Page Icon

The Best Tribal Loans 2022: Compare Rates

Learn more about tribal loans from Native American lenders and how they work. With Financer.com you can:

  • Use our online loan comparison tool
  • Compare rates from multiple lenders
  • Apply for a tribal loan from Native American lenders
Page Icon

List of Tribal Lenders in November 2022

Chosen 4934 times

$100 - $2,000

Loan amount

1 Day - 1 Month

Term of loan

91.52% - 630.13%

Lowest rate

18

Minimum age

Trusted partner

Chosen 10148 times

$100 - $3,000

Loan amount

10 Days - 6 Months

Term of loan

471.78% - 841.45%

Lowest rate

18

Minimum age

Chosen 797 times

$300 - $5,000

Loan amount

6 Months - 3 Years

Term of loan

34.5% - 35.99%

Lowest rate

18

Minimum age

recommended

Trusted partner

Chosen 18728 times

$100 - $3,000

Loan amount

10 Days - 6 Months

Term of loan

471.78% - 841.45%

Lowest rate

18

Minimum age

Chosen 10206 times

$500 - $2,600

Loan amount

14 Days - 6 Months

Term of loan

170% - 349%

Lowest rate

18

Minimum age

Chosen 825 times

$400 - $2,500

Loan amount

1 Month - 6 Months

Term of loan

36% - 795%

Lowest rate

18

Minimum age

Chosen 702 times

$400 - $5,000

Loan amount

1 Month - 6 Months

Term of loan

5.99% - 35.99%

Lowest rate

Minimum age

Chosen 2066 times

$3,500 - $25,000

Loan amount

2 Years - 4 Years

Term of loan

15.49% - 34.99%

Lowest rate

18

Minimum age

Chosen 181 times

$1,500 - $20,000

Loan amount

2 Years - 5 Years

Term of loan

18% - 35.99%

Lowest rate

18

Minimum age

Important

Please note that loan amounts, interest rates and other loan terms may vary according to your state and credit profile.

How to Apply for Tribal Loans

Save on loan tribal loan rates by comparing with us first.
How to Apply for Tribal Loans
1
Choose your loan amount
Choose the amount you would like to borrow.
2
Compare loan offers
Filter the results based on your criteria and compare the best fair credit loan rates.
3
Choose an offer
Find the best fair tribal loan for your needs.
4
Complete the application
Click Get Started to fill in your loan application.

As seen in

entrepreneur-logo.svg
forbes-logo.svg
business-insider-logo.svg
globo-logo.svg
focus-logo.svg
dagens-industri-logo.svg

What are Tribal Lenders?

A tribal lender is a financial institution based on tribal land and operated by the Native American Community.

Because tribal lenders are based out of reservations, they have sovereign immunity to loan regulations governing the state they operate in.

The Native American Financial Services Association represents many tribal lenders. This legal body advocates for and enables tribal lenders to offer responsible tribal loans.

Both tribal and non-tribal borrowers can obtain Native American loans. Tribal lenders can offer loans to customers even in states where payday lending is prohibited. Their sovereign immunity also makes it impossible for a borrower to sue them.

The Benefits of Tribal Loans

Thousands of Americans use personal loans from tribal lenders to cover emergency expenses such as medical bills, utility bills, or mechanic fees.

Tribal loans offer a convenient way to gain quick access to cash. Here you will find a list of companies offering tribal installment loans.

The approval process is fast and the money can be deposited into your account within the next business day.

The entire process of obtaining Native American loans is discreet. You will need to fill out basic information online.

List of Tribal Lenders

Here's a list of tribal lenders that offer tribal loans online:
CompanyLoan RangeLoan TermAPRAccepts Bad Credit 
Ace Cash Express$100 - $2,0001 Day - 1 Month91.52% - 630.13%NoApply Now >
Amplify$100 - $5,0001 Month - 6 Months5.99 - 35.99NoApply Now >
Blue Trust Loans$100 - $3,00010 Days - 6 Months471.78% - 841.45%YesApply Now >
Jora$500 - $2,60014 Days - 6 Months170% - 349%YesApply Now >
LendingPoint$3,500 - $25,0002 Years - 4 Years15.49% - 34.99%YesApply Now >
Lendumo$400 - $2,5001 Month - 6 Months36% - 795%YesApply Now >
MaxLend$100 - $2,00010 Days - 6 Months471.78% - 841.45%YesApply Now >
OneMain Financial$1,500 - $20,0002 Years - 5 Years18% - 35.99%YesApply Now >
Uprova$300 - $5,0009 Months - 3 Years34.50% - 35.99%YesApply Now >

Tribal Loan Requirements

You don’t have to be part of a Native American tribe to take out a tribal loan.

Each of NAFSA’s tribal lending members establishes its own loan eligibility conditions. Most lenders will impose age and work restrictions (for example, requiring borrowers to be 18 or older).

They will also often demand the borrower to provide proof of having a bank account.

Typical NAFSA borrowers are middle-income Americans, unable to get a loan from a traditional lender and prefers not to use payday loans.

To get a loan from a NAFSA lender, borrowers must:

  • Confirm their current employment status.
  • Have a verified bank account.
  • Earn more than $40,000 each year on average.
  • Their typical period of indebtedness is less than two months.

Why Compare Tribal Loans with Financer.com

Here are some of the benefits of comparing loans from tribal lenders with us
Free Comparison
Free Comparison
Instant Results
Instant Results
Genuine Reviews
Genuine Reviews
Best Loan Rates
Best Loan Rates
Compare Loans >

Tips for Taking Our Native American Loans

The ability to self-regulate has led to a lot of controversy surrounding tribal loan lenders. Many are worried because they might not get any legal assistance in case of an institution’s malpractice.

Yet, caution is needed even when applying for other types of loans.

Thus, as long as you understand how tribal loan lenders function, there is no need for undue worry. For instance, the possibility of extra fees associated with tribal loans makes it important to have a solid plan to repay back your debt.

It’s critical to read all the fine print in order to fully understand exactly how much you will need to pay in terms of interest and fees for a tribal loan.

Are Tribal Loans Safe?

Considering the fact that tribal lenders are not obliged to follow any state statutes, it is normal to be concerned about whether tribal loans are safe or not.

There generally is nothing to worry about regarding the safety of tribal loans. One major concern is that tribal loans often carry high APRs.

Sometimes tribal lenders may partner with a third party non-tribal lender to provide tribal installment loans. The former will operate as the official owner and thus collects a percentage of the APR.

Both of these lenders will be immune to the state’s laws. This is referred to as “rent-a-tribe.”

What Customers Say About Us

4.63 based on 293 reviews

from Reviews.io

Find Your Tribal Loan at Financer.com

Financer.com helps you compare the best tribal  loans and get the lowest loan rates from Native American lenders.

We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers.

We are always improving our comparisons, and you can use our free loan comparison tool to find the right personal loan for your needs.

Tribal Loans - FAQs

What is NAFSAA?

Native American Financial Services Association (NAFSA), founded in 2012, represents about a dozen tribes involved in online small-dollar installment loans.

Are tribal loans safe?

Tribal and federal regulations on payday loans are not always as strong in all U.S. states, making tribal payday loans typically more dangerous for borrowers.

Can I get a tribal loan with bad credit?

Yes, borrowers with bad credit (usually a credit score of less than 579) are often eligible for a tribal loan, depending on the requirements of each specific lender.

What are tribal payday loans?

Tribal payday loans are short-term loans offered by a Native American tribe.

What are guaranteed tribal loans?

Guaranteed tribal loans refer to tribal loans with guaranteed approval. They can be expensive and typically come with higher APRs.

Cash-Out Refinance vs HELOC

Getting access to your home's equity could be a cost-effective method to achieve your dreams, whether you need money to pay off debt, fund a

See more posts
See more guides

Debt Consolidation: Does It Hurt Your Credit?

Debt consolidation is a popular way to manage debt, but does it actually help or hurt your credit score? Debt consolidation can have both positive and ...

See more wikis

Was this article helpful?

1 out of 4 found this helpful

How can we improve this article?