Lender record · active brand

Bison Green Lending review: cost, tribe, and state coverage

Bison Green Lending — underwritten by WLCC Lending BGL on the Pine Ridge Reservation of the Oglala Sioux Tribe — is one of the few brands in this index that prints a full worked example: a $200 loan repaid in ten biweekly installments over 148 days carries a $460.41 finance charge and a 673.23% APR, with typical pricing described as “about 700%.” Early payoff opens after the first payment with no penalty, and the exclusion list is published down to the territory level.

bisongreen.com/ · record verified 2026-11-09 · Index card updated 2026-09-07

The short answer: Bison Green Lending is a tribal installment lender owned by Oglala Sioux Tribe (SD). It serves most states outside a published exclusion list (11 states excluded; 35 documented as serving), and its cost disclosure is published — see the worked math below. The candor extends to underwriting: Clarity and Factor Trust checks are part of the process, and a credit pull is possible.

Amounts: The published worked example uses a $200 loan
Product: Installment loans with biweekly payments
States excluded: 11
Index score: 8.0/10

The disclosure score, itemized

Disclosure leader — terms checkable before you sign. The rubric and weights are public — read the methodology. What this record earns:

3/3 — Cost transparency. publishes a numeric APR range on its public site.
2/2 — State transparency. publishes its state exclusion list.
0/1 — Named regulator. no regulator named — disputes run through the agreement alone.
2/2 — Product clarity. publishes loan amounts and a repayment schedule.
1/2 — Standing. active, with litigation or regulator alert context on the record.

What Bison Green Lending offers

Installment loans with biweekly payments. The published worked example uses a $200 loan; no amount range is shown on public pages. Biweekly installments (example: 10 payments over 148 days); early payoff allowed after the first payment with no penalty; next-business-day funding if approved before 12 p.m. MT, with a 1:00 p.m. MST same-day cutoff.

The cost, with the math shown

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%"

Worked example at 673.23% APR: a $200 loan repaid biweekly over 5 months runs about $56.26 per payment — $618.81 total of payments, of which $418.81 is finance charge. Check that total, not the payment, against your budget.

Where it operates

Bison Green Lending publishes its excluded states: IL, CT, DC, MA, MN, NC, NJ, NY, SC, SD, VA, VT, WV, MD. That works out to roughly 35 states where applications are accepted. Availability claims on marketing sites notwithstanding, the exclusion list is the only binding statement.

Documented serving: AL, AK, AZ, CA, CO, DE, FL, GA, HI, ID, IN, IA, KS, KY, LA, ME, MI, MS, MO, MT, NE, NV, NM, ND, OH, OK, OR, PA, RI, TN, TX, UT, WA, WI, WY.

Disputes: None named — states it abides by "all regulations as established by the Oglala Sioux Tribe"; no dispute body published.

Who it fits — and who should keep looking

Fits: Applicants outside its 14 excluded states who want the cost stated up front — rare honesty, expensive numbers.

Think twice: The candor extends to underwriting: Clarity and Factor Trust checks are part of the process, and a credit pull is possible. Same corporate family as Enable Loans — read both records before choosing either.

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Bison Green Lending FAQ

How much does a Bison Green Lending loan cost?

Published pricing runs to 673.23% APR. In a worked example, $200 repaid biweekly over 5 months costs $618.81 — $418.81 in finance charge. Your agreement shows the exact schedule.

Is Bison Green Lending a direct lender?

Yes — it is a lending company owned by Oglala Sioux Tribe (SD), lending under tribal law with its own agreement and tribal-jurisdiction dispute terms.

Does Bison Green Lending check credit?

Like most tribal lenders it underwrites primarily on verifiable income and banking history rather than a FICO score; a hard pull at application is not part of the published process. The loan generally is not reported to the major credit bureaus either.

Can I pay off a Bison Green Lending loan early?

Early payoff terms are governed by the agreement; the tribal installment market norm is no prepayment penalty, but confirm the clause before signing.

Context: Underwritten by WLCC Lending BGL — the Wakpamni Lake Community Corporation family that also backs Enable Loans and carried the American Web Loan rent-a-tribe history (FTC/DOJ record). Guam and Puerto Rico are excluded as well. Unusual candor on underwriting: verifies applicants through Clarity and Factor Trust and may pull a credit report.

Where our numbers come from

Every fact above is transcribed from Bison Green Lending’s own website (record verified 2026-11-09; source sweep September 2026 / september 2026). The worked example is computed from published figures. This record is informational and is not affiliated with or endorsed by Bison Green Lending.