The verified list · sweep of November 2026 · open rubric
Tribal lenders — every record, dated and scored
Every brand below is a lending company owned by a federally recognized tribe, working fully online — there is no storefront to visit. Facts are transcribed from each lender’s own website — tribe, amounts, published costs, and the states they refuse to serve — and every record carries the date that transcription was last checked.
The short answer: 26 lenders indexed, 23 active, average disclosure score 6.7/10. 15 of 23 active brands publish their state exclusion lists — the rest are marked unknown, not assumed to serve. Highest disclosure: Spotloan (10.0), Mobiloans (10.0), Northern Star Lending (9.0). Full table below, sortable by honesty rather than ad budget.
The index, ranked by disclosure
Rows are ordered by the open Index Score — the more checkable a lender’s terms are before you sign, the higher it sits. The rubric (inputs, weights, and what it deliberately does not measure) lives on the methodology page, and the entire table downloads as CSV from the dataset page.
| Lender | Tribe (state) | Typical amounts | Published cost | Index score |
|---|---|---|---|---|
| Spotloan verified 2026-09-14 | Turtle Mountain Band of Chippewa Indians (ND) — brand of Ningo Lending LLC | $300–$800 typical; up to $1,500 for preferred (10+ loan) customers | Maximum 490% APR for new borrowers; rate steps down (330–460%, eventually 99%) with successive on-time payoffs; no origination, rollover or late fees | 10.0 |
| Mobiloans verified 2026-10-02 | Tunica-Biloxi Tribe of Louisiana — MobiLoans, LLC | Up to $3,000 credit line | APR 73.89%–413.20% (with $20 instant-funding fee); cash-advance fee plus fixed finance charges per draw; no fees if repaid by the due date | 10.0 |
| Northern Star Lending verified 2026-10-08 | Menominee Indian Tribe of Wisconsin | $200–$1,500 first loan; up to $5,000 returning | APR 630%–780% — one of the few tribal lenders that publishes its range; $25 NSF and $25 late fees | 9.0 |
| Enable Loans verified 2026-10-24 | Oglala Sioux Tribe of the Pine Ridge Reservation (SD) — Wakpamni Lake Community Corporation subsidiary | New customers to $700; returning customers to $2,000 (rate table $500–$2,000) | Publishes a worked example: 897.48% APR over three months on a $1,000 advance — $715.32 finance charge, total of payments $1,215.32; $35 late (7+ days), $30 NSF | 9.0 |
| 605 Lending verified 2026-11-05 | Flandreau Santee Sioux Tribe (SD) — FSST Management Services, LLC | Up to $1,000 | "Rates are figured on a weekly basis @ 15%" — about 780% APR annualized; no prepayment penalty | 8.0 |
| River Valley Loans verified 2026-10-15 | Crow Creek Sioux Tribe (SD) — Wahido Lending / Dakota Economic Development Corp. | $200–$3,000 | APR set by amount and term in the loan agreement; $20 late fee, $30 NSF fee; no prepayment penalty | 8.0 |
| Little Lake Lending verified 2026-10-22 | Big Valley Band of Pomo Indians of the Big Valley Rancheria (CA) — Layma, LLC dba Little Lake Lending | First-time clients to $2,000; repeat clients to $2,500 | No numeric APR published — "finance charges and APR will be fully disclosed to you in your loan agreement upon approval"; no prepayment penalty | 8.0 |
| Post Lake Lending verified 2026-10-27 | Mole Lake Band of Lake Superior Chippewa (WI) — operating LLC not published | Minimum $200; first-time borrowers to $1,500; returning customers to $5,000 | No numeric APR published — finance charge disclosed in dollars and APR in the loan agreement (TILA box before funding); late/NSF fees per agreement | 8.0 |
| Green Arrow Loans verified 2026-10-30 | Big Valley Band of Pomo Indians (CA) — Green Arrow Solutions dba Green Arrow Loans | Minimum $200; first-time borrowers capped at $300; other borrowers to $1,500 | Publishes a worked example: $300 at 825.00% APR — $615.12 finance charge, total of payments $915.12; "specific rates and terms vary based on loan amount and loan duration" | 8.0 |
| Bison Green Lending verified 2026-11-09 | Oglala Sioux Tribe (SD) — WLCC Lending BGL d/b/a Bison Green Lending, Pine Ridge Reservation | The published worked example uses a $200 loan; no amount range is shown on public pages | Publishes a worked example: $200 loan, 10 biweekly installments of $66.06 over 148 days — $460.41 finance charge, 673.23% APR; typical pricing described as "about 700%" | 8.0 |
| Big Picture Loans verified 2026-09-18 | Lac Vieux Desert Band of Lake Superior Chippewa Indians (MI) | $200–$3,000 (marketing cites up to $5,000) | APR range 250%–699% for new customers; example: $2,000 loan costs $5,733 total over 26 biweekly payments | 7.0 |
| MaxLend verified 2026-09-25 | Mandan, Hidatsa & Arikara Nation — Three Affiliated Tribes (ND); Uetsa Tsakits, Inc. | Up to $2,000 new; up to $3,750 at top rewards tier | Fee per $100 borrowed per pay period — up to $29.50 biweekly for new customers; APR disclosed only in the loan agreement | 7.0 |
| Plain Green Loans verified 2026-09-29 | Chippewa Cree Tribe of the Rocky Boy's Reservation (MT) | $200–$1,000 first loan; up to $4,500 for returning customers | No APR range on the current site — full disclosures in the loan agreement ("an expensive form of credit"); archived schedule showed roughly 159%–374% APR | 7.0 |
| Blue Mountain Loans verified 2026-10-13 | Kashia Band of Pomo Indians of Stewarts Point Rancheria (CA) — brand of Loan Spot | $100–$1,200 (first loan cap $1,200) | No numeric APR published; "a very expensive form of borrowing"; disclosures in the loan agreement | 7.0 |
| Uprova verified 2026-10-20 | Habematolel Pomo of Upper Lake (CA) — Uprova Credit, LLC | $300–$5,000; no separate returning-customer maximum published | The sector outlier — publishes a best-rate tier: 34.5% APR "for highly qualified customers who opt for loans of $500.00 or more" over 36 months; others get "a shorter term loan at a higher APR"; full APR and fees in the loan agreement | 7.0 |
| Lendumo verified 2026-11-06 | Lac du Flambeau Band of Lake Superior Chippewa Indians (WI) — Niswi, LLC dba Lendumo | Up to $2,500; no minimum published | No numeric APR published anywhere — "complete disclosure of APR, fees and payment terms are provided within the Loan Agreement"; $30 late (3+ days) and $30 NSF fees; self-described "an expensive form of borrowing" | 7.0 |
| Bright Lending verified 2026-09-22 | Fort Belknap Indian Community (MT) — Aaniiih Nakoda Finance LLC | $300–$1,200 new; up to $3,000 for VIP returning customers | No numeric APR published; "an expensive form of borrowing"; ~25 percentage points off APR for ACH repayment | 6.0 |
| Makwa Finance verified 2026-11-04 | Lac du Flambeau Band of Lake Superior Chippewa Indians (WI) — Makwa, LLC | Up to $2,000 first-time; up to $2,500 repeat | No APR published — disclosures in the loan agreement; no early-payoff penalty | 6.0 |
| Birch Lending verified 2026-11-09 | Native Village of Minto, Alaska — Tolovana Financial, LLC d/b/a Birch Lending (the site names the operator; the tribe is identified through court and press records) | Not published on public pages — amounts are set after underwriting | No numeric APR published — described as "an expensive form of borrowing"; the only printed figures are a $20 late fee (5+ days late) and a $30 NSF fee | 6.0 |
| Three Sticks Lending verified 2026-11-09 | Rosebud Sioux Tribe (SD) — AFS CS d/b/a Three Sticks Lending | Up to $3,000; no minimum published | No numeric APR published on public pages — fees are disclosed before signing and priced in the loan agreement | 3.0 |
| Minto Money verified 2026-11-09 | Native Village of Minto, Alaska (the tribe is not named on the site's public pages) | Not published on public pages | No numeric APR published on public pages — the site promises total repayment shown before signing; disclosures sit in the loan agreement | 2.0 |
| Sky Trail Cash verified 2026-11-09 | Lac du Flambeau Band of Lake Superior Chippewa Indians (WI) — LDF Holdings, Inc. | Not published on publicly reachable pages — figures appear inside the application flow | No numeric APR published on publicly reachable pages — pricing is disclosed in the loan agreement before e-signing | 1.0 |
| WithU Loans verified 2026-11-09 | Otoe-Missouria Tribe of Oklahoma — W6LS, Inc. | Not published on publicly reachable pages | No numeric APR published on publicly reachable pages — disclosures sit in the loan agreement | 1.0 |
Not currently funding
- Golden Valley Lending — Habematolel Pomo of Upper Lake (CA). Site states it is no longer funding new loans; the tribe’s sister brands share the CFPB 2017 enforcement history.
- Bright Star Cash — Lac du Flambeau Band of Lake Superior Chippewa Indians (WI) — Niizh LLC, within the Hummingbird Funds family. The brand's own domain redirected to a commercial domain marketplace at the November 2026 check (site unreachable at verification), so funding is marked paused rather than assumed. Bright Star was covered by the Fitzgerald v. Wildcat settlement (W.D. Va. 2024) alongside the other Lac du Flambeau-associated lenders. Any current offer claiming this brand's name should be treated as unverified; record rests on Wayback archived copies.
- American Web Loan — Otoe-Missouria Tribe of Oklahoma — American Web Loan lending entities. Paused after the $182 million Solomon v. American Web Loan settlement (E.D. Va. 2019), which resolved claims that the operation collected loan balances not authorized under tribal and federal law. Site unreachable at verification by automated capture (HTTP 403); the record rests on the settlement record and Wayback archived copies.
Find lenders by state
Availability differs by brand, and “no list published” is not the same as “serves your state.” Each state guide computes the serving set from published exclusion lists only:
- Alabama
- Alaska
- Arizona
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- All 46 states →
Read the records behind the numbers
Scores and stamps are the summary; the research desk is the story. The enforcement timeline tracks every major court and regulator action against this market, the APR monitor re-checks what indexed lenders actually charge, and the tribal lending primer explains the legal machinery in plain language.
Apply online with a verified tribal lender
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.
Apply online →The verified list, FAQ
What does the Index Score mean?
An open 0–10 rubric measuring how checkable a lender’s terms are before you sign: published APR range (0–3), published exclusion list (0–2), named regulator (0–1), published amounts and schedule (0–2), and standing including litigation context (0–2). Every input and weight is public on our methodology page. It measures disclosure, not product quality.
What does the “verified” stamp on a record mean?
On the stamped date we pulled the lender’s own site (or its archived copy) and re-transcribed the tribe, amounts, costs, and exclusion list shown here. When terms change, the record is re-pulled and re-stamped — so a row without a recent stamp is one we haven’t re-checked yet, and we say so.
Can I apply with a tribal lender online?
Yes — that is the only way to apply with every brand in this list. The request form, the underwriting review, the e-signature, and the ACH deposit all happen remotely; there is no office or storefront at any of these lenders.
Why do some records publish no APR?
Because the lender doesn’t publish one — cost appears only inside the loan agreement. Those records score low on cost transparency, and we mark them “opaque” rather than inventing a range. The worked examples on each review use a labeled illustrative rate instead.
Is this list complete?
No registry of this market is. We index 26 brands we could verify against primary sources — the brand’s own site, its tribal regulator, or court records — and we add brands as verification completes. Closed and wound-down lenders keep their records with a status stamp instead of disappearing.
Where our numbers come from
All facts on this page are transcribed from the lenders’ own websites and archived copies. Core catalog verified September 2026; site additions september 2026, index additions november 2026. Per-record stamps show each row’s own last check. Inclusion is not an endorsement — several tribal lending models are under active litigation and state-regulator dispute. Verify terms with the lender before acting.