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Tribal lending, explained
Short, practical pieces on the questions the search logs fill with: lists of lenders, what
happens when you can’t pay, which “no credit check” claims are true, and how to tell a real
tribal lender from a lookalike. Every piece is dated, sourced, and honest about trade-offs.
Turn a fee per $100 into an APR, then amortize a $500 loan at 490% over five months, payment by payment. The math every tribal loan agreement runs on.
Worked math · Josephine Adler ·
2026-11-08
Two notices — one to the lender, one to your bank — cut off the ACH tap. The order of operations, your Regulation E rights, and what the debt still owes.
How-to · Josephine Adler ·
2026-11-04
One is a capped two-week balloon, the other an uncapped installment. Price math in licensed and banned states, legal differences, when tribal wins.
Comparison · Josephine Adler ·
2026-10-30
Fake tribal lenders borrow real tribes' names, charge fees before funding, and vanish with your details. Seven checks to run before you apply anywhere.
Checklist · Josephine Adler ·
2026-10-24
Fitzgerald v. Wildcat erased about $1.4 billion in tribal loan balances; HPUL and Think Finance added more. The cases, the mechanics, the scam warning.
Case file · Josephine Adler ·
2026-10-18
Most tribal lenders never report to Equifax, Experian or TransUnion — payments earn nothing and defaults miss the bureaus too. What does get reported?
Explainer · Josephine Adler ·
2026-10-14
A tribal loan is an enforceable civil debt: where lenders and buyers file, what arbitration changes, when garnishment follows, and the MLA floor.
Guide · Josephine Adler ·
2026-10-09
Teletrack is one of several subprime databases a tribal lender may query. What the phrase promises, which lookups still happen, why it is not no checks.
Explainer · Josephine Adler ·
2026-10-05
Underwriting runs on income, banking and identity — not your score. What tribal lenders actually check, what no hard pull means, how repeat tiers price.
Explainer · Josephine Adler ·
2026-09-30
A working list of tribal lenders verified against primary sources — named tribe, regulator, exclusions — with verified, unknown and closed statuses.
Guide · Josephine Adler ·
2026-09-22
Done reading, ready to check offers? One short request routes you to lenders serving your state. Checking offers is free, never affects a credit score, and every fee is disclosed in writing before you sign.
Get cash now Where our numbers come from
Blog pieces are informational and are not financial, legal, or tax advice. Lender terms change often — the index record for each brand carries its own verification date.
Tribal Lenders Index
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lender. Every record in the index is transcribed from the lender’s
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APR Disclosure. Some states have laws limiting the Annual
Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans
range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and
APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a
state that has no limiting laws or loans from a bank not governed by state laws may
have an even higher APR. The APR is the rate at which your loan accrues interest and
is based upon the amount, cost, and term of your loan, repayment amounts, and timing
of payments. Lenders are legally required to show you the APR and other terms of your
loan before you execute a loan agreement. APR rates are subject to change.
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loan broker, or agent for any lender or loan broker. We are an advertising referral
service to qualified participating lenders that may be able to provide amounts
between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans,
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