Tribal Loans For Bad Credit

Short of funds and need money fast? Get easy approval for Tribal Loans even if your credit is low.

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  • Any Credit Score Considered
  • Swift Approval Decision
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What Are Tribal Loans?

Tribal Loans are loans offered by lenders operating from tribal lands or Indian reservations. Since the government recognizes these lands as sovereign, tribal lenders claim not to be under the jurisdiction of state or federal regulations and operate solely on local laws.

As a result, these regulations are often weaker, offering less favorable terms for borrowers and even less protection. Tribal lenders charge higher interest rates and fees than regular payday loans since they don't have to abide by the rate caps set by the state. Tribal lenders primarily provide payday loans and installment loans for borrowers who may be facing an emergency.

Are There Any Requirements For Getting Tribal Loans?

Yes. Just like any other form of lending, tribal loans have requirements that prospective borrowers must provide. These will vary depending on the tribal lender, so you have to carry out your research. But basically, you must be above 18 years of age and be a US resident. Note that you don’t have to be a member of a tribe to qualify for a tribal loan. Some other requirements include:

  • An active Checking or Saving Bank Account
  • A government-issued ID
  • Proof of income (payslip or account statement)
  • Proof of Employment

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What Can I Get From Tribal Loans?

Tribal loans offer similar advantages to regular payday and installment loans - easy and quick emergency loan approval even for borrowers with poor credit.

Here are the key benefits:

Bad credit friendly

Tribal lenders offer no hard credit check loans, meaning they do not consider borrowers' credit history as the most critical factor when making approval decisions. In most cases, tribal loan lenders can give you a payday loan regardless of bad credit if you can prove your repayment ability.

Instant funding

Just like many online lenders, tribal loan dealers will likely offer instant process services so that you can get approved and your account funded the same day or the next working day.

Online access

Most tribal loan lenders operate their business both online and offline. Rather than visiting a physical store, you can submit your details online at your convenience from any internet-enabled device.

Flexible repayment plan

Unlike regular payday loans, which require paying back the entire loan amount and interest with your next paycheck, tribal lenders offer their loans in installments. That is, it puts less stress on your wallet, and you can repay your loans in up to 24 months.

How Should I Choose Between A Direct Lender Or A Loan Broker?

A direct lender is a financial institution or company that releases loans and funds directly to borrowers without any intermediaries. Banks and credit unions are typical direct lenders, as they operate with all the financial processing and profile assessment. Direct lenders will assess a borrower’s related information and perform credit checks to help determine the creditworthiness of the applicant.

Unlike a direct lender, a loan broker doesn't give loans to consumers directly or perform any profile assessments. Instead, they connect borrowers with a bunch of direct lenders, saving them time and effort in looking for the right lender.

Some brokers may charge you for finding and acting as a liaison between you and a direct lender. Others will offer their services for free but collect a commission from the direct lender.

Using a loan broker helps you find lenders faster. Even better, they'll provide you with multiple lenders so you can compare their offers and choose the one most suited to your purpose. US Installment Loans is an online loan broker platform that helps connect you to direct lenders who can give you loans with reasonable terms and minimal hassles.

How Does US Installment Loans Compare?

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How much do I qualify for?Up to $35000Competitive rates
What's the max loan length?Up to 36 monthsFast decisions
Do lenders check my credit?YesSoft credit checks
All credit levels accepted?YesBad credit doesn't matter
Chances of approvalGoodHigh approval rates
When am I allowed to apply?24/7 onlineEasy application
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Where Can I Get Tribal Loans Online?

You can get tribal loans online easily nowadays as more and more traditional tribal lenders have started to spread their businesses using online portals.

With years of loan service experience, Maxlend, a market-leading tribal lender and one of our partners at US Installment Loans, provides an alternative installment loan that is easier for consumers. Maxlend offers up to $3,000 in installments loans with an easy approval process, and you can receive funds the same day too.

While we don't directly offer tribal loans, at US Installment Loans, we work with lenders that provide a variety of loans to cater to different consumer needs.

To access a suitable loan from our partner lender, follow the simple steps below:

  1. Submit your details online. Submit your details on our secured online form easily using any internet-enabled device. We will send your information to our lender network soon after you submit your request.
  2. Receive and select an offer. Lenders will perform an assessment and provide you with a result. They will also send you various offers with different loan plans if you are approved. Compare those offers from our partner lenders and select the best offer that suits your need.
  3. Review and sign the loan agreements. After accepting an offer, you'll review the loan agreement and sign it online.
  4. Get paid. After agreeing to the loan offer, the lender will send the funds to your provided bank account a few hours later.

How Much Do You Want?


My Credit History Is Terrible. Can I Still Get Tribal Loans?

Yes, it is still possible to get loans online even with bad credit. You can get a tribal payday or installment loan regardless of your credit score as lenders may pull soft credit checks to ascertain your financial status, tribal lenders typically don't pull a hard credit check on you through the three main bureaus, and they don't also run a Teletrack. They focus on your current financial situation and income to evaluate your suitability for a loan.

What Should I Consider Before Getting Online Tribal Loans?

Tribal payday and installments loans should only be taken as a last resort as they usually charge high interest and outrageous fees, which could trap you in a vicious cycle of spiraling debt. Some of the loans will have a short repayment period, which will surely put more pressure on your repayments. Late payment or defaulting on your loans will eventually result in worsened credit scores, and you may have to deal with collection agencies. So, as a result, remember that getting a loan from a financial institution will always be your plan B.


Is it possible to escape the credit checks when getting a tribal loan?

Technically speaking, it is possible to avoid hard credit checks, but lenders will still perform soft checks due to financial regulations. Tribal lenders will often overlook credit checks since the loans are for people already in financial distress. Therefore, most tribal lenders do not evaluate your eligibility for a loan based on your credit history. They are more interested in your income, which proves your ability to make loan payments when due.

How much can I borrow through US Installment Loans?

US Installment Loan links you up with a large pool of reputable lenders. The actual amount you may borrow varies depending on the partner lender you choose to work with, your income, loan term, and other factors. Typically most lenders can accept loan requests up to $5,000 for personal loans, payday loans, and installment loans. If you need a higher amount for up to $35,000, you will need to provide additional documents to verify your repayment ability.

What are the risks of getting online tribal loans?

Since they’re not subject to state or federal lending regulations, tribal loans come with little or no consumer protection. Getting any legal redress for unfair practices may be challenging if you take out a loan from tribal lenders. Again, the cost of borrowing from tribal lenders is very high, sometimes up to an APR of 800%.

How fast can I get my money when getting loans through US Installment Loans?

Once you submit your details online, our partner lenders come up quickly with offers based on your data. You'll review and compare the offers and then choose from among them. After reviewing and signing the loan agreement, you can expect to get funds in as little as the same day. However, you should always expect delays during the process, but usually, it will take a maximum of 3 business days for the money to arrive.

Are there any alternatives other than tribal loans?

Other alternatives are available if you are not interested in getting a tribal loan. Here are some options to consider:

  1. Online payday loans. Although they are still expensive, regular payday loans typically cost less than tribal loans in terms of lower APR rates and upfront fees.
  2. Friends and family. Because they are less likely to ask for interest, taking a loan from friends or family members is a great way to bridge your financial gaps.
  3. Secured loans. Secured loans such as title loans are often cheaper than tribal loans. However, you must use a fully paid-off vehicle title as collateral.
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Submit Your Information Now, And We’ll Help You Find A Suitable Loan.

Get up to a $3,000 Tribal payday/installment loan through our partner lenders, even if your credit is abysmal.

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