Tribal Loans (No Teletrack): 6 Lending Options Listed

Tribal loans are a type of personal installment loan offered by Native American lenders, and they are used as alternatives to other types of short-term loans, such as payday loans. We were unable to find any tribal lenders that don’t use Teletrack.

Teletrack is a credit reporting agency, often used instead of the big three credit reporting agencies (Experian, TransUnion, and Equifax). The Teletrack system is most commonly used by payday lenders. In addition to giving details on your financial history, Teletrack provides lenders with a credit risk assessment of you as a borrower.

We weren’t able to find any tribal lenders that don’t use Teletrack. Fortunately, however, there are still options for you if you’re looking for a loan that doesn’t require a credit check, or one that only requires a “soft” pull on your credit. We have the list of these lenders below.

Where to Get Tribal Loans (No Teletrack)

All of the tribal loan lenders we researched use Teletrack for approval decisions. In fact, if a lender advertises that it doesn’t use Teletrack, it could be a scam. However, we’ve listed below a few options for tribal loan alternatives from lenders that do not require a credit check — or those that will only do a “soft” pull of your credit, which will not impact your credit score. We’ve ordered the list below starting with the best overall options.

Though a soft pull of your credit will not impact your score, it’s important to know that loans can damage your credit score or lead to a cycle of debt. This is especially true for short-term loans that have high interest rates, but it can happen with any loan. You should check the terms of the loan when applying; it’s best to be aware of the loan’s total cost, as well as any penalties the lender may charge if you have a late or missed payment. Understanding the loan’s terms will help you budget for a repayment plan you know you’re able to afford.

OppLoans

• Type of loan(s): Installment loans
• Credit check required? No; OppLoans checks your financial background using Clarity Services.
• Terms: Loans range from $500 to $5,000, with interest rates of 59% to 199%, plus fees; repayment periods range from five to 24 months.
• Requirements: You must be employed with at least $1,500 in monthly income. You must have a bank account, receive direct deposit, and live in one of the states where OppLoans operates.
• Other important details: The average OppLoans borrower has a credit score of 560. While this provider may be a step up from payday loans, interest rates are still high. However, OppLoans has an A+ rating with the Better Business Bureau.
• Find out more or apply

Finova Financial

• Type of loan(s): Auto equity loans
• Credit check required? Soft credit check only
• Terms: Loans range from $750 to $5,000 with repayment terms up to 12 months; interest rates range from 17% to 30%, plus fees.
• Requirements: Your vehicle must be paid off, and you must have proof of comprehensive and collision insurance. You also must not be in bankruptcy, and you must live in one of the states where Finova Financial operates.
• Other important details: While interest rates are low, Finova Financial often charges high fees — sometimes as much as the value of the loan.
• Find out more or apply

Allied Cash Advance

• Type of loan(s): Payday loans
• Credit check required? No
• Terms: Loans range from $50 to $1,500, with the full balance due on your next payday; there is a one-time fee, which varies based on your state.
• Requirements: Proof of income, a valid government-issued photo ID, and a checking account
• Other important details: Allied Cash Advance charges fees on payday loans instead of interest.
• Find out more or apply

CashNetUSA

• Type of loan(s): Payday loans
• Credit check required? No
• Terms: Vary by state. Loans range from $100 to $2,500, and APRs can be as high as 400% or more
• Requirements to qualify: Must be a U.S. citizen over the age of 18 with a steady income and a checking account
• Other important details: All loans may be subject to maintenance fees and origination fees, which vary by state. Some states charge fees instead of interest.
• Find out more or apply

LendUp

• Type of loan(s): Installment loans, lump-sum loans
• Credit check required? No; LendUp checks your financial background using Clarity Services.
• Terms: Lump-sum loans range from $100 to $500, with interest rates of 150% to 1,350%; loans must be paid back within 30 days. Installment loans range from $100 to $1,000, with interest rates of 30% to 180%; loans must be paid back in three to 12 months.
• Requirements: Must have a bank account, have a valid address and phone number, and must live in one of the states were LendUp operates.
• Other important details: If you use LendUp repeatedly and successfully, you’ll gain access to larger loans with better terms and lower interest rates.
• Find out more or apply

Our related article has more information about companies similar to LendUp.

Same Day Loans

• Type of loan(s): Payday loans
• Credit check required? No; may vary by lender
• Terms: Loans range from $50 to $1,000, with interest rates of 40% to 2,290%.
• Requirements: Must be a U.S. citizen over the age of 18 with a steady income and a checking account.
• Other important details: Same Day Loans is not a direct lender; it will connect you with offers from lenders.
• Find out more or Apply

In Summary

Unfortunately, we cannot provide a list of tribal loan lenders that do not use Teletrack. However, you may qualify for a loan from another lender without a credit check, such as through OppLoans or Finova Financial, both of which offer alternatives to payday loans, and with reasonable interest rates. For more information on payday loans you can get without a credit check or faxing, we list the places that offer this.

If you don’t mind borrowing from a lender that uses Teletrack, you may want to check out our article about where to get a tribal loan.