The demand layer · 46 states + honest-count matrix
Tribal loans by state
Tribal lenders take applications nationwide under tribal law — so the honest state-by-state question is not “is it allowed?” but “which lenders will actually serve you here?”. Every state page below computes that answer from the lenders’ own published exclusion lists, and prices the state’s licensed alternative next to the tribal product.
The short answer: 46 state guides, 467 documented lender×state serving pairs, 26 indexed lenders. Five states (AR, NY, NH, VT, WV) are excluded network-wide — the lenders we route to do not serve them. Where a lender publishes no exclusion list, its availability is marked unknown, never assumed.
South
West
Northeast
Midwest
How to read the counts
A lender “serves” a state only when its own published exclusion list omits that state — a document you can check on the lender’s site. Lenders that publish no list stay unknown; pretending to know would make this a directory of guesses. The methodology page shows the exact rules, and the dataset page lets you download every row.
Checking tribal offers in your state
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.
Start my requestStates hub FAQ
Why do the state pages count lenders as “N+M?”
N is the number of lenders whose published exclusion lists allow your state — a document the lender itself publishes. M is the number that publish no list at all; their availability is genuinely unknown, and we refuse to guess. 467 serving pairs are documented across the 46 states.
Is a tribal loan legal in my state?
Tribal lenders operate under tribal law in all 46 states we cover. What differs by state is (a) what your state’s own licensed loans cost, (b) whether your state has taken enforcement action against tribal brands, and (c) which lenders will actually serve you. Each state page carries all three.
What does a state page contain that this hub doesn’t?
The state’s statute, fee math, and regulator; the serving-lender matrix; local enforcement history; complaint and dispute channels; and the cheaper alternatives available in that state, from credit-union PAY loans to utility plans.
Do you cover every state?
No — 46 of 51 jurisdictions. Five (AR, NY, NH, VT, WV) are excluded network-wide because the lenders we route to do not serve them; publishing state pages we cannot service would be a doorway, not an index.
Where our numbers come from
Availability counts on this page recompute automatically from the lenders’ published exclusion lists (index sweep September 2026). State statute figures come from the state data core. This hub is informational; it is not legal advice for any specific situation.