6 Tribal Loans (No Teletrack) Listed

Do any tribal lenders not use Teletrack to check your credit history? Is it possible to choose from a list of tribal loans, no Teletrack used? In short, no. We weren’t able to find any tribal lenders that don’t use Teletrack. But, the good news is, there are still options for you if you’re looking for a loan that doesn’t require a credit check — or only does a “soft” pull on your credit. We have the list of lenders below.

Where to Get Tribal Loans (No Teletrack)

Teletrack is an alternative 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 were unable to find any tribal lenders that don’t use Teletrack. (Beware: If a lender advertises it does not use Teletrack, it could be a scam.) However, below we’ve listed a few options for loans from lenders that do not require a credit check — or will only do a “soft” pull of your credit, which does not impact your credit score.

Note: 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 payday loans, which tend to have short repayment terms and high interest rates, but should be kept in mind when applying for any loan. 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.

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 to qualify: 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.
  • How to apply: Apply for a loan from Allied Cash Advance online or at an Allied Cash Advance near you.
  • More information: Allied Cash Advance

CashNetUSA

  • Type of loan(s): Payday loans
  • Credit check required? No
  • Terms: Vary by state. In California, for example, loans range up to $255, with either a flat fee of $45 or $17 per $100 borrowed (whichever is lesser); APRs range from 207 to 238% and the full balance is due on your next payday.
  • Requirements to qualify: Must be a U.S. citizen over age 18 with a steady income and a checking account
  • Other important details: Check your state for CashNetUSA’s rates and terms.
  • How to apply: Apply for a loan from CashNetUSA online.
  • More information: CashNetUSA

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 to qualify: Your vehicle must be paid off, and you must have proof of comprehensive and collision insurance. You also must not be in bankruptcy and 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.
  • How to apply: Apply for a loan from Finova Financial online.
  • More information: Finova Financial

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 to qualify: 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.
  • How to apply: Apply for a loan from LendUp online.
  • More information: LendUp

See more companies similar to LendUp.

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 to qualify: 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+ BBB rating.
  • How to apply: Apply for a loan from OppLoans online.
  • More information: OppLoans

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 to qualify: Must be a U.S. citizen over age 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.
  • How to apply: Apply for a loan through Same Day Loans online.
  • More information: Same Day Loans

In Summary

Unfortunately, we cannot bring you a list of tribal loans, no Teletrack used. If possible, we would have reported it here. There aren’t any tribal lenders that offer loans without running a check through Teletrack. However, you may qualify for a loan from another lender without a credit check, such as through OppLoans, CashNetUSA, or LendUp. For more information on payday loans you can get without a credit check or faxing, see our article: Payday Loans: Online, No Credit Check, Instant Approval, No Faxing. If you don’t absolutely need a tribal loan, see our article about generic no Teletrack payday loans.

If you’ve decided you’re okay with Teletrack, you may want to read our more general article about where to get a tribal loan.

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