Tribal loans by state

Tribal loans are not offered everywhere, because each tribal lender decides which states it serves. Most of the US has at least some options, a group of states is excluded by several lenders, and six states are avoided by nearly every tribal lender. Check where your state falls before you apply.

Written and fact-checked by the Tribal Loans Apply Editorial Team. Last reviewed October 12, 2026. Facts checked against lender disclosures, independent reviews, and public records.

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.

Find your state

Tap your state

Served by many lenders
Some lenders exclude
Most lenders do not lend

Or choose from the list

Select a state on the map to see how widely tribal lenders serve it.

Served by many lenders

Most of the tribal lenders we track accept applications here. Each lender still sets its own list, so confirm on the lender's site.

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

Some lenders exclude

Several lenders publish these states on their do-not-lend lists. Fewer options and smaller loan amounts are common.

Colorado
District of Columbia
Georgia
Illinois
Maryland
Massachusetts
Minnesota
Montana
New Hampshire
New Jersey
New Mexico
North Carolina
South Carolina
Vermont
Washington
Wisconsin

Most lenders do not lend

Enforcement action and strict rate caps mean all or nearly all tribal lenders avoid these states.

Arkansas
Connecticut
New York
Pennsylvania
Virginia
West Virginia

State availability changes when lenders update their policies or states take enforcement action. Groupings are based on lenders' published do-not-lend lists and a ProPublica review of 81 tribal lending websites. Puerto Rico and US territories are generally not served. Always confirm your state on the lender's own site before applying.

Why tribal loan availability differs by state

Tribal lenders operate under tribal law, but states still set interest rate caps for consumer loans made to their residents. Some states have gone to court, issued cease-and-desist orders, or reached large settlements with tribal lenders. A ProPublica review of 81 tribal lending websites found that the vast majority now publish Arkansas, Connecticut, New York, Pennsylvania, Virginia, and West Virginia on their do-not-lend lists.

Other states land on some lenders' lists and not others, so tribal loans there may come from only a handful of lenders. Each lender weighs the legal risk differently, which is why a state such as Georgia, Illinois, or Maryland may have a few options while another lender rejects the same application outright.

If tribal loans are not available in your state, the cheaper paths are usually better anyway: a federal credit union payday alternative loan (capped at 28% APR), a state-licensed installment lender, or a hardship plan with the creditor you owe.

Tribal loans in all 50 states and DC

State	Tribal lender availability	Notes
Alabama	Served by many lenders	Check the lender's state list during application.
Alaska	Served by many lenders	Check the lender's state list during application.
Arizona	Served by many lenders	Check the lender's state list during application.
Arkansas	Most lenders do not lend	State constitution caps consumer loan interest at 17% a year.
California	Served by many lenders	Check the lender's state list during application.
Colorado	Some lenders exclude	Confirm on each lender's site before applying.
Connecticut	Most lenders do not lend	Banking regulator has ordered tribal lenders to stop lending to residents.
Delaware	Served by many lenders	Check the lender's state list during application.
District of Columbia	Some lenders exclude	Confirm on each lender's site before applying.
Florida	Served by many lenders	Check the lender's state list during application.
Georgia	Some lenders exclude	Confirm on each lender's site before applying.
Hawaii	Served by many lenders	Check the lender's state list during application.
Idaho	Served by many lenders	Check the lender's state list during application.
Illinois	Some lenders exclude	Confirm on each lender's site before applying.
Indiana	Served by many lenders	Check the lender's state list during application.
Iowa	Served by many lenders	Check the lender's state list during application.
Kansas	Served by many lenders	Check the lender's state list during application.
Kentucky	Served by many lenders	Check the lender's state list during application.
Louisiana	Served by many lenders	Check the lender's state list during application.
Maine	Served by many lenders	Check the lender's state list during application.
Maryland	Some lenders exclude	Confirm on each lender's site before applying.
Massachusetts	Some lenders exclude	Confirm on each lender's site before applying.
Michigan	Served by many lenders	Check the lender's state list during application.
Minnesota	Some lenders exclude	Attorney General has settled with three tribal lending groups since 2024, including Plain Green in September 2026.
Mississippi	Served by many lenders	Check the lender's state list during application.
Missouri	Served by many lenders	Check the lender's state list during application.
Montana	Some lenders exclude	Confirm on each lender's site before applying.
Nebraska	Served by many lenders	Check the lender's state list during application.
Nevada	Served by many lenders	Check the lender's state list during application.
New Hampshire	Some lenders exclude	Confirm on each lender's site before applying.
New Jersey	Some lenders exclude	Confirm on each lender's site before applying.
New Mexico	Some lenders exclude	Confirm on each lender's site before applying.
New York	Most lenders do not lend	State law treats loans above its usury cap as void; regulators have pursued tribal lenders.
North Carolina	Some lenders exclude	Confirm on each lender's site before applying.
North Dakota	Served by many lenders	Check the lender's state list during application.
Ohio	Served by many lenders	Check the lender's state list during application.
Oklahoma	Served by many lenders	Check the lender's state list during application.
Oregon	Served by many lenders	Check the lender's state list during application.
Pennsylvania	Most lenders do not lend	Strict small-loan rate caps and enforcement against online lenders.
Rhode Island	Served by many lenders	Check the lender's state list during application.
South Carolina	Some lenders exclude	Confirm on each lender's site before applying.
South Dakota	Served by many lenders	Check the lender's state list during application.
Tennessee	Served by many lenders	Check the lender's state list during application.
Texas	Served by many lenders	Check the lender's state list during application.
Utah	Served by many lenders	Check the lender's state list during application.
Vermont	Some lenders exclude	Confirm on each lender's site before applying.
Virginia	Most lenders do not lend	Large settlements with tribal lenders have deterred most lending.
Washington	Some lenders exclude	Confirm on each lender's site before applying.
West Virginia	Most lenders do not lend	Attorney General enforcement has pushed most tribal lenders out.
Wisconsin	Some lenders exclude	Confirm on each lender's site before applying.
Wyoming	Served by many lenders	Check the lender's state list during application.

Groupings reflect lenders' published do-not-lend lists and are reviewed quarterly. They are general guidance, not a promise that any specific lender will accept your application.

Frequently asked questions

Can I get a tribal loan in my state?

Tribal loans are available in most US states from at least some lenders. Arkansas, Connecticut, New York, Pennsylvania, Virginia, and West Virginia are avoided by all or nearly all tribal lenders. Each lender publishes its own list of states it does not serve.

Why do tribal lenders avoid certain states?

Those states enforce interest rate caps against online lenders and have taken legal action against tribal lenders, including cease-and-desist orders and multimillion-dollar settlements. Lenders avoid them to reduce legal risk.

What if I move to a different state?

Lenders decide eligibility based on your state of residence when you apply. If you move during the loan, your original agreement continues to govern repayment. Notify the lender of your new address.

Are tribal loans available in Puerto Rico or US territories?

Generally no. Tribal loans are usually limited to residents of eligible US states.

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