17 Tribal Installment Loans: Direct Lenders, No Credit Check

Tribal installment loans are primarily available online from several legitimate, web-based lending companies with tribal affiliations.

Arrow Funding Group is one of the direct lenders that offer tribal loans with no credit check. Other tribal lenders — including 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 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

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

The List

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).

Direct Lenders With No Credit Check

LoanAtLast

• Available loans: Installment loans of $100 to $3,000^[1]
• Credit requirement: None; LoanAtLast may perform a credit check to determine your ability to repay but lends to people with all credit backgrounds.^[2]
• 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^[2]
• Fees:
  • APRs vary based on your qualifications as a borrower, as well as the loan amount and pay date frequency.^[2]
  • There is a five-day grace period for late payments, after which LoanAtLast will charge a $20 late fee.^[3]
• Tribal affiliation: Lac du Flambeau Band of Chippewa Tribe (Wisconsin)^[4]
• Ineligible states: Arkansas, Connecticut, District of Columbia, Georgia, Illinois, Maryland, New Mexico, New York, Pennsylvania, Vermont, Virginia, West Virginia, and Wisconsin^[1]
• Find out more or apply

Bright Lending

• Available loans: Installment loans of $300 to $1,000 for new customers; up to $2,000 for qualifying return customers^[5]
• 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.^[5]
• Other requirements:
  • Must be at least 18^[6]
  • Must have an open, active checking account
  • Must have a verifiable, recurring source of income^[5]
• Fees:
  • Variable APR
  • A late fee of 10% of the payment due will apply if your payment is five or more days late.
  • A non-sufficient funds or returned payment may result in a fee of $30.^[7]
• Tribal affiliation: Fort Belknap Tribe (Montana)^[8]
• Ineligible states: Arkansas, Connecticut, Massachusetts, Montana, New York, Pennsylvania, Vermont, Virginia, and West Virginia^[9]
• 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^[10]
• Credit requirement: None; Axis Advance does not require a minimum credit score or run a credit check through Equifax, Experian, or TransUnion. However, it may check with other bureaus to help determine your ability to repay the loan.^[11]
• 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^[12]
• Fees:
  • Variable APR of about 420% to 780%
  • Late fees and other applicable fees will appear in your loan agreement^[12]
• Tribal affiliation: Iipay Nation of Santa Ysabel^[10]
• Ineligible states: Arkansas, Arizona, California, Colorado, Connecticut, District of Columbia, Georgia, Idaho, Kansas, Massachusetts, Maryland, Maine, Michigan, Minnesota, Montana, North Carolina, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, Virginia, Vermont, West Virginia, Washington, Wisconsin, and Wyoming^[10]
• Find out more or apply

Arrow Funding Group

• Available loans: Short term consumer loans of up to $1,000^[13]
• Credit requirement: None; Arrow Funding Group works with all credit types. It considers your banking history and verifies employment in making decisions regarding approval.^[13]
• Other requirements:
  • Must be a U.S. citizen
  • Must be at least 18^[14]
  • Must have a checking account and provide banking history
  • Must verify your employment^[13]
• Fees:
  • Variable APR; ranges from 36% to 690%
  • Willing to work with you regarding late and missed payments^[15]
• Tribal affiliation: Big Valley Band of Pomo Tribe^[16]
• Ineligible states: Changes periodically^[17]
• Find out more or apply

Other Options for Bad Credit

eLoan Warehouse

• Available loans: Installment loans up to about $800 for first-time borrowers, up to $1,000 for second-time borrowers, up to $1,500 for third-time borrowers, and up to $2,500 for customers who’ve paid off at least five loans^[18]
• Credit requirement: Approval depends on multiple factors, including income and state of residence; however, eLoan Warehouse may verify your information with credit reporting agencies.^[18][19]
• Other requirements:
  • Must be at least 18
  • Must be a U.S. resident
  • Must have an open, active checking account that meets the minimum opened duration
  • Must have a verifiable source of income that meets minimum take-home requirements
  • Must not be a military member, military spouse, or military dependent
  • Must not have an active bankruptcy case or intend to file for bankruptcy^[19]
• Fees:
  • Non-sufficient funds fees and other applicable fees will appear in your loan agreement^[20]
• Tribal affiliation: Lac Courte Oreilles Band of the Lake Superior Chippewa Tribe^[18]
• Ineligible states: Connecticut, New York, Pennsylvania, and Virginia^[18]
• Find out more or apply

Big Picture Loans

• Available loans: Installment loans of $200 to $5,000 to be repaid in 12 months^[21]
• Credit requirement: Poor to fair^[21]
• Other requirements:
  • Must be at least 18 year
  • Must be a 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^[22]
• Fees:
  • Variable APR from 160% to 699%
  • A late fee of up to $20 will apply if you miss your due date by 10 or more days^[21]
• Tribal affiliation: Lac Vieux Desert Band of Lake Superior Chippewa Tribe^[23]
• Ineligible states: Changes periodically^[21]
• Find out more or apply

MaxLend

• Available loans: Installment loans up to $3,000^[24]
• Credit requirement: Approval depends on multiple factors, including income and state of residence; however, MaxLand may verify your information with credit reporting agencies.^[24]
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have an active checking account that meets the minimum opened duration
  • Must have a verifiable source of income received through direct deposit that meets minimum take-home pay requirements
  • Must not have a current bankruptcy case or intend to file for bankruptcy^[25]
  • Must not be a military member, military spouse, or military dependent^[24]
• Fees:
  • APRs range from about 470% to 850%, depending on loan duration
  • Late fees and other applicable fees will appear in your loan agreement^[24]
• Tribal affiliation: Mandan, Hidatsa, and Arikara Nation of the Fort Berthold Reservation^[24]
• Ineligible states: Arkansas, Connecticut, Georgia, Hawaii, Illinois, Massachusetts, Minnesota, New York, North Dakota, Pennsylvania, Vermont, Virginia, Washington, and West Virginia^[24]
• Find out more or apply

Mountain Summit Financial

• Available loans: Installment loans up to $1,500 for first-time borrowers and up to $2,500 for repeat borrowers^[26]
• 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.^[27]
• Other requirements:
  • Must be at least 18
  • Must be a U.S. resident^[28]
  • Must not have two or more active loans^[27]
• Fees:
  • APR and fees will be in your loan agreement^[26]
• Tribal affiliation: Habematolel Pomo of Upper Lake (California)^[26]
• Ineligible states: Changes periodically^[27]
• Find out more or apply

Plain Green

• Available loans: Installment loans of $500 to $1,000 for first-time borrowers or up to $5000 for returning borrowers^[29][30]
• Credit requirement: Plain Green may run a credit check but does not require a minimum credit score.^[29]
• 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^[31]
• Fees: APR and fees will be in your loan agreement^[31]
• Tribal affiliation: Chippewa Cree of Rocky Boy’s Reservation (Montana)^[30]
• Ineligible states: Information not available
• Find out more or apply

American Web Loan

• Available loans: Installment loans of $300 to $2,500^[32]
• Credit requirement: Some customers are able to qualify with no or poor credit.^[33]
• Other requirements:
  • Must be at least 18^[34][35]
  • Must have a valid Social Security number
  • Must provide driver’s license information^[36]
  • Must have verifiable income received by direct deposit into an active checking account in good standing
  • Must not be a member or dependent of an active duty member of the U.S. military
  • Must have no current loans or past default status loans with American Web Loan^[36]
• Fees: APRs and fees vary based on your creditworthiness, loan amount, and repayment term; this will be disclosed in your loan agreement^[37]
• Tribal affiliation: Otoe-Missouria Tribe (Oklahoma)^[32]
• Ineligible states: Arkansas, Connecticut, Georgia, New York, Vermont, and Virginia^[38]
• Find out more or apply

CreditCube

• Available loans: Installment loans with a minimum of $200; up to $500 for first-time borrowers; returning borrowers with a positive repayment history may be eligible for loans of up to $5,000 over time^[39][40]
• 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.^[41]
• 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^[42]
• Fees:
  • APRs range from about 160% to 780% based on your repayment terms and qualifications
  • Late fees are $25 and insufficient funds fees are $25 per occurrence^[40]
• Tribal affiliation: Big Valley Band of Pomo Indians^[39]
• Ineligible states: Connecticut, Minnesota, New York, Pennsylvania, Vermont, Virginia, and West Virginia^[43]
• 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^[44]
• Credit requirement: Evergreen Services accepts applicants with low credit scores — as long as you meet the other underwriting requirements, such as receiving a steady income; there is no minimum credit score requirement.^[44]
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have a bank account in your name
  • Must receive income
  • Must not be a member of the U.S. military
  • Must provide a valid phone number and email address^[45]
• Fees:
  • APR and fees will be in your loan agreement^[46]
• Tribal affiliation: Lac du Flambeau Band of Lake Superior Chippewa Tribe (Wisconsin)^[47]
• Ineligible states: Arkansas, Colorado, Connecticut, District of Columbia, Georgia, Maine, Maryland, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, Vermont, Virginia, Washington, West Virginia, and Wisconsin^[47]
• Find out more or apply

Uprova

• Available loans: Installment loans ranging from $300 to $5,000^[48]
• Credit requirement: Uprova may run a credit check, depending on the information you provide in your application. Uprova accepts applicants with bad credit or no credit history.^[49]
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • May have to verify personal and financial information^[50]
• Fees: APRs, fees, and exact payment terms will appear in your loan agreement^[48]
• Tribal affiliation: Habematolel Pomo of Upper Lake (California)^[48]
• Ineligible states: Changes periodically^[48]
• Find out more or apply

Lakeshore Loans

• Available loans: Installment loans up to $600 for first-time borrowers and $1,500 for returning borrowers^[51]
• Credit requirement: Lakeshore Loans does not have a minimum credit score requirement; it works with customers who have no credit or bad credit, though it may still check your credit.^[52]
• Other requirements:
  • Must be at least 18
  • Must have an active, valid checking account
  • Must have a verifiable source of income
  • Must receive your income through direct deposit
  • Must provide a valid phone number and email address^[51]
• Fees:
  • Variable APR
  • $30 late payment and NSF fee^[52]
• Tribal affiliation: Lac du Flambeau Tribe (Wisconsin)^[51]
• Ineligible states: Arkansas, Arizona, Colorado, Connecticut, District of Columbia, Georgia, Illinois, Kansas, Massachusetts, Maryland, Minnesota, New Jersey, New Mexico, New York, Oregon, Pennsylvania, South Dakota, Vermont, Virginia, Washington, West Virginia, and Wisconsin^[51]
• Find out more or apply

Sky Trail Cash

• Available loans: Installment loans of $100 to $1,000^[53]
• 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.^[53]
• Other requirements:
  • Must be at least 18
  • Must be a U.S. citizen or permanent U.S. resident
  • Must have an income verifiable for at least the past 90 days
  • Must have a valid checking account in your name
  • Must provide a valid email address and phone number^[53]
• Fees:
  • Variable APR
  • A late fee of $20 will apply if your payment is 10 or more days late.
  • Returned funds will result in a $30 fee.^[54]
• Tribal affiliation: Lac du Flambeau Band of Lake Superior Chippewa Tribe (Wisconsin)^[55]
• Ineligible states: Alaska, Arkansas, Connecticut, District of Columbia, Illinois, Maine, Massachusetts, Minnesota, New Hampshire, New Jersey, New Mexico, New York, Pennsylvania, Vermont, Virginia, West Virginia, and Wisconsin^[55]
• Find out more or apply

Arrowhead Advance

• Available loans: Installment loans up to $1,500^[56]
• Credit requirement: Arrowhead Advance may run a credit check during the underwriting process, but it does not have a minimum credit score requirement.^[57][58]
• Other requirements:
  • Must be at least 18
  • Must be a U.S. resident and have a valid Social Security number
  • Must have a current checking account
  • Must be employed and receive at least $1,000 a month^[59][58]
• Fees:
  • Variable APR ranging from 200% to 830%
  • Late fees and other applicable fees will appear in your loan agreement^[60]
• Tribal affiliation: Wakpamni Lake Community of the Oglala Sioux Tribe (South Dakota)^[56][61]
• Ineligible states: Information not available
• Find out more or apply

Bison Green

• Available loans: Installment loans of $200 to $750^[62]
• Credit requirement: Bison Green may run a credit check during the underwriting process but it does not have a minimum credit score requirement. It works with customers who have bad or no credit.^[63]
• 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^[62]
• Fees:
  • Finance charges of about 15% for loans with weekly installments; 31% to 33% for biweekly or bimonthly installments; about 67% for monthly installments
  • Late fees are $30 and insufficient funds fees are $30 per occurrence^[62]
• Tribal affiliation: Oglala Sioux Tribe (South Dakota)^[64]
• Ineligible states: Connecticut, Maryland, Minnesota, New York, South Dakota, Virginia, Vermont, and West Virginia^[64]
• Find out more or apply