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

Written by Lorien Strydom

- Dec 5, 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

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

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How Blue Trust Loans compares - Financer Score™

Financer score™ 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 Score™67

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

86

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.

Review this companyRead reviews (31)

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.

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