Tribal Lender Reviews
Fact-checked reviews of well-known tribal installment lenders, with figures dated so you can tell how fresh they are.
Key takeaways
- All three lenders are owned by federally recognized tribes.
- APRs range from about 200% to 700%; terms from 4 to 24 months.
- Smaller, shorter loans cost less — compare total of payments, not just APR.
Reviewed lenders
Plain Green Loans
$200–$4,500 · 199%–699% APR · 6–24 months
Owned by the Chippewa Cree Tribe of the Rocky Boy's Reservation. As soon as the same day.
Read the review →Spotloan
$300–$800 · Up to 490% APR · Up to 10 months
Owned by the BlueChip Financial. Same day or next business day.
Read the review →Big Picture Loans
$200–$3,500 · Triple-digit APR · 4–18 months
Owned by the Lac Vieux Desert Band of Lake Superior Chippewa Indians. Next business day.
Read the review →How to use these reviews
Use them to understand the range of what tribal lenders charge and to check any lender's claims against its peers. Then apply with the lender whose amount and term match your need — the cheapest loan is the smallest one you repay fastest. See our methodology for how figures are gathered.
Sources and further reading
- Consumer Financial Protection Bureau — payday and small-dollar lending
- Bureau of Indian Affairs — federally recognized tribes
- Native American Financial Services Association (NAFSA)
- Military Lending Act — 32 CFR Part 232
- Truth in Lending Act — Regulation Z
This page is informational and reflects lender terms as of November 5, 2026. It is not legal or financial advice. See our Lender & APR Disclosure.
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