Get A Direct Tribal Loan Now

Are you trying to get an unsecured loan but keep getting turned down from payday lenders? Here at Payday Lenders Now we want to give you as many lending opportunities as possible to get same day cash loans. Take some time and compare the top direct tribal lenders in our list of tribal loan companies. Don't waste time searching for a company near you! Instead use our directory of tribal lenders and get cash today!

Plain Green Loans

Plain Green is a large sovereign lenders that offers tribal installment loans of $1,000 with larger amounts for returning customers. They claim over 1 million customers over the past decade.

American Web Loan

AWL is a direct tribal that offers same day loans up to $2,500. They promise no collateral is required and you can apply online, over the phone or on their mobile app and get funds in 24 hrs.


Spotloan is a direct lender that offers an alternative to payday loans. Payment terms average ten months, and you can borrow up to $1,000. They offer online tribal loans in 43 states.

Bright Lending

Bright Lending is a tribal lender that offers loans in 42 states. Loan amounts average $600 and you need an active checking account and proof of employment to qualify for 24 hour cash.


MobiLoans is a tribal lending entity that offers direct lines of credit instead of payday loans. Funding maxes out at $2,500, and they claim no hidden fees or early payment penalties.


Uprova is one of the oldest tribal loan companies and they fund installment loans in 30 mins. They report payment history to the credit bureaus, which may increase your FICO score.

River Valley Loans

River Valley offers loan amounts higher than other tribal lenders, with funding levels near $3,000. They work in 42 states, and you can cancel the loan one day after you receive the cash without penalty.

Zoca Loans

Zoca is a nationwide company that offers tribal personal loans with pre-approval in 15 minutes and next-day funding. You don't need good credit & loan amounts go from $200 to $2,500.


Ascend offers online tribal loans with funding up to $1,000. They look beyond your credit report & FICO score and have no issue offering a loan to someone with no credit history.

Little Lake Lending

Little Lake is a tribal lending company offering loans of $500 to $2,500 and higher amounts for repeat customers. They promise no pre-payment penalties and same day funding in 43 states.

Bison Green

Bison Green is a direct lender that allows you to apply online and get your cash within 24 hours. As of 2024, they offer funding in 41 states for bad credit installment loans of $300 to $750.

Big Picture Loans

Big Picture has been offering tribal payday loans for years, and now they provide direct installment loans of over $1,000. They claim to have helped nearly half a million applicants get a loan.

How Does A Tribal Loan Work And What Do I Need To Qualify

Tribal loans are offered by companies that are part of or affiliated with Native American tribes. As such, they are often not subject to regulations that limit the interest rates and fees a lender can charge. While a tribal loan can be a lifesaver for someone who needs emergency cash, these unsecured loans have high interest rates and can be difficult to repay if you only pay the minimum payments.

You will need decent credit with a monthly income of at least $1,2000 to qualify for a tribal loan. Some lenders may also require proof of employment and income verification through pay stubs or tax returns. Additionally, you may have to demonstrate that you can repay the amount borrowed without any issues. This could mean providing bank statements showing regular deposits into your account or setting up direct withdrawals from your checking account each month.

If you think a tribal loan is right for you, ask about their eligibility requirements to determine if you will likely qualify.

Are Tribal Loans Different From Payday Loans And Personal Loans

Tribal loans are similar to payday and personal loans in that you can get approved quickly, with little emphasis on your credit history. Also, these types of loans are seldom offered by banks and credit unions, and most companies provide completely online applications. However, some critical differences between these types of loans will impact the terms and conditions of your loan agreement and the fees you may have to pay.

One difference between tribal installment loans and other types of personal financing is that many tribes only offer unsecured lending options. No collateral is required to obtain access to the funds you need. For example, payday lenders typically require you to provide a post-dated check to secure the loan amount borrowed against any outstanding fees or penalties. In contrast, tribal lenders do not require you to provide collateral for your loan.

Another difference between tribal loans and other unsecured personal loans is that these loans have a set number of months to repay the borrowed amount. For example, if you borrow $500 and have six months to pay it back, you will make six equal monthly payments totaling $500 until the balance has been repaid. Other native lenders offer longer terms, such as 48-month installment loans without renewals.

When deciding whether a tribal loan is your best option, we recommend starting with the Payday Lenders Now list of direct tribal lenders. In this directory, we've reviewed and documented many of the largest companies offering loans on a Native American Indian Reservation. Compare each company's APR, loan amounts, and repayment terms, and review the repayment terms before you pick up the cash!

Don't want a tribal loan? View our list of direct payday lenders!

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