Top Tribal Loan Companies

The listed companies offer direct lender tribal loans in select states. Updated 10/17/24

List of Tribal Direct Lenders

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 get a tribal loan of $500 to $1,000, while repeat customers can access up to $2,500.

They offer loans in all states EXCEPT: Arkansas, Colorado, Connecticut, Georgia, Hawaii, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Pennsylvania, South Dakota, Vermont, and West Virginia.

MaxLend
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. All they need is your income details and the requested loan amount. After that, a customer service rep will contact you to verify additional information and review the lending contract. Most of their installment loan payoff terms last for 9-14 months.

Big Picture Loans
Big Picture Loans is a tribal lending entity owned and operated by the Lac Vieux Desert Band of Lake Superior Chippewa Indian Tribe of Michigan. Big Picture Loans offers $200 to $3,500 for first time applicants with an APR between 100% and 300%.

Apply online, and cash can be sent to your checking account that same day. To be pre-approved, you must pass a basic credit check, have a recurring income of at least $800 monthly, and own a checking account with direct deposit. They offer installment loans in 25 states as of 2024, with more states coming on board at the end of this year.

PersonalLoans.com

This company works with tribal lenders that offer installment loans and guaranteed approval tribal loans ranging 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 usually offer same-day funding and payment terms of 3 months to 3 years.

Completing the online application and answering subsequent underwriting questions takes 10 minutes. You can receive a funding decision within a few minutes. To qualify, you must be a United States resident, and some loan offers will require documented monthly income.

Highway Title Loans
Highway Title Loans 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 and proof of income. Other requirements may also include valid vehicle registration and proof of insurance. If you qualify, apply online and get a funding decision in an hour with cash in one business day.

Spotloan
Spotloan is a subsidiary of BlueChip Financial, a tribally-owned entity belonging to the Turtle Mountain Band of Chippewa Indians of North Dakota. It provides new customers with personal loans of $300 to $1,000. These direct tribal loans come with an APR of up to 490% and a repayment term ranging from 3 to 9 months. Spotloan offers an early payoff option, and it seems you can have your cash sent to your bank account or pick up a money order that same day.

They work with consumers in every state EXCEPT Arkansas, Colorado, Connecticut, Illinois, Maryland, Minnesota, New York, North Dakota, Pennsylvania, Vermont, 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. They offer same day funding with loan amounts up to $1,000 that can be paid back in 3 to 10 months. New customers will see an initial APR of up to 755%.

They work with applicants in all states EXCEPT Arkansas, Connecticut, Massachusetts, Montana, New Jersey, 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% and 699%.

They work with qualified consumers nationwide except in New York, North Carolina and Vermont.

MobiLoans
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 offer same day funding in all states except Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, South Dakota, Vermont, Virginia, and West Virginia.

UpRova

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 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 online payday loans have a lending term of 3 months or less, flexible repayment options, and an interest rate of 700% or more. They work with applicants in many states, EXCEPT Arkansas, Colorado, Maryland, Minnesota, Montana, New Hampshire, New York, Pennsylvania, and Wisconsin.

Golden Valley Lending
Golden Valley Lending is a Native American direct lender run by the Habematolel Pomo Indian Tribe of California and licensed to operate in 37 states. Its lending offers range from $250 to $1,500 for first-time applicants. 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 loan’s fees or interest 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
ZocaLoans lets people with less-than-perfect credit scores borrow $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. 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, North Dakota, 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. They offer same business day funding for direct tribal loans with no credit check of up to $500; there’s never a prepayment penalty or collateral requirement. 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.

Direct Tribal Lenders offer the Best Tribal Loans!

Tribal loans have become popular over the past decade as numerous payday lenders have excited the direct lending industry. These affiliated companies 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.