Tribal Installment Loans

Updated February 02, 2019

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2019 Tribal Installment Loan Rankings

Tribal installment loans are quick, simple, do not require good credit, and can get one up to $10K cash often by the next day. They are expensive only make sense for short-term, emergency funding. We only review direct lenders so you know your lender before you apply, their reputation (Sniff Test), and their history.

Company Name Description Costs* Sniff Rating
Ace Cash Express
Large online established lender. A+ BBB Score.
Multiple loan options. Physical store fronts too.
Governing Law: TX
APR: 398%
Amount: $200-$2K
Payments: 1-5
Freq: bi-weekly
Cost: $31 - $1K
Large, publicly traded online lender.
Use promo code: NEWCASH25 to save 25%
Governing Law: State Lic.
APR: 388.93%
Amount: $300-$2,000
Payments: 7-15
Freq: monthly
Cost: $492 - $7.9K
Net Credit
Rates based on amount and eligibility. All credit types.
Build credit with timely payments. $1k-$10K.
Governing Law: State Lic.
APR: 35% - 210%
Amount: $1k - $10K
Payments: 36 - 130
Freq: bi-weekly
Cost: $300 - $11K
Cash Central
Discounts for repeat customers. Live chat.
B BBB rating. All credit types.
Governing Law: State Lic.
APR: 150% - 240%
Amount: $1K-$5K
Payments: 39-52
Freq: bi-weekly
Cost: $3K - $11K
Competitive rates based on amount and eligibility.
Loans from $1K-$10K. All Credit Types.
Governing Law: State Lic.
APR: 59% - 199%
Amount: $1K-$10K
Payments: 9-36
Freq: bi-weekly
Cost: $4,742-$10,237
Military members not eligible.
Money back guarantee.
Governing Law: State Lic.
APR: 125% - 364%
Amount: $100 - $5K
Payments: 8 - 50
Freq: bi-weekly
Cost: $72 - $13.2k
Charges upfront admin fee.
Reports to credit bureaus.
Governing Law: State Lic.
APR: varies
Amount: varies
Payments: varies
Freq: monthly
Cost: varies by state
New lender with experienced team.
Loans up to $2,600. All credit types.
Governing Law: State Lic.
APR: 165%-349%
Amount: $500-$3K
Payments: 16-60
Freq: bi-weekly
Cost: $736-$8,684
Check 'n Go
State licensed lender.
A+ BBB rating. Has physical storefronts.
Governing Law: State Lic.
Speedy Cash
State licensed lender. Pricing shown is based on TX rates.
Pricing appears high. They have store fronts
Governing Law: State Lic.
APR: 610%
Amount: $750
Payments: 12
Freq: bi-weekly
Cost: $1,539
Cash Store
State Lic lender only. Pricing shown is based on TX rates.
Must go to store to complete application.
Governing Law: State Lic.
APR: 583%
Amount: $1,000
Payments: 12
Freq: bi-weekly
Cost: $1,946
Blue Trust Loans
Offers loans up to $2,000 in 39 states.
All credit types. Minimum Income Required: $850/mth.
Governing Law: Tribal
APR: 782%
Amount: $1K
Payments: 1
Freq: bi-weekly
Cost: $290.50
Offers loans up to $2,000. F BBB rating.
All credit types. Minimum Income Required: $850/mth.
Governing Law: Tribal
APR: 782%
Amount: $1000
Payments: 1
Freq: 14
Cost: $290.50
Cash Advance Now
Tribal lender. Upfront disclosures and pricing.
Purchased name and domain in Sept 2012.
Governing Law: Tribe
APR: 695%
Amount: $300
Payments: 34
Freq: bi-weekly
Cost: $1,842
Just Military Loans
Specialize in Military Loans. Pricing not listed.
15 day cancellation policy. Full refund of fees.
Governing Law: Delaware
APR: 0.00
Amount: 0.00
Payments: 0.0
Freq: 0.0
Cost: 0.00
Tribal Lender. Line of credit product
Rates similar to payday loans
Governing Law: Tribe
APR: 279%
Amount: $500
Payments: 20
Freq: 14
Cost: $730
American Web Loan
Tribal Lender based in Oklahoma.
Very little information provided on their site
Governing Law: Tribal
APR: ?
Amount: ?
Payments: ?
Freq: ?
Cost: ?

* Costs vary by state. Cost shown are based on pricing for Delaware residents when available. Check each lender's website for updated information. Some lenders will not provide pricing data until an application is completed.

What Are Tribal Installment Loans

These loans are installment loans offered by lending institutions owned and operated by a federally-recognized Native American community. The loans are typically available to individuals with poor credit and are generally unsecured. The loan payments are generally due on your pay date. They are typically very easy to qualify for but can be expensive so are best used to meet unavoidable emergency expense like utility or medical bills.

Although tribal lenders offer many of the same products as traditional lenders, because they are run on Native American reservations, they are considered sovereign nations and operate under different restrictions from traditional lenders. Many tribal lenders are members of the Native American Financial Services Association (NAFSA) a national trade association formed to advocate for tribal sovereignty, promote responsible financial services, and provide better economic opportunity in Indian Country. NAFSA promotes best practice standards around lending, operations, advertising, and payments. Remember that NAFSA is a trade organization so, unlike state regulated traditional lenders, tribes are not legally bound to follow these guidelines.

Tribal lenders do generally provide other benefits to society. These lenders often provide significant positive economic impact on tribes through social giving, education, housing, employment and youth programs.

Tribal lenders are able to lend money to both tribal and non-tribal borrowers which means they are even able to lend money to residents in states where short term lending is normally illegal. In fact, in states where sort term lending is banned, these tribal lenders are the only lenders providing borrowers with an option of short term loans. Most tribal lenders operate as fair lenders but remember these lenders are not regulated by states so may not have the same restrictions as licensed state lenders.

These loans are paid back over multiple periods with a set payment amount. They are also called term loans because they are paid back over a set term. The payment amount is calculated based on the interest rate, payment periods, and loan amount. The borrower then makes a set payment at every period. Each payment consists of interest and principal. Once the borrower has completed all payments the entire loan is paid off. Personal loans, fixed mortgages, auto loans, and student loans are examples of term loans.

Secured Or Unsecured

There are two types of loans: secured and unsecured. Secured loans have collateral so, if the borrower fails to re-pay the loan, the lender can seize the collateral. Secured loans are generally cheaper than unsecured loans. Mortgages and auto loans are examples of secured loans

The personal loans offered on this site are unsecured loans. This means no collateral is needed. When a borrower fails to pay back an unsecured loan the lender generally has no recourse to recover their funds. As a result, the lending decision around unsecured loans depends on evaluating the ability of the borrower to repay the loan. To determine this likelihood of replayment lenders traditionally rely on credit history, expenses, and income.

Paycheck Installment Loans

Loans offered on this site are paycheck based loans. This means that the payments for these loans often occur on your pay date. These loans, unlike normal unsecured loans, do not consider your credit history and instead are based solely on your paycheck. To increase the likelihood of being repaid most lenders require access to the account where you receive your paycheck so they can deduct your loan payments as soon as you are paid.

Companies offering paycheck tribal installment loans have have made these loans very convenient. The loans are quick, simple, and do not require good credit. This convenience and flexibilty does come at a cost -- these loans are expensive.

How Tribal Installment Loans Work

If tribal installment loans are right for you, the application process can take less than 5 minutes. In general the lender will require that you are 18+ years old, are employed, and have direct deposit. If approved, cash can be deposited into you account within one business day. This money must be repaid in full. Payments are generally automatically deducted from your checking account on payday.

Once approved the lender will give you a payment plan. For example, $1,000 could have a repayment plan with a ~$125 payment every pay period (14 days) over the next 24 pay periods. In the end ~$1,000 costs ~$2,400. This is cheaper than what you would have to pay if you took out a payday loan for the same timeframe, but clearly not cheap so make sure you really need this loan. See borrow money options for other borrowing ideas such as delaying the expense or getting help from a friend.

Licensed Versus Unlicensed Lenders

Tribal installment loans may be regulated by both federal and state laws. State licensed lenders are regulated and monitored by the state. Unlicensed lenders operate in states under the assumption they can export laws from their state or tribe (Indian Tribes are generally treated as federal entities) into other states. The validity of this assumption is unclear. The Payday Hound believes licensed lenders are a safer choice for borrowers. For more information see Payday Loan Laws or Installment Loan Lenders

Installment Versus Payday Loans

The difference between the two is that installment loan payments are spread out over time while payday loans are do all at once. Spreading payments out reduces the amount of individual payments and APR but the total fees paid increases. See Payday Loans or Term Loans for more information. Many consumers prefer installment loans because paying the entire loan at your next pay period, as payday loans require, is often too difficult or impossible and renewing payday loans becomes extremely expensive.

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