FINANCED

      The amount of credit provided to you or on your behalf.

      TOTAL OF PAYMENTS

      The amount you will have paid after you have made all of the payments as scheduled.

      510.02% $651.49 $300.00 $951.49
      Number of Payments Payment Due Payment Date
      1 $59.48 06/30/2017
      1 $59.48 07/14/2017
      1 $59.48 07/28/2017
      1 $59.48 08/11/2017
      1 $59.48 08/25/2017
      1 $59.48 09/08/2017
      1 $59.48 09/22/2017
      1 $59.48 10/06/2017
      1 $59.48 10/20/2017
      1 $59.48 11/03/2017
      1 $59.48 11/17/2017
      1 $59.48 12/01/2017
      1 $59.48 12/15/2017
      1 $59.48 12/29/2017
      1 $59.48 01/12/2018
      1 $59.29 01/26/2018

      Qualifying for Bright Star Cash tribal personal loan is easy.

      Applicants need to meet the following minimum requirements:

      1. Recurring and verifiable source of income
      2. Meet external and internal underwriting requirements taken in whole or in part
      3. Legally meet all requirements to enter into a contract
      4. Have an open and active checking account

      How Is Bright Star Cash better than the other direct tribal lenders?

      • Bad credit or no credit alone does not determine loan approval.
      • Returning customers are eligible for a reduced APR which is based on credit history with Bright Star Cash, verification of the information provided by the consumer, payment history with Bright Star Cash and other credit criteria.
      • Online Banking Verification System (OBVS) – a small and simple utility that will allow you to easily send a copy of your online bank statement to us so that Bright Star Cash may quickly verify your employment and approve your loan. It will not allow the lender to access, withdraw, credit or transfer funds from your account.
      • You can choose to pay your loan back via electronic funds transfer from your bank account (ACH, Debit Card) or by mailing a money order or certified/cashier’s check to us at PO Box 502, Lac Du Flambeau WI, 54538.
      • Your funds will be electronically deposited via ACH to your bank account on the next business day.
      • You may request a 5 days courtesy extension of your due date with no additional fee. This option is available once per loan. You can also contact customer service at (800) 986-2165 for other options available to you.
      • There are no pre-payment penalties and paying off your loan off faster will save on finance charges.

      Bright Star Cash review, what to keep in mind and watch out for:

      • Due to sovereign immunity, neither LDF Business Development nor Niizh, LLC may be sued in court or in an arbitration, either individually or as part of a broader action.
      • Bright Star Cash verifies applicant information through national databases including, but not limited to, Clarity and Factor Trust and we may pull your credit in order to determine your eligibility and ability to repay.
      • Wire funding is available to returning customers only.
      • If you elect to do wire funding, an additional fee will be charged.
      • Wire funding is available until 2:30pm CST. If your loan is finalized on Saturday, Sunday or bank holidays and you do not select wire funding, your loan will be funded on the second business day.
      • The next day funding cut off time is 3:00 CST Mon-Fri.
      • If a successful payment is not made by your due date, an additional late and/or NSF fee of $30 will be assessed.

      Better alternatives to Bright Star Cash

      Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

      • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
      • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

      Customer support service:

      To reach the Bright Star Cash customer service, please call 1-800-986-2165
      or call the OLA Consumer Hotline at 1-866-299-7585

      Mailing Address:
      For questions, please contact Bright Star Cash at the address below:
      PO Box 502, Lac Du Flambu, WI 54538-0502

      BBB Rating: A-

      Years in Business: 5
      Business Started:  6/19/2013
      Business Management:

      • Customer Contact: Juanita Huguley, Manager
      • Other Contacts: Emildcare Calixte, Manager

      Bright Star Cash does not lend to residents of Arkansas, Florida, Maryland, New York, Virginia, West Virginia, and Wisconsin. Bright Star Cash does not lend to new customers in the following states: Alabama, California, Massachusetts, Mississippi, North Carolina, Ohio, Wyoming, Missouri, Nevada, Washington, Pennsylvania, Alaska, Hawaii, Maine, Minnesota, Vermont, Texas and Arizona. Availability of installment loans is subject to change at any time at the sole discretion of Bright Star Cash.



      Cash Fairy

      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.

      • Loan amount: $100-$1,000
      • APR: 800%
      • Loan term: 1-2 months
      • Credit score: Poor/Fair/Good/Excellent

      Click here to visit the website

      See/Hide Details

      Qualifying for Cash Fairy tribal personal loan is easy.

      Applicants need to meet the following minimum requirements:

      1. Recurring and verifiable source of income
      2. Meet external and internal underwriting requirements taken in whole or in part
      3. Legally meet all requirements to enter into a contract
      4. Have an open and active checking account

      How Is Cash Fairy better than the other direct tribal lenders?

      • Bad credit or no credit alone does not determine loan approval.
      • There are no pre-payment penalties and paying off your loan off faster will save on finance charges.

      Cash Fairy review, what to keep in mind and watch out for:

      • We encourage you to pay off the loan as quickly as possible to save on interest.

      Better alternatives to Cash Fairy

      Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

      • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
      • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

      Customer support service:

      To reach the Cash Fairy customer service, please call 1-800 583-5617

      Mailing Address:
      For questions, please contact Cash Fairy at the address below:
      PO Box 320, Hays, MT 59527-0320

      BBB Rating: A

      Years in Business: 6
      Business Started:  2/5/2012
      Business Management:

      • Ms. Michelle Fox, CEO
      • Mr. Paul Pellizzon, Company Contact
      • Ms. Paula Hawley, Compliance Manager

      Cash Fairy does not offer online installment loans in Arkansas, Montana, New York, North Carolina, Virginia, West Virginia or US territories). Cash Fairy reserves the right to add or subtract from this list at any time.



      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.

      Golden Valley Lending Trustpilot review score

      • Loan amount: $300-$1,500
      • APR: 200-800%
      • Loan term: 1-3 months
      • Credit score: Poor/Fair/Good/Excellent

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      Receive an approval decision in just 4 easy steps!

      • Golden Valley Lending offers tribal consumer loans up to $1,000 – short-term, small-principal loans that are repaid in installments in accordance with a payment schedule
      • With subsequent loans you may qualify for as much as $1,500
      • No Pre-Payment Penalty
      • Over 250,000 Loans Funded
      • No Hidden Fees
      • 20 bi-weekly payments
      • VIP customer discounts and promotions

      How Is Golden Valley Lending different from the other direct tribal lenders?

      Golden Valley Lending offers borrowers fixed-term installment loans instead of traditional payday loans. With an installment loan, you agree that you will repay the loan amount together with interest in regular payments over a set duration. After approval, you will make 20 simple bi-weekly payments, which decrease in size over time. An automated payment option is available to make repaying your loan more convenient.

      Each of your payments will include principal along with interest. By paying off a percentage of your principal with each payment, you reduce your principal balance along with the corresponding interest. This means that your payments will be successively smaller with everyone that you make.

      • The proprietary scoring system uses the information you provide in making an approval decision.
      • Though you are not guaranteed to be approved for a loan, these short-term loans are designed to help individuals with Bad Credit or No Credit.
      • Money can be deposited electronically into your bank account through a secure ACH transfer by the next business day upon approval by 4:30 PM EST Monday through Friday.
      • You may pay your loan in full at any time without penalty, and your finance charges will be prorated if it is prior to your due date.
      • You may pay additional amounts toward your principal on scheduled payment due dates.
      • Golden Valley Lending does accept debit card payments!
      • You may also call Customer Service at 855-214-8144 or reach an agent via Live Chat from our website.

      Golden Valley Lending review, what to watch out for:

      • We encourage you to pay off the loan as quickly as possible to save on interest.
      • In some cases, we may not be able to verify your application information and may ask you to provide certain documents, which may delay funding.
      • If sufficient funds are not available on the payment due date, contact Customer Service at 855-214-8144 and an agent will be available to assist you with exploring other payment options. Otherwise, your payment returns for insufficient funds, a $20 insufficient funds fee may apply and you may incur overdraft fees from your financial institution and your payment may be resubmitted. If that resubmitted payment returns for insufficient funds, your account may be suspended until all monies are paid, and our collection process will begin.
      • You are only eligible to receive one loan with us at a time.
      • We base our decision on the information you have provided in your application and may run a credit check using a specialized credit bureau.
      • Golden Valley Lending does not accept credit card payments at this time.

      Better alternatives to Golden Valley Lending

      Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

      • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
      • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

      Contact information:
      635 E State Highway 20 E
      Upper Lake, CA 95485-8793,
      Email: voc@GoldenValleyLending.com
      Customer support: 844-225-6954

      BBB Rating: B

      Years in Business: 6
      Business Started: 8/15/2012
      Related Businesses:
      Silver Cloud Financial Inc
      Golden Valley Lending,Inc.
      Mountain Summit Financial, Inc.
      Majestic Lake Financial
      Business Management: Ms. Sherry Treppa, Chairperson

      Golden Valley Lending tribal lender installment loans may not be available to residents of some states, and those states may change from time to time with or without notice. You may contact us at 95485-8793 to verify.



      American Web Loan

      American 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. We are not payday or a cash advance lender.

      • Loan amount: $300-$2,500
      • APR: 480-800%
      • Loan term: 0.5-1 month
      • Credit score: Poor/Fair/Good/Excellent

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      Applying is easy. Approvals are fast. Same day funding may be available.

      • AWL offers non-payday installment loans meaning payments are spread out over 6, 9 or 12 months
      • Your finance charge and APR will be fully disclosed to you on your loan agreement.
      • AWL never charges any prepayment penalties, so paying your loan off early is a great way for you to save money on interest.

      How Is American Web Loan different from the other direct tribal lenders?

      Apply for an installment loan with AWL and you may be able to receive your funds the same day your loan is finalized if processed before our cut-off time.

      • Apply online through the mobile app or site at any time
      • With American Web Loan, you may be able to qualify for a loan with bad credit or even no credit at all
      • Automated online process is available 24 hours a day for easy access to short-term financial solutions
      • Use the chat feature for a representative to answer any questions you may have
      • AWL offers direct deposit, wire transfer and paper check

      American Web Loan review, what to watch out for:

      • We encourage you to pay off the loan as quickly as possible to save on interest.
      • The pay frequency is based on whenever you get paid. The options for pay frequency are monthly, semi-monthly, bi-monthly and weekly.
      • ACH payments must be scheduled at least 2 business days before the debit date. However, validated debit card payments are effective the same day.
      • Wire Transfers: Loans finalized prior to 2:35 p.m. CST (Mon-Fri) should post to the account same business day. Loans processed after this time should post to the account next business day.
        Direct Deposit: Loans finalized prior to 12:00 p.m. CST (Mon-Fri) have the possibility of posting to the account same day. All loans finalized after this time will most likely post to the account by the end of next business day. (Deposits may take up to 48 hours depending on your bank). AWL can’t make deposits on holidays or weekends.
        Paper Check: Your paper check will typically arrive at your address on file via USPS shipping within 7-10 business days.
      • Most customers won’t need to send AWL anything. However, we may need proof of income in some cases.

      Better alternatives to American Web Loans

      Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

      • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
      • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

      Contact information:
      Address #1: 3910 W. 6th Avenue, Box 277, Stillwater, OK 74074
      Address #2: 2128 N 14th St STE 1 # 130 Ponca City, OK 74601-1831
      Customer service: (877) 860-7171 / (877) 636-1353
      Email: complaints@americanwebloan.com

      American Web Loan Lending license

      BBB Rating: C+

      Years in Business: 7
      Business Started: 10/9/2010
      Business Management: Ted Grant, President; Connie VanDusen, Manager

      Currently licensed to lend tribal installment loans in ALL states except for: Arkansas, Connecticut, Georgia, New York and Washington.



      Great Plains Lending

      Great 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 that is simple, and hassle free to cover life’s unexpected expenses.

      Great Plains Lending trustpilot review score

      • Loan amount: $100-$1,000
      • APR: 328.11% to 448.76%
      • Loan term: 4-3 months
      • Credit score: Poor/Fair/Good/Excellent

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      How Is Great Plains Lending Better Than Other Direct Lenders?

      • Low APR of 328.11% to 448.76% is less than the average 662.58% APR for a typical payday loan.
      • No early payment penalty.
      • You can pay your loan off at any time with no hidden fees or surprises!
      • Once approved, your loan can be deposited as soon as the next business day.
      • My Payment Methods – a place for you to review your current payment methods, add debit cards, and update your debit card information.
      • Financial U is an online learning center.
      • The application process is completely confidential and secure.
      • When you submit your online application your results will be available in a matter of seconds.
      • For your convenience, your loan payment dates are linked to your pay dates.

      Great Plains Lending review, what to keep in mind and watch out for:

      • If you make a late payment, skip a payment, or a payment is returned to them, they may charge you additional fees.
      • The number of payments on your loan depends on your loan amount and pay schedule.
      • As a general practice, lenders such as Great Plains use data from credit reporting agencies when evaluating applications for credit and making credit decisions.
      • Late Payments, missed payments, or other defaults on her loan may be reflected in the borrower’s credit history.
      • Great Plains Lending offers loans ONLY in the state of Oklahoma.

      Great Plains Lending example loan cost:

      We encourage you to pay off your loan early to avoid finance charges. Your total cost depends upon the size of the loan for which you qualify and your payment history. As an example, the Annual Percentage Rate (APR) for a loan of $500 is 328.11%, with 16 bi-weekly payments of $74.18.

      Better alternatives to Great Plains Lending

      Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

      • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
      • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

      Great Plains Lending address:
      112 Paradise Dr. Ste. B,
      Red Rock, OK 74651

      Great Plains Lending customer support phone number:
      (877) 836-1506

      Great Plains Lending LLC lending license

      BBB Rating: D

      Years in Business: 7
      Business Started: 5/3/2011

      Great Plains Lending offers loans ONLY in the state of Oklahoma.



      Blue Trust Loans

      Cash loans up to $2,000 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!

      Blue Trust Loans trustpilot review score

      • Loan Amount: $100 – $2,000
      • APR: 471.7846% – 841.4532%
      • Loan term: 1-6 months
      • Credit score: Poor/Fair/Good/Excellent

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      How Is Blue Trust Loans Better Than Other Direct Lenders?

      • Flexible repayment terms.
      • No early payment penalty.
      • Quick deposits. Once approved, your loan amount can be deposited as soon as the next business day.
      • Easy to understand online application process.
      • More cash at a lower rate for VIPs.
      • Personalized service with friendly representatives.
      • Quick credit decision.

      What is Blue Trust Loans?

      Blue Trust Loans is a tribal lender that offers installment loans of up to $2,000 as an alternative to payday loans. Instead of paying the loan back in full with your next payroll check, Blue Trust Loans allows you to pay it back in installments over a six-month period.

      How to apply for an installment loan through Blue Trust Loans

      Applying for a loan is easy provided you have the necessary information close at hand.

      Eligibility criteria. You must:

      • Be at least 18 years old.
      • Be a US citizen or permanent resident.
      • Have a verifiable source of income and open a checking account.
      • Not be a debtor or in a bankruptcy case.
      • Not reside in AR, CT, GA, MA, MN, NY, PA, VT, WA, WI or WV.

      Better alternatives to Blue Trust Loans

      Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

      • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
      • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

      Customer support contact information:
      Blue Trust Loans customer support is available 24 hours a day by:1-877-770-2839

      Advanced Blue Trust Loans customer service:
      Phone: 1-877-770-2839
      Email: acs@bluetrustloans.com
      ACS Hours:7 a.m. to 8 p.m. CST Monday-Thursday, 7 a.m. to 6 p.m.
      CST Fridays and 8 a.m. to 2 p.m. CST Saturdays.

      Loan Precessing:
      Phone:1-877-770-2682
      Fax:1-855-630-9579
      Email: info@bluetrustloans.com

      Mailing Address:
      For questions, please contact Blue Trust Loans at the address below:
      LCO P.O. Box 1754
      Hayward, WI 54843

      Physical address:
      Hummingbird Funds, LLC
      9790 N County Road K, Suite 3
      Hayward, WI 54843

      BBB Rating: D

      Alert: Tribal sovereign immunity

      Because we and the Tribe are entitled to sovereign immunity, you will be limited as to what claims, if any, you may be able to assert against the Tribe and us. To encourage resolution of consumer complaints, any complaint may be submitted by you or on your behalf as described in the” Terms and Conditions on its website. Read More

      Years in Business: 4
      Business Started: 3/6/2014
      Alternate Business Name:
      Lac Courte Oreilles Financial Services, LLC
      Hummingbird Funds, LLC
      Oasis Loans LLC
      LCO Financial Services
      Miinan Funds
      Miinan Funds LLC
      Ladder Credit
      Adaawam Funds LLC
      Business Management: Ms. Trina Starr, Manager

      Blue Trust Loans DOES NOT offer loans in Arkansas, Connecticut, Georgia, Massachusetts, Minnesota, New York, Pennsylvania, Vermont, Washington, Wisconsin or West Virginia.



      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.

      Big Picture Loans trustpilot review score

      • Loan Amount: $200 – $3,500
      • APR: 35%† – 600%
      • Loan term: 4-18 months
      • Credit score: Poor/Fair/Good/Excellent

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        †The lowest Annual Percentage Rate (APR) is applicable for eligible returning customers if they qualify with the company’s credit parameters. The APR range for new customers is 350-600%

        Qualifying for a tribal personal loan is easy.

        Applicants need to meet the following minimum requirements:

        1. Have a steady income of at least $700.00 per month from a verifiable source.
        2. Have an open bank account in good standing.
        3. Be reachable by phone.
        4. Be at least 18 years old and a permanent U.S. resident.
        5. Have a valid email address.

        How Is Big Picture Loans different from the other direct tribal lenders?

        Choose Big Picture Loans and if approved you may get the funds you need in as little as 24 hours, with no hidden fees.

        • There are no penalties for paying your installment loan off early, and you can actually save on finance charges by doing so.
        • Big Picture Loans performs soft credit inquiries and will not impact your credit score.
        • 91% of accepted applications are approved and originated the next business day.
        • Expect to hear from Big Picture Loans within 15 minutes to one Business Day after you have submitted your application.
        • Bad credit problems won’t always prevent applicant from being approved for an installment loan from Big Picture Loans.

        Big Picture Loans review, what to watch out for:

        • We encourage you to pay off the loan as quickly as possible to save on interest.
        • Once you have accepted the loan agreement terms you will not be able to increase the amount of your loan.
        • Tribal lender personal loans should be used for short-term financial needs only, not as a long-term financial solution.
        • Once you have accepted the loan agreement terms which include your payment schedule, you will not be able to change the payment schedule in your loan agreement.
        • Please note that when a payment date is changed, the payment schedule in your loan agreement will remain the same and interest will continue to accrue on any unpaid principal balance.
        • Big Picture Loans does not accept hard copy bank statements. If your bank doesn’t allow three-way call verification, Big Picture Loans will need to verify your income and bank account information through Instant Account Verification.

        Better alternatives to Big Picture Loans

        Just because you need money quickly and have less than perfect credit, you don’t have to be stuck paying 300% interest or more.

        • Credit union payday loans (called short-term loans) offer fast cash for just 28% APR.
        • Credible offers rates around 4.99% – 35.99%, but first-time borrowers need to pay off the loan entirely in the first 30 days.

        Customer support contact information:
        P.O. Box 704
        Watersmeet, MI 49969
        1-800-584-4880
        Email: Support@BigPictureLoans.com

        Physical address:
        Big Picture Loans
        E23970 Pow Wow Trail
        Watersmeet, MI 49969

        Big Picture Loans lending license

        BBB Rating: F

        Years in Business: 6
        Business Started: 12/31/2011
        Alternate Business Name:
        Duck Creek Tribal Financial
        Red Rock Tribal Lending, LLC
        PepperCash
        Castlepayday.com

        Big Picture Loans tribal lender installment loans are not available to residents of all states, and those states may change from time to time with or without notice. You may contact us at 1.800.584.4880 to verify.



        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


        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.


        *APR = ((Total Fees/Avg. Principal Balance)/Number of Billing Cycles) * Billing Cycles per year * 100

        1. Total Fees = Sum of all Cash Advance fees + Sum of all fix finance changes
        2. Average Principal Balance = the sum of each principal balance at the end of each period divided by the number of payments
        3. Number of Billing Cycles = the total number of payments
        4. Billing Cycles per year = Biweekly/Weekly (you are paid weekly or every two weeks) = 26 and Monthly/Twice monthly (you are paid monthly or two times a month) = 24