Apply for a tribal loan

Submit a single application to be considered by our partner tribal lending network. The form below is securely processed by APIdiamond, our application platform partner.

Before you apply — please read

Tribal loans are high-cost credit intended for short-term emergency use. APRs typically range from 200 percent to 800 percent. If you have access to a credit union payday alternative loan, a bank personal loan, a credit card, or any other lower-cost option, we recommend exhausting those first.

By submitting the form below, you authorize APIdiamond and its tribal lender partners to verify the information you provide, check your bank account activity and alternative credit data, and present you with loan offers you may accept or decline.

APR Range Disclosure. Most tribal loans cost between 200% and 800% APR; a few products start lower and some go higher. Actual rates depend on the lender, the product, your state, loan amount, repayment term, and underwriting. These are high-cost loans — read the full terms before accepting any offer. For comparison, federal credit union payday alternative loans cap at 28% APR.

What you will need

  • Government-issued photo ID (driver's license or state ID)
  • Social Security number for identity verification
  • Active US checking account open at least 30 days (routing + account number)
  • Verifiable income — recent pay stub, bank statement, or benefit award letter
  • Employer or income source contact information
  • Valid email address and US phone number

Secure application

Loan application

The form below is loaded securely from APIdiamond. Your information is transmitted over HTTPS and processed in accordance with our privacy policy and APIdiamond's own privacy standards.

What happens after you submit

  1. Your application is reviewed by participating tribal lenders in APIdiamond's network, typically within minutes.
  2. If approved, one or more lenders will present you with a loan offer specifying the loan amount, APR, term, payment schedule, and total cost.
  3. You review the full loan agreement. You are under no obligation to accept any offer presented.
  4. If you accept, funds are typically disbursed to your checking account via ACH the same business day or the next business day.