Blue Trust Loans review: loans, costs, and what to know
Blue Trust Loans was a tribal installment lender operated by Hummingbird Funds, LLC for the Lac Courte Oreilles Band of Lake Superior Chippewa Indians in Wisconsin. It is now permanently closed and does not accept new applications. This page explains what it offered and what to do if you still have a Blue Trust balance.
- Owner
- Hummingbird Funds, LLC, for the Lac Courte Oreilles Band of Lake Superior Chippewa Indians, Wisconsin
- Product
- Installment
- Status
- Permanently closed
Facts checked October 12, 2026 against the lender's published information and independent reviews. We have not received compensation tied to this review's conclusions.
Why Blue Trust Loans is not in our comparison
Blue Trust Loans is permanently closed and no longer accepts applications.
What Blue Trust offered
When it was operating, Blue Trust made installment loans of roughly $100 to $3,000, repaid over about six to ten months, at APRs between about 471% and 841%. It marketed itself as an alternative to payday loans and offered same-day funding to approved borrowers.
Legal history
Blue Trust faced a class action lawsuit alleging a rent-a-tribe arrangement, in which outside operators were said to use the tribe's sovereign immunity to avoid state interest rate limits. It has since closed permanently.
If you still owe Blue Trust
- Find your loan agreement and payment history and keep copies.
- Identify who now services the loan. If a collector contacts you, you have the right under the Fair Debt Collection Practices Act to request written validation of the debt within 30 days of their first notice.
- Check whether any class settlement covered your loan before paying a collector.
- If automatic withdrawals continue and you dispute the debt, notify your bank in writing to stop the payments; your bank must honor a stop-payment request made at least three business days before a scheduled transfer.
- File a complaint with the CFPB or your state attorney general if you believe the debt is invalid.
If you were searching for Blue Trust to borrow
Blue Trust is not an option. The lenders in our comparison below are open and publish their terms. Before choosing one, check whether a credit union Payday Alternative Loan or another alternative can cover your need for far less.
What works
- Previously offered installment rather than payday structure
What to watch
- Permanently closed
- Charged about 471% to 841% APR when operating
- Faced a class action alleging a rent-a-tribe scheme
Alternatives to Blue Trust Loans
Compare Blue Trust Loans against the other lenders whose terms we could verify, and check cheaper options first. A federal credit union Payday Alternative Loan is capped at 28% APR; $1,000 over 6 months at that rate costs about $83 in interest.
| Lender | Loan amount | APR | Term | Product | Notes |
|---|---|---|---|---|---|
| Plain Green Loans | $200–$4,500 | About 199%–699% | 6–26 months | Installment | Lends in about 26 states; first-time limits are lower. Settled with Minnesota's Attorney General in September 2026 over rates near 700%. |
| Big Picture Loans | $200–$3,500 | About 250%–789% | 4–18 months | Installment | Published APR figures vary widely by source, loan size, and term. |
| Spotloan | $300–$800 | Up to 490% | Up to 10 months | Installment | Smallest maximum loan on this list. Some sources report a credit check at application. |
| MaxLend | $100–$3,750 | 471%–841% | Up to 9 months | Installment | Highest published APR range on this list. Does not lend to active-duty service members. |
| Uprova | $300–$5,000 | From 34.5% to over 700% | 9–36 months | Installment | Two products: a personal loan near 35% APR for stronger applicants and a tribal installment loan that can exceed 700% APR. |
| Mobiloans | $500–$3,000 limit | 73.7%–405% | Revolving | Line of credit | Charges a cash advance fee per $20 drawn plus a fixed finance charge each billing cycle. |
Figures are lender-published or reported by independent reviewers, checked October 12, 2026. Lenders change terms often, so confirm the APR and total cost in your loan agreement before you sign.
See all alternatives to tribal loans or the full tribal lender comparison.
Frequently asked questions
No. Blue Trust Loans is permanently closed and does not accept applications.
A lender closing does not by itself cancel your debt. Ask whoever is collecting for written validation, check whether a settlement covered your loan, and contact the CFPB or your state attorney general if you believe the debt is invalid.
Hummingbird Funds, LLC, a sovereign enterprise of the Lac Courte Oreilles Band of Lake Superior Chippewa Indians.
See the open lenders in our comparison, and check credit union Payday Alternative Loans, capped at 28% APR, first.
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