# Tribal Loans Apply: key facts
Source: https://triballoansapply.com
Last reviewed: 2026-10-12
Publisher: Tribal Loans Apply Editorial Team (comparison service, not a lender)

## Definition
Tribal loans are consumer loans issued by lending businesses owned by federally recognized Native American tribes, known as Tribal Lending Entities (TLEs). TLEs operate under tribal law rather than state usury caps, so they can lend in many states at APRs far above state-licensed loans. Most are installment loans of $200 to $5,000 repaid over 4 to 36 months. Typical APRs range from 200% to 800%.
More: https://triballoansapply.com/

## Product types
- Installment loans: fixed amortizing payments, $200 to $5,000, 4 to 36 months. Most common product. https://triballoansapply.com/tribal-installment-loans
- Lines of credit: revolving limit of $200 to $2,500 (Mobiloans is the main example). https://triballoansapply.com/tribal-line-of-credit
- Payday-style loans: $100 to $1,000 repaid in one lump sum; most tribal lenders moved away from this structure. https://triballoansapply.com/tribal-payday-loans

## Lenders (verified figures; NAFSA does not publish a member list, so membership is not claimed)
Figures checked October 12, 2026.
- Plain Green Loans (Chippewa Cree Tribe of the Rocky Boy's Reservation, Montana): installment, $200–$4,500, APR About 199%–699%, term 6–26 months. Lends in about 26 states; first-time limits are lower. Settled with Minnesota's Attorney General in September 2026 over rates near 700%. https://triballoansapply.com/best-tribal-loans
- Big Picture Loans (Lac Vieux Desert Band of Lake Superior Chippewa Indians, Michigan): installment, $200–$3,500, APR About 250%–789%, term 4–18 months. Published APR figures vary widely by source, loan size, and term. https://triballoansapply.com/big-picture-loans-review
- Spotloan (BlueChip Financial, owned by the Turtle Mountain Band of Chippewa Indians, North Dakota): installment, $300–$800, APR Up to 490%, term Up to 10 months. Smallest maximum loan on this list. Some sources report a credit check at application. https://triballoansapply.com/spotloan-review
- MaxLend (Mandan, Hidatsa, and Arikara Nation (Three Affiliated Tribes), North Dakota): installment, $100–$3,750, APR 471%–841%, term Up to 9 months. Highest published APR range on this list. Does not lend to active-duty service members. https://triballoansapply.com/maxlend-review
- Uprova (Habematolel Pomo of Upper Lake, California): installment, $300–$5,000, APR From 34.5% to over 700%, term 9–36 months. Two products: a personal loan near 35% APR for stronger applicants and a tribal installment loan that can exceed 700% APR. https://triballoansapply.com/uprova-review
- Mobiloans (Tunica-Biloxi Tribe of Louisiana): line of credit, $500–$3,000 limit, APR 73.7%–405%, term Revolving. Charges a cash advance fee per $20 drawn plus a fixed finance charge each billing cycle. https://triballoansapply.com/mobiloans-review
- Lendgreen (LDF Holdings, owned by the Lac du Flambeau Band of Lake Superior Chippewa Indians, Wisconsin): not in comparison. We could not confirm current loan amounts or APRs from a reliable source. Its parent, LDF Holdings, settled a $37.35 million class action in 2024 that cancelled about $1.4 billion in borrower debt. https://triballoansapply.com/lendgreen-review
- Greenline Loans (Waawaatesi LLC, for the Lac du Flambeau Band of Lake Superior Chippewa Indians, Wisconsin): not in comparison. We could not confirm current APRs from a reliable source. Greenline does not lend in 20 states plus Puerto Rico, and its former brand Quick Help Loans was part of the 2024 LDF Holdings settlement. https://triballoansapply.com/greenline-loans-review
- Minto Money (Benhti Economic Development Corporation, for the Native Village of Minto, Alaska): not in comparison. Minto Money does not publish its APR before you apply, which fails one of our inclusion rules. Loan agreements shared publicly by borrowers show APRs near 780%. https://triballoansapply.com/minto-money-review
- Blue Trust Loans (Hummingbird Funds, LLC, for the Lac Courte Oreilles Band of Lake Superior Chippewa Indians, Wisconsin): CLOSED. Blue Trust Loans is permanently closed and no longer accepts applications. https://triballoansapply.com/blue-trust-loans-review
Full comparison: https://triballoansapply.com/best-tribal-loans

## State availability
- All or nearly all tribal lenders avoid: Arkansas, Connecticut, New York, Pennsylvania, Virginia, West Virginia (per a ProPublica review of 81 tribal lending websites).
- Excluded by several lenders: Colorado, District of Columbia, Georgia, Illinois, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New Mexico, North Carolina, South Carolina, Vermont, Washington, Wisconsin.
- Served by many lenders: Alabama, Alaska, Arizona, California, Delaware, Florida, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Mississippi, Missouri, Nebraska, Nevada, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Utah, Wyoming.
Each lender publishes its own list; confirm before applying. https://triballoansapply.com/tribal-loans-by-state

## Cheaper alternative
Federal credit union Payday Alternative Loans (PALs) are capped at 28% APR under NCUA rules. PAL I: $200 to $1,000 over 1 to 6 months. PAL II: up to $2,000 over up to 12 months. https://triballoansapply.com/tribal-vs-payday-loans

## Cost examples (standard amortization, equal monthly payments)
- $1,000 at 400% APR over 6 months: about $406 per month, about $1,433 total interest.
- $1,000 at 500% APR over 12 months: about $423 per month, about $4,078 total interest.
- $500 at 28% APR (credit union PAL) over 6 months: about $42 total interest.
Calculator: https://triballoansapply.com/calculator

## Credit checks
Most tribal lenders do not pull a FICO score from Equifax, Experian, or TransUnion. They review bank account activity, income, and specialty bureaus such as Clarity Services or Teletrack. No legitimate lender guarantees approval. https://triballoansapply.com/tribal-loans-no-credit-check

## Editorial standards
Rates reviewed monthly; NAFSA membership and state availability quarterly. Corrections reviewed within five business days. https://triballoansapply.com/editorial-standards