Tribal Installment Loans: Direct Lenders, No Credit Check Options

 Tribal installment loans are primarily available online from several legitimate, web-based lending companies with tribal affiliations. Lendgreen, Northcash, and LoanAtLast are some of the direct lenders that offer tribal loans with no credit check. Other tribal lenders — including Blue Trust Loans, Big Picture Loans, MaxLend, and Mountain Summit Financial — may run a credit check but do not require a good credit history or minimum credit score for approval. When applying for a tribal installment loan, be aware of high APRs and potential fees, and be sure to choose a lender that has a legitimate tribal affiliation. For more information on tribal installment loans and the full list of direct tribal lenders, see below.

What to Know About Tribal Installment Loans

Tribal installment loans are an alternative to payday loans for borrowers who live in states where payday loans are prohibited. They also serve as short-term loans with varying repayment terms. Federally-recognized, sovereign tribal governments own and operate the lending companies that offer tribal installment loans.

When choosing a tribal installment loan, there are a few things you should keep in mind.

• First, it’s best to verify that the lender has a legitimate tribal affiliation; this will ensure that the lender is legally operating within the tribe’s boundaries and subject to tribal law. Legitimate tribal lenders will typically disclose their tribal ownership on their websites and may hold membership in the Native American Financial Services Association (NAFSA).
• Additionally, keep in mind that while installment loans are preferable to payday loans in that they have a defined term with required payments, they are still expensive; some installment loans have APRs over 700%. Installment loans are only suitable for short-term or emergency financial needs, such as urgent car repairs or medical care. Consider the payment schedule, payment amounts, and total cost of the loan before accepting the terms.

Comparison Table: Tribal Installment Loans

You can use the table below for a quick comparison of tribal installment loan lenders and terms, then click any lender or scroll for more information.

Where to Get Tribal Installment Loans

We’ve listed the tribal lenders that offer installment loans with no credit check and the tribal lenders that offer installment loans to those with bad credit. All of the lenders listed are direct lenders. Below, you’ll find each lender’s credit requirements, application requirements, fees, tribal affiliation, and how to apply. We’ve ordered the lists below starting with the best overall options.

In gathering this information, we viewed the terms and conditions on each lender’s website (where available) and contacted customer service representatives for each lender. Note that not all lenders will do business in your area; we’ve included the list of ineligible states for each lender (when possible).

Tribal Installment Loans: Direct Lenders, No Credit Check

Lendgreen

• Available loans: Installment loans up to $1,500
• Credit requirement: None; Lendgreen does not run a credit check through Equifax, Experian, or TransUnion and does not require a minimum credit score.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen
  • Must have a checking account capable of ACH transactions
  • Must have a verifiable, recurring source of income
  • Must not be a military member, military spouse, or military dependent
• Fees:
  • Variable APR up to about 795%
  • A late fee of $30 will apply if your payment is five or more days late
• Tribal affiliation: Lac du Flambeau Band of the Lake Superior Chippewa Tribe (Wisconsin)
• Ineligible states: Arkansas, Georgia, Maryland, Minnesota, New York, Pennsylvania, Virginia, West Virginia, and Wisconsin
• Find out more or apply

Northcash

• Available loans: Installment loans of $400 to $1,500
• Credit requirement: None; Northcash does not require a credit check or minimum credit score.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen
  • Must have an active checking account
  • Must have a verifiable, recurring source of income
  • Must not be a military member, military spouse, or military dependent
• Fees:
  • Variable APR up to about 795%
  • A late fee of 10% of the payment due will apply if your payment is five or more days late
• Tribal affiliation: Fort Belknap Tribe (Montana)
• Ineligible states: Arkansas, California, Georgia, Maryland, Minnesota, Montana, New York, Pennsylvania, and West Virginia
• Find out more or apply

LoanAtLast

• Available loans: Installment loans of $100 to $2,000
• Credit requirement: None; LoanAtLast does not run a credit check through the three major credit bureaus.
• Other requirements:
  • Must be at least 18
  • Must have a valid checking account in your name
  • Must have a verifiable source of income and banking history
  • Must not have an active bankruptcy case
• Fees:
  • APRs vary based on your qualifications as a borrower, including your payment history, income, and existing debt
  • There is a five-day grace period for late payments, after which LoanAtLast will charge a $20 late fee.
• Tribal affiliation: Lac du Flambeau Band of the Lake Superior Chippewa Tribe (Wisconsin)
• Ineligible states: Arkansas, Connecticut, District of Columbia, New York, Pennsylvania, Vermont, Virginia, West Virginia, and Wisconsin
• Find out more or apply

Bright Lending

• Available loans: Installment loans of $300 to $1,000
• Credit requirement: None; Bright Lending does not require a minimum credit score or good credit history and does not consult the three major credit bureaus — though it does consult with other agencies like Clarity and Factor Trust.
• Other requirements:
  • Must be at least 18
  • Must have an open, active checking account
  • Must have a verifiable, recurring source of income
• Fees:
  • Variable APR
  • A late fee of 10% of the payment due will apply if your payment is five or more days late
• Tribal affiliation: Fort Belknap Tribe (Montana)
• Ineligible states: Arkansas, Connecticut, Massachusetts, Montana, New York, Pennsylvania, Vermont, Virginia, and West Virginia
• Find out more or apply

Sierra Lending

• Available loans: Short-term installment loans up to $1,000
• Credit requirement: None; Sierra Lending does not run a traditional credit check or require a minimum credit score.
• Other requirements:
  • Must be at least 21
  • Must be a U.S. citizen
  • Must have verifiable income (not including military pay, government benefits, alimony, child support, or retirement funds/pensions)
  • Must provide a valid email address and phone number
• Fees: APRs and fees vary based on your qualifications, loan amount, and loan agreement; total charges usually add up to about 33% of the borrowed amount
• Tribal affiliation: Iipay Nation of Santa Ysabel (California)
• Ineligible states: Arkansas, Arizona, Colorado, Connecticut, California, District of Columbia, Georgia, Kansas, Maine, Maryland, Massachusetts, Missouri, Montana, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oregon, Pennsylvania, Vermont, Virginia, Washington, and West Virginia
• Find out more or apply

Riverbend Cash

• Available loans: Installment loans of $300 to $600 for first-time borrowers and up to $1,000 for returning borrowers
• Credit requirement: None; Riverbend Cash uses alternative databases like Clarity and Factor Trust instead of pulling a credit report from one of the three major credit bureaus.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have an income of at least $1,000 per month after taxes; income must be verifiable for the past 90 days
  • Must have a valid checking account, phone number, and email address
• Fees:
  • APRs vary based on your loan amount and repayment schedule
  • Late payment penalties are 10% of the unpaid amount with a five-day grace period
• Tribal affiliation: Fort Belknap Tribe (Montana)
• Ineligible states: Alaska, Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, Vermont, Virginia, and West Virginia
• Find out more or apply

Axis Advance

• Available loans: Installment loans of $300 to $700 for first-time borrowers; loans up to $1,000 are available to returning borrowers
• Credit requirement: None; Axis Advance does not require a minimum credit score or run a credit check through Equifax, Experian, or TransUnion.
• Other requirements:
  • Must be a U.S. citizen
  • Must be employed and working at least 36 hours per week
  • Must have a checking account/debit card in your name
  • Must have a valid driver’s license or state ID and Social Security number
  • Must not be an active member of the U.S. military
  • Must provide a home or mobile phone number
• Fees:
  • Variable APR of about 420% to 780%
  • Late fees and other applicable fees will appear in your loan agreement
• Tribal affiliation: Iipay Nation of Santa Ysabel (California)
• Ineligible states: Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Georgia, Idaho, Illinois, Kansas, Massachusetts, Maryland, Maine, Missouri, Minnesota, Montana, North Carolina, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, Virginia, Vermont, West Virginia, Washington, Wisconsin, and Wyoming
• Find out more or apply

Arrow One

• Available loans: Installment loans of $300 to $700 for first-time borrowers; returning borrowers may be eligible for higher loan amounts
• Credit requirement: None; Arrow One does not run a traditional credit check.
• Other requirements:
  • Must be a U.S. citizen
  • Must be at least 21
  • Must have a checking account that has been open for at least 90 days
  • Must have a valid Social Security number and a government-issued photo ID
  • Must provide proof of income and be working at least 36 hours per week
• Fees:
  • Variable APR
  • Late fees and other applicable fees will appear in your loan agreement
• Tribal affiliation: Iipay Nation of Santa Ysabel (California)
• Ineligible states: Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Georgia, Idaho, Illinois, Kansas, Massachusetts, Maryland, Maine, Missouri, Minnesota, Montana, North Carolina, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, Virginia, Vermont, West Virginia, Washington, Wisconsin, and Wyoming
• Find out more or apply

Tribal Installment Loans for Bad Credit

Blue Trust Loans

• Available loans: Installment loans up to about $1,500 for first-time borrowers and $2,500 for returning borrowers
• Credit requirement: Blue Trust Loans may pull your Equifax, Experian, or TransUnion credit report, but it will typically consult other credit databases instead; no minimum credit score is required.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have an open, active checking account
  • Must have a verifiable source of income
  • Must not be a military member, military spouse, or military dependent
  • Must not have an active bankruptcy case or intend to file for bankruptcy
• Fees:
  • Finance charges of about $13 to $60 per installment, depending on your repayment schedule
  • Late fees and other applicable fees will appear in your loan agreement
• Tribal affiliation: Lac Courte Oreilles Band of the Lake Superior Chippewa Tribe (Wisconsin)
• Ineligible states: Arkansas, Connecticut, Georgia, Massachusetts, Minnesota, New York, Pennsylvania, Vermont, Virginia, Washington, Wisconsin, and West Virginia
• Find out more or apply

Big Picture Loans

• Available loans: Installment loans of $200 to $3,500
• Credit requirement: Big Picture Loans requires a credit check but does not have a minimum credit score requirement. Big Picture Loans accepts applicants with past bankruptcies and other credit issues.
• Other requirements:
  • Must be at least 18 year
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have a valid email address and phone number
  • Must have an open bank account
  • Must have a verifiable source of income of at least $700 per month
  • Must not have other open installment loans with Big Picture Loans
• Fees:
  • Variable APR
  • A late fee of up to $20 will apply if you miss your due date by 10 or more days
• Tribal affiliation: Lac Vieux Band of the Lake Superior Chippewa Tribe (Michigan)
• Ineligible states: No available information
• Find out more or apply

MaxLend

• Available loans: Installment loans up to $2,500
• Credit requirement: MaxLend may pull your credit from one of the three major credit bureaus or consult a different credit database during the approval process; there is no minimum required credit score.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have an active checking account in your name
  • Must have a verifiable source of income received through direct deposit
  • Must not be a military member, military spouse, or military dependent
  • Must not have a current bankruptcy case or intend to file for bankruptcy
• Fees:
  • APRs range from about 470% to 850%
  • Late fees and other applicable fees will appear in your loan agreement
• Tribal affiliation: Mandan, Hidatsa, and Arikara Nation of the Fort Berthold Reservation (North Dakota)
• Ineligible states: Arkansas, Connecticut, Georgia, Massachusetts, Minnesota, New York, North Dakota, Pennsylvania, Vermont, Virginia, Washington, and West Virginia
• Find out more or apply

Mountain Summit Financial

• Available loans: Installment loans up to $1,300 for first-time borrowers and up to $2,500 for repeat borrowers
• Credit requirement: Mountain Summit Financial may run a credit check through one of the three major credit bureaus; there is no minimum credit score requirement.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have an active bank account
  • Must have a verifiable source of income
  • Must not have another active loan with Mountain Summit Financial
  • Must provide a valid email address
• Fees:
  • Variable APR based on your loan terms and qualifications
  • Late fees are $20 and insufficient funds fees are $20 per occurrence
• Tribal affiliation: Habematolel Pomo of Upper Lake (California)
• Ineligible states: Information not available
• Find out more or apply

Plain Green

• Available loans: Installment loans of $500 to $1,000 for first-time borrowers or up to $3000 for returning borrowers
• Credit requirement: Plain Green may run a credit check but does not require a minimum credit score.
• Other requirements:
  • Must be at least 18 (19 in Alabama, Nebraska, and Virginia)
  • Must have a verifiable source of income
  • Must have an active checking account
  • Must provide a valid email address
• Fees: Vary based on the loan amount and the terms of your loan agreement; interest rates generally range from 200% to 440%
• Tribal affiliation: Chippewa Cree of Rocky Boy’s Reservation (Montana)
• Ineligible states: Information not available
• Find out more or apply

American Web Loan

• Available loans: Installment loans of $300 to $2,500
• Credit requirement: While there is no minimum credit score requirement, American Web Loan will do a “soft” credit check with either TransUnion, Equifax, or Experian.
• Other requirements:
  • Must be at least 18
  • Must have a valid Social Security number
  • Must have verifiable employment; some applicants will need to submit documented proof of income (such as pay stubs)
  • Must have an active checking account
• Fees: APRs and fees vary based on your creditworthiness, loan amount, and repayment term
• Tribal affiliation: Otoe-Missouria Tribe (Oklahoma)
• Ineligible states: Arkansas, Connecticut, Georgia, New York, and Washington
• Find out more or apply

White Hills Cash

• Available loans: Installment loans of $300 to $500 for first-time borrowers; returning borrowers may be eligible for loans up to $2,000
• Credit requirement: White Hills Cash may run a credit check but does not require a minimum credit score.
• Other requirements:
  • Must be at least 18
  • Must have an active checking account
  • Must have a verifiable source of income
• Fees:
  • Variable APR
  • A late fee of 10% of the unpaid amount will apply if you do not make your payment within five days of the due date
• Tribal affiliation: Fort Belknap Tribe (Montana)
• Ineligible states: Arkansas, Connecticut, Florida, Maryland, Montana, New York, Vermont, Virginia, Pennsylvania, and West Virginia
• Find out more or apply

CreditCube

• Available loans: Installment loans of $100 to $400 for first-time borrowers; returning borrowers with a positive repayment history may be eligible for loans up to $5,000
• Credit requirement: CreditCube may do a soft credit check or consult a different agency, such as Clarity, during the application process; no minimum credit score is required.
• Other requirements:
  • Must be at least 18 years
  • Must be employed or have a regular source of income
  • Must have an active checking account in your name
  • Must have a valid email address and phone number
  • Must not be a member of the U.S. military or other Covered Borrower under the Military Lending Act
• Fees:
  • APRs range from about 260% to 780% based on your repayment terms and qualifications
  • Late fees are $25 and insufficient funds fees are $25 per occurrence
• Tribal affiliation: Big Valley Band of Pomo Indians (California)
• Ineligible states: Connecticut, Minnesota, New York, Vermont, Virginia, and West Virginia
• Find out more or apply

Evergreen Services

• Available loans: Installment loans of $250 to $600 for first-time borrowers and up to $2,000 for returning borrowers
• Credit requirement: Evergreen Services accepts applicants with low credit scores — as long as you meet the other underwriting requirements; there is no minimum credit score requirement.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have an active bank account
  • Must have verifiable employment for at least the past 90 days
  • Must not be a member of the U.S. military
  • Must provide a valid phone number and email address
• Fees:
  • Finance charges are $15 to $30 for every $100 that you borrow, depending on your qualifications; APRs range from about 275% to 1500%
  • Late fees and other applicable fees will appear in your loan agreement
• Tribal affiliation: Lac du Flambeau Band of the Lake Superior Chippewa Tribe (Wisconsin)
• Ineligible states: Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, Virginia, Washington, West Virginia, and Wisconsin
• Find out more or apply

Silver Cloud Financial

• Available loans: Consumer installment loans of $300 to $1,000 for first-time borrowers or up to $1,500 for returning borrowers
• Credit requirement: Silver Cloud Financial may run a credit check, depending on the information you provide in your application. Silver Cloud Financial accepts applicants with bad credit or no credit history.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must provide personal information, including your name, address, Social Security number, employment information, and banking information
• Fees: APRs, fees, and exact payment terms will appear in your loan agreement
• Tribal affiliation: Habematolel Pomo of Upper Lake (California)
• Ineligible states: Information not available
• Find out more or apply

Lakeshore Loans

• Available loans: Installment loans up to $600 for first-time borrowers and $1,500 for returning borrowers
• Credit requirement: Lakeshore Loans does not have a minimum credit score requirement but may check your credit during the underwriting process.
• Other requirements:
  • Must be at least 18
  • Must have a bank account in your name
  • Must have a valid driver’s license or state ID
  • Must have a verifiable source of income
  • Must receive your income through direct deposit
  • Must provide a valid phone number and email address
• Fees:
  • Variable APR
  • $30 late payment fee
• Tribal affiliation: Lac du Flambeau Band of the Lake Superior Chippewa Tribe (Wisconsin)
• Ineligible states: Arkansas, Arizona, Colorado, Connecticut, District of Columbia, Georgia, Kansas, Massachusetts, Maryland, Minnesota, New Jersey, New York, Oregon, Pennsylvania, South Dakota, Vermont, Virginia, Washington, West Virginia, and Wisconsin
• Find out more or apply

Majestic Lake Financial

• Available loans: Installment loans of $300 to $1,000 for first-time customers and up to $1,500 for returning customers
• Credit requirement: Majestic Lake Financial may run a credit check; no minimum credit score is required.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must not have any other open loans with Majestic Lake Financial
  • Must provide personal information, including a valid email address, banking information, and employment information
• Fees: APR and fees vary based on your qualifications and will appear in your loan agreement
• Tribal affiliation: Habematolel Pomo of Upper Lake (California)
• Ineligible states: Information not available
• Find out more or apply

Golden Valley Lending

• Available loans: Installment loans of $300 to $1,000
• Credit requirement: Golden Valley Lending may run a credit check, depending on the information you provide in your application; there is no minimum credit score requirement.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have a verifiable source of income
  • Must not have more than two active loans with other lenders
  • Must provide a valid Social Security number, address, and banking information
• Fees: Vary based on your qualifications and loan agreement; there is no application fee or pre-payment fee
• Tribal affiliation: Habematolel Pomo of Upper Lake (California)
• Ineligible states: Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Kansas, Maryland, Massachusetts, Minnesota, Montana, New York, North Carolina, Pennsylvania, Vermont, Virginia, and West Virginia
• Find out more or apply

Bright Star Cash

• Available loans: Installment loans up to $1,000
• Credit requirement: Bright Star Cash does not require a minimum credit score and accepts applicants with bad credit, but it may pull your credit report from one of the three major credit bureaus or another agency like Factor Trust during the underwriting process.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have an active checking account
  • Must have a verifiable source of income
• Fees:
  • Variable APR
  • Late fees are $30 and insufficient funds fees are $30 per occurrence
• Tribal affiliation: Lac du Flambeau Band of the Lake Superior Chippewa Tribe (Wisconsin)
• Ineligible states: Arkansas, Connecticut, Florida, Maryland, New York, Pennsylvania, Vermont, Virginia, West Virginia, and Wisconsin
• Find out more or apply

Sky Trail Cash

• Available loans: Installment loans of $100 to $1,000
• Credit requirement: Sky Trail Cash typically does not run a credit check but may do so depending on the information you provide in your application; there is no minimum credit score requirement.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have an income of at least $1,000 per month after taxes, verifiable for at least the past 90 days
  • Must have a valid checking account
  • Must provide a valid email address and phone number
• Fees:
  • Variable APR
  • A late fee of $20 will apply if your payment is 10 or more days late
• Tribal affiliation: Lac du Flambeau Band of the Lake Superior Chippewa Tribe (Wisconsin)
• Ineligible states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Kentucky, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, Vermont, Virginia, West Virginia, and Wisconsin
• Find out more or apply

Arrowhead Advance

• Available loans: Installment loans up to $1,000
• Credit requirement: Arrowhead Advance may run a credit check during the underwriting process, but it does not have a minimum credit score requirement.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen
  • Must have an active checking account
  • Must have a verifiable source of income of at least $1,000 per month
  • Must provide home and work phone numbers
• Fees:
  • Variable APR ranging from 200% to 830%
  • Late fees and other applicable fees will appear in your loan agreement
• Tribal affiliation: Wakpamni Lake Community of the Oglala Sioux Tribe (South Dakota)
• Ineligible states: Alaska, Arizona, Arkansas, Colorado, Connecticut, Georgia, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, South Dakota, Vermont, Virginia, and West Virginia
• Find out more or apply

Bison Green

• Available loans: Installment loans of $200 to $750
• Credit requirement: Bison Green may run a credit check during the underwriting process but it does not have a minimum credit score requirement.
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen
  • Must be currently employed or receiving recurring benefits, with a minimum monthly income of $1,500 received through direct deposits
  • Must have a valid bank account in your name that has been open for at least six months
  • Must not be a member of the U.S. military
  • Must provide two valid phone numbers
• Fees:
  • Finance charges of about 16% for loans with weekly installments; 31% to 34% for biweekly or bimonthly installments; and about 67% for monthly installments
  • Late fees are $30 and insufficient funds fees are $30 per occurrence
• Tribal affiliation: Oglala Sioux Tribe (South Dakota)
• Ineligible states: Connecticut, Minnesota, New York, South Dakota, Virginia, Vermont, and West Virginia
• Find out more or apply

For more information about borrowing, see our article on the different types of loans.