Top Tribal Loan Companies
The companies listed below offer direct lender tribal loans in select states throughout the country. Updated 9/2/21.
List of Tribal Loan Lenders That Don’t Require A Credit Check
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 that is 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 to $1,000, while subsequent borrowers can qualify for loans 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 are required to pay off the loan within 10 to 26 months. While borrowing, keep in mind that the company enforces high-interest rates and has an annual percentage rate upwards of 400%.
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.
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 provides loans ranging from $200 to $3,500 at an annual percentage rate between 350% and 600%. Eligible returning customers enjoy a lower annual percentage rate, which can be as little as 14%.
The online 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 years of age, have a steady recurring income of at least $700 per month, and own an operational 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.
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 application 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, Massachusetts, Minnesota, New York, North Dakota, Pennsylvania, Vermont, Virginia, and West Virginia.
Majestic Lake Financial
Majestic Lake Financial, which was incorporated in 2013, is a direct tribal loan lender that’s owned and operated by the Habematolel Pomo tribe of Upper Lake, California. The company offers small personal loans to individuals that have low credit and are seeking emergency funds with flexible repayments.
First-time borrowers can get loans between $300 and $1,000 while returning customers have access to slightly higher amounts capped at $1,500. The application process requires filling out a form directly on the company website. Keep in mind 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 not available in all states, and those states may vary from time to time without notice. You may contact Majestic Lake Financial to verify.
Bright Lending, which is run by the Fort Belknap Indian Community of Montana, is an online tribal loan lender that provides short-term installment loans to people in need of emergency cash. These loans range between $300 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, Connecticut, Massachusetts, Montana, New York, Pennsylvania, Puerto Rico, Vermont, Virginia and West Virginia.
Bright Star Cash
Bright Star Cash is a Native American-owned company that is operated by the Lac Du Flambeau Indian Community in Wisconsin. It equips borrowers with short-term loans that can mature in 1 to 3 months. Having a bad credit score or no credit at all does not influence loan approval—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 an annual percentage 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. The company office is located on the tribe’s reservation, but it conducts all operations online. It offers a quick virtual application process that lets applicants borrow anywhere from $200 or to $2,500 within minutes. Once your loan is approved, you can choose to 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, District of Columbia, Georgia, Illinois, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Montana, New York, North Carolina, Pennsylvania, South Dakota, Vermont, Virginia and West Virginia.
Regardless of your credit score, Greenline Loans provides quick access of up to $300 in the form of a direct tribal loan to borrowers in need of emergency cash. Repeat borrowers can apply for up to $1,000. After completing the online application form, approved candidates can receive funds in their bank accounts by the next business day.
These loans have a term limit of 1 to 3 months and feature flexible payment options. Applicants can expect an annual percentage rate of 779.99% for a $300 loan. They work with applicants in many states EXCEPT: Arkansas, Colorado, Maryland, Minnesota, Montana, New Hampshire, New York, Pennsylvania, Virginia, West Virginia, Wisconsin and Washington.
Golden Valley Lending
Golden Valley Lending is 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 their immediate expenses while simultaneously 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 and attract an annual percentage rate between 200% and 800%.
The application asks for bank account details, social security information, state ID number, and proof of monthly income. Keep in mind 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 not available in all states, and those states may vary from time to time without notice. You may contact Golden Valley Lending to verify.
ZocaLoans lets people with less-than-perfect credit scores access quick, personal loans in the range of $200 to $1,500. The company is part of the Rosebud Lending agency, which is 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 the loan, the funds will be deposited into your bank account the next business day. However, those who need the money by the end of the day are charged an additional $30 for a same-day wire transfer. ZocaLoans also 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 work with consumers in all states EXCEPT: Arkansas, Colorado, Georgia, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont, West Virginia, South Dakota and Washington, DC
West River Cash
West River Finance is a tribal lending company that is owned and operated by the Fort Belknap Indian tribe. It offers short-term tribal loans with no credit check of up to $500 at an annual percentage rate of 800%. To qualify for the loan, candidates must earn at least $1,500 per month and provide proof of these earnings, as well as proof of a working bank account. The company does not consider applications by people working in the army or those that have dependents in the military.
Their services are not available in all states, and those states may vary from time to time without notice. You may contact West River Cash to verify.
The Best Tribal Loan Offers Are Offered By Direct Tribal Lenders
Tribal loans are becoming more popular over the past few years as many actual payday lenders are exiting the industry. In response to increased regulation on the Federal and State level, many companies have changed their business model and now offer low dollar payday loans and cash advances as opposed to larger personal loans. This directory of direct tribal installment loan lenders is updated every few weeks and we hope to add more companies to this list over the next few months.