Blue Trust Loans Review: Fast Tribal Lending with 471-841% APR Rates

Written by Lorien Strydom

- Dec 31, 2025

Adheres to
Reviewed by Ricardo Laizo

Blue Trust Loans provides quick access to cash with a straightforward application process and no credit score requirements, making it accessible for emergency funding.

However, the extraordinarily high APRs (471-841%) can trap borrowers in cycles of debt. While it offers longer repayment terms than typical payday loans, the tribal lender status means fewer consumer protections apply.

Consider all alternatives before choosing this costly option.

  • Fast online loan application process

  • Early repayment without any penalties

Blue Trust Loans is closed

This company is no longer operating. Consider some other options below.

How Blue Trust Loans compares - Financer Scoreâ„¢

Financer scoreâ„¢ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.

Financer Scoreâ„¢69

Pricing

20

Extremely high APR rates ranging from 471.78% to 841.45%, far exceeding reasonable market rates. Charges up to $59 per $100 borrowed on monthly payments, resulting in customers paying multiple times the original loan amount.

Customer Support

20

Company is closed so there was no way in testing their customer support.

Terms and Flexibility

40

Operates under tribal law which circumvents standard consumer protection regulations. While terms are disclosed, the tribal jurisdiction limits dispute resolution options and removes government oversight that would normally protect borrowers.

Popularity

87

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

93

Most of the reviews for this company were negative, with customers complaining about the high interest rates that they had to pay for their loans.

Summary

  • Loans from $100 to $3,000

  • Repayment period of up to 6 months

  • Higher APR rates

  • Rewards customers in good standing with better rates.

What is Blue Trust Loans?

Blue Trust Loans is a tribal lender that is owned and operated by the Lac Courte Oreilles Band of Lake Superior Chippewa Indians.

Blue Trust Loans offer personal installment loans between $100 to $3,000, although first-time borrowers will be limited to $1,200.

Installment loans from Blue Trust Loans typically have a high APR — usually between 471.78% to 841.45%. Loan terms can be up to six months.

Blue Trust states that it is a better alternative to a traditional payday loan.

How Blue Trust Loans Work

The moment you arrive on the website, you see an offer to apply for a loan of up to $3,000 that will be deposited into your bank account as soon as the next day.

Blue Trust Loans does not offer loans to Active Duty Military, their dependents, or spouses. In addition to this, loans are not available in all states.

Note

Blue Trust Loans does not fund loans in these states: Arkansas, Connecticut, Georgia, Hawaii, Massachusetts, Minnesota, New York, Pennsylvania, Vermont, Virginia, Washington, Wisconsin, or West Virginia.

Loan Requirements

Here are the loan requirements when applying for a loan:

  • Be at least 18 years old

  • Have an active bank account that accepts direct deposits.

  • Have a regular stream of income.

  • Have a valid contact number and an active email address.

  • No minimum credit score is required.

Rates & Fees

APR rates range from 4.71.7846% to 841.4532% depending on the loan origination fees and the duration of the loan.

There is no cost to use the Blue Trust Loans website and there may be a loan origination fee, which will be disclosed in the terms prior to accepting the loan.

Payment Terms

Loan repayment terms range from 270 to 300 days.

Failure to make repayments on time will incur late fees and penalties, as stated in the loan agreement. Loans may be paid in full with no early payment penalty.

Fill out the online application

Completing the online application takes only a few minutes and if approved you can eSign your documents immediately.

Verify your information

A customer service representative will call to verify you rinformation, or you can call them 24/7. Once your details have been confirmed you will receive a copy of your loan agreement via email.

Receive your funds

The money will be deposited into your bank account as soon as the same day.

Blue Trust Loans are convenient for borrowers that need cash quickly but don’t have time to complete an in-person loan application.

All documents are eSigned after approval, so the loan can be finalized.

When performing a Blue Trust Loans review, you’ll find that it doesn’t specify income requirements or checking account duration.

This information will be provided by the representative once the loan request is made.

Our Blue Trust Loans Review

Blue Trust Loans is different from payday loan lenders because it offers installment loans that give the customer six months to pay it back in full.

Instead of applying an interest rate, the loan costs the customer for every $100 borrowed, and this is charged monthly, biweekly or weekly.

Fortunately, the option is there to pay back the loan early to save money.

You’ll also find during a Blue Trust Loans review that the company is operated by Hummingbird Funds, LLC, which is a sovereign enterprise of the Lac Courte Oreilles Band of Lake Superior Chippewa Indians.

Loans serviced by this tribe-regulated entity are not subject to government oversight.

While the American Indian Tribe is recognized by the federal government, any complaints are resolved using Tribal Law and the loan agreement.

This is something to consider carefully before signing up for this fast and completely legitimate loan option.

Is Blue Trust Loans Safe?

Yes. Blue Trust Loans is a member of both the Native American Financial Services Association and the Online Lenders Alliance.

The privacy policy of Blue Trust Loans outlines how they collect and share your personal information, which can include your bank account information, Social Security number, or credit history.

You can choose to limit some of this sharing by contacting their customer service department. The Blue Trust Loans phone number is 1-877-770-2682.

Blue Trust Loans FAQs

What happens after I complete the application?

Your application is reviewed and a customer service representative may contact you to verify your information. You'll need to eSign your loan agreement and your money will be deposited no later than the next business day. Once your loan is approved, you may also become a member of the Club Blue Rewards Program.

How soon will I get my money?

Once your loan is finalized, the money will be deposited into your bank account usually the same day, or at the latest the next business day.

What is the maximum loan amount available?

First-time customers can quality for up to $1,500 and returning customers can qualify for up to $3,000.

When should I repay my loan?

Payments are due on the scheduled payment dates, which is usually in line with your salary date. Most installment loans are up to 9 months for new customers but you may pay in full earlier without penalty.

Can I pay back a loan early?

Yes, you can pay back your loan earlier without any penalties.

What happens if I can't make a payment?

You should contact a representative as soon as possible to explore alternative payment arrangements to remain in good standing.

What will a loan cost?

Below is the typical cost for new customers based on the rates per $100 borrowed:

Weekly Pay Period

Bi-Weekly Pay Period

Semi-Monthly Pay Period

Monthly Pay Period

up to $14.75

up to $29.50

up to $29.50

up to $59.00

What is the Blue Trust Loans login?

You can log in to your account on their homepage.

Latest Reviews

C

Carlos

Mar 30, 2025
Very happy Customer
A

Anonymous

Mar 16, 2025
Very happy Customer

Great and fast.. Waiting on backpay and this company came through..

Interest is high but based on bad credit and no credit check I think it's fair game..

KM

Kevin Murphy

Apr 21, 2024
Very happy Customer

Great customer service and quick payout

N/A

TB

Thomas B.

Apr 9, 2024
Satisfied Customer

Most of my experience with this company has been positive. The reps I've spoke to are always very friendly and their service is usually always quick and efficient.

I had a loan with Rise Credit and I found their option to select the amount of the loan and the terms to be phenomenal. Blue Trust doesn't offer the same flexibility in choosing your payment terms.

M

Marcia

Dec 9, 2023
Very happy Customer

Convenient, fast response, good service

high ARP

MJ

Michael Johnson

Oct 11, 2023
Very happy Customer

I would like to express my utmost satisfaction with Blue Trust Loans, a financial institution that has consistently proven to be a reliable and trustworthy partner. Their customer service is excellent and the loan process is transparent.

no cons that I have experienced

VR

Valarie Rowe

Feb 23, 2023
Very happy Customer
H

Hahnmysha

Jan 17, 2023
Satisfied Customer

the best thing is the facilities sis very goods can be easy to new ones

the pricing is the most bad thing about tit

JW

Jennifer Walsh

Dec 3, 2022
Very unhappy Customer

Easy application process.

Not a lender. So be prepared for 500 companies to call you that they've sold your info to.

AK

Amanda K.

Oct 20, 2022
Very unhappy Customer

None except they get your money to you very quickly

No website. Cant get any answers after you get money and they start deducting it from your account. On 550.00dollars I have paid $2771.00. Dont use this company, the interest rates are predatory.

BT

Brandon T.

Oct 4, 2022
Very happy Customer

A good lender overall. Provided fast payout, got a positive feeling of the support.

J

Jennifer

Jul 14, 2022
Very happy Customer

Hi there, I put in a loan application with this company and I've been talking with someone named Joyce Richards. Thing is, they're asking me to pay R699.00 upfront before I get my loan - is this legitimate? Thanks, Chantelle

M

Mirojobmw

Jun 10, 2022
Dissatisfied Customer

They were decent until December 2021.

High interest but really not a secret. The main CON is the change in the loan process in 2022- you used to sign the application and get approved quickly, but now there are more hoops to jump through.

RJ

Robert Johnsonn

May 7, 2022
Very happy Customer

My experience has been straightforward and hassle-free. Maybe once or twice I needed to reschedule some payments but they've always been willing to help however they can. Really love Blue Trust Loans!

BT

Brandon T.

May 5, 2022
Very happy Customer

Amazing service and super fast deposit into your account. Thanks so much for everything.

MP

Michael Patterson

May 4, 2022
Very happy Customer

Had a good experience, just wish the loan term could be longer

SM

Sarah Mitchell

May 4, 2022
Very happy Customer

Simple to work with.

DR

Daniel R.

Apr 20, 2022
Very happy Customer

Been with this company on and off for years now. For what they provide, I haven't found anyone better than Blue Trust. Always liked their customer service portal but with the recent improvements, I can now schedule extra payments online without being stuck on hold. Speaking of phone time, their service reps are fantastic. They're helpful and personable. As long as I need this kind of loan, Blue Trust is where I'll go.

CR

C. Richardson

Apr 20, 2022
Very happy Customer

Great, thanks so much.

CD

Christopher Davis

Apr 19, 2022
Very happy Customer

My shed collapsed and I desperately needed a replacement because my riding mower and tools were trapped inside. I reached out to Blue Trust Loan and by the next day the money hit my account and I'm so grateful. They saved me during the pandemic and helped me provide for and feed my whole family (10 people) who were all stuck at my place

t

techguy_ray

Apr 19, 2022
Very happy Customer

I had multiple questions about my loan with Blue Trust Loans. The representative answered nearly all my questions. A few things she wasn't sure about. She politely asked if she could place me on hold briefly to check with her manager. In my view she really went the extra mile to ensure she gave me the best answers possible. It made me feel really confident about proceeding with my loan application.

D

David

Apr 14, 2022
Satisfied Customer

was so fast and great for me investor

too pricy for my states

OK

Oleksandr Kovalenko

Mar 31, 2022
Very happy Customer

The staff is super helpful, they're always there to assist you and they're really friendly

RC

Robert Chen

Mar 9, 2022
Satisfied Customer

I got approved for a loan that I've been making payments on for about almost a year now, no late payments, I tried to Re-apply for another loan but was denied despite my perfect payment history.

AF

Amanda Foster

Mar 9, 2022
Very happy Customer

Blue Trust Loans is a reliable company that works on your schedule and takes time with each customer giving you flexibility to pay back your loan the staff are really professional courteous respectful and know their stuff I'll definitely use Blue Trust Loans again in the future and I'm already telling my friends and family about them.

PS

Priya Sharma

Mar 4, 2022
Very happy Customer

Getting my loan approved was completely hassle-free

JA

James Anderson

Feb 7, 2022
Very happy Customer

The whole process was straightforward. My loan agent was really polite and took their time with me.

DB

David Bennett

Feb 7, 2022
Very happy Customer

Courteous, professional staff who laid out what to expect and gave me different payoff choices.

R

Rachel

Feb 7, 2022
Very happy Customer

They were super helpful and walked me through everything. I'll definitely use them again

ER

Emily Rodriguez

Feb 7, 2022
Very happy Customer

Excellent service from the staff, approachable and simple to navigate

LJ

Lars Johansen

Feb 7, 2022
Very happy Customer

The staff was polite and ready to assist.

MC

Matthew Collins

Feb 7, 2022
Very happy Customer

This is the top spot in America for getting a fast loan with zero hassles.

S

Steven

Feb 2, 2022
Very happy Customer

Really responsive and super quick turnaround

JW

Jessica W.

Feb 2, 2022
Very happy Customer

You really accommodate people and their situations and when customers reach out needing help with their monthly payments you're happy to assist and I'd definitely recommend you to others. I'm completely satisfied as your customer.

FE

Frank Evans

Feb 1, 2022
Very happy Customer

Highly recommend this company if you're looking for a personal loan - they're excellent to work with.

EP

Emma Peterson

Feb 1, 2022
Very happy Customer

Every time I've applied, the rep has been super professional and respectful. They walked me through everything step by step which I really appreciate. Great job guys

CD

Christopher Dixon

Feb 1, 2022
Very happy Customer

Getting my loan worked out really well

KB

Kevin Bickley

Feb 1, 2022
Very happy Customer

Really appreciate you guys coming through with the loan right when I needed it. Your professionalism meant a lot and I'll definitely be recommending you to people

RP

Rebecca P.

Jan 25, 2022
Very happy Customer

BLUE trusts loans has helped me out multiple times when I needed cash fast the payments are straightforward And so is the whole process

VS

Victor Santiago

Jan 25, 2022
Very happy Customer

Really helpful whenever I'm in a bind

LR

Laura Rice

Jan 24, 2022
Very happy Customer

The whole process was simple especially when you need something fast. Everyone I talked to was respectful, really listened well. Compassionate and friendly

YT

Yuki Tanaka

Jan 24, 2022
Very happy Customer

Really good staff they're always available whenever I need assistance covering a bill

LR

Letitia Robinson

Jan 19, 2022
Very happy Customer

Every person I dealt with was professional and eager to assist. Overall it was a really positive experience.

OK

Oleksandr Kovalenko

Jan 18, 2022
Very happy Customer

Giving 5 stars because you've been awesome & my most recent loan went through super fast & simple

m

marcus_t

Jan 18, 2022
Very happy Customer

Outstanding service

A

Ashley

Jan 18, 2022
Very happy Customer

Super quick....zero problems....

TB

Travis Bennett

Jan 18, 2022
Very happy Customer

Thanks you guys rock

SR

Shanice Russell

Jan 17, 2022
Very happy Customer

Had a really positive experience with blue trust loan they're willing to work things out with you if you're honest about why your payment's running late, when I need to borrow again I'll definitely use them

NP

Nicole P.

Jan 17, 2022
Very happy Customer

Been working with Blue Trust for around 3 years at this point. Started using Blue Trust when the pandemic hit. They showed a lot of patience and were ready to assist. No crazy repayment amounts, what I appreciated most was how flexible the payoff plans were. Blue Trust has been there for my family and me and I'm really glad I discovered them, along with their friendly staff. Thank you

JC

James Caldwell

Jan 17, 2022
Very happy Customer

Super Super Friendly and Polite , The whole team put in maximum effort helping me get approved for the loan even with all the obstacles we ran into

PS

Priya Sharma

Jan 7, 2022
Very happy Customer

Great company to do business with!

TW

Tamika Washington

Jan 5, 2022
Very happy Customer

I was looking for a loan. Blue Trust had enough faith in me to approve one. The people there are respectful n nice. It was quick n simple. I tell All my friends n family about them. Thank YOU Blue Trust For Your Help.

SB

S. Brooks

Jan 4, 2022
Very happy Customer

Blue Trust Loan came through for me when nobody else did. I'm extremely thankful to them. Thank you so much

t

tjack99

Jan 4, 2022
Very unhappy Customer

Their customer service is nonexistent... after you're approved for a loan.. they won't communicate with you anymore.. called the 877-770-2682 line and it just disconnects,. They offer a text option 70680 and nobody responds... they provide an email option and nobody answers... but close the checking account they auto-withdraw from and they'll contact you immediately

RC

Robert Chen

Jan 4, 2022
Very happy Customer

Needed assistance over the holiday season and Blue Trust Loans came through for me!

JM

Jennifer Martinez

Jan 4, 2022
Very happy Customer

Love how fast and simple getting these loans is. Support team is friendly and always ready to help

DT

David Thompson

Jan 4, 2022
Very happy Customer

Getting the cash was simple no problems so far weekly payments work great planning to use them again

RF

Rachel Foster

Jan 4, 2022
Satisfied Customer

Got my emergency cash that same day. Their customer support team was absolutely excellent

B

Brandon

Jan 4, 2022
Very happy Customer

Great company to work with

DH

Deborah H.

Jan 4, 2022
Very happy Customer

This company is highly efficient and professional. You never know when emergencies or surprise financial costs might pop up. Rating: A+++

KW

K. Williams

Jan 4, 2022
Very happy Customer

Been working with them for years now. They're supportive and really understanding

JM

Jessica Morgan

Jan 4, 2022
Very happy Customer

Quick & simple application online. Get your answer within minutes

L

Lonerwor

Nov 3, 2021
Satisfied Customer

It is quick and very easy to use.

It cover loans in every state.

K

Karlynhartline

Oct 20, 2021
Very happy Customer

Really great and understanding. Awesome customer service

D

Diana

Sep 7, 2021
Very happy Customer

Company helps others get loans

EG

Eren G

Sep 3, 2021
Very happy Customer

Was so fast!

There are none.

EW

Egypt Williams

Apr 14, 2021
Very happy Customer

Cool company......

All is good

RT

Rebecca Torres

Apr 10, 2021
Very happy Customer

Very easy to access all information. Great communication. A very positive experience.

SW

Sam Williamson

Mar 12, 2021
Very happy Customer
CN

Chris Norfleet

Nov 24, 2020
Satisfied Customer
P

Patricia

Sep 25, 2020
Very happy Customer

Very easy to access all information. Great communication. A very positive experience.

S

Sarah

Aug 22, 2020
Very happy Customer

They work with any credit

LR

Lisa Rodriguez

Jul 2, 2020
Dissatisfied Customer

it was deposited rather quickly!

tell right away by phone and email that a loan of only $1,500 for frist month is so much and the other is like $800.00 which makes the total cost extremely high.

MR

Mary Rutherford

May 31, 2020
Very happy Customer
NR

Nicole Ramirez

May 5, 2020
Mixed Experience

Rate could had been better

P

Peggy

Dec 3, 2019
Very happy Customer

Easy to do business with Listened to me Helped me where others couldn't

Felt like I was treated right, no complaints

MG

Mimi Gomez

Jan 11, 2019
Very happy Customer

Quick approval and delivery which did not effect my FICO score. No problems so far.

High interest, not competitive.

J

Jean

May 6, 2018
Very happy Customer

the best payday loan provider I could find. so far very happy with them

J

John

Jan 9, 2018
Very happy Customer

No issues at all.

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Blue Trust Loans Review 2026: 471-841% APR Tribal Lender