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Tribal Loans

Are you based on tribal lands and looking for tribal loans? But, what exactly are tribal loans, and how can you avail them?

What Are Tribal Loans?

Tribal loans are offered by Native American creditors who claim that they operate under tribal sovereignty. Tribal sovereignty means that they are not controlled by the state or federal government. Due to this reason, some lenders offer tribal loans with higher interest rates and fees.

Are Tribal Loans the Same As Payday Loans?

Some lenders refer to tribal loans as tribal payday loans. However, tribal loans share more features than installment loans. Their interest rate can be as high as payday loans, but they offer installment repayment plans.

What Are the Requirements to Avail Tribal Loans?

Requirements vary from lender to lender. So, before filing your application, you should research the tribal lender you plan to borrow from. To qualify for tribal loans, you must:

  • Be 18 years old and above
  • Provide government-issued identification card
  • Have proof of source of income
  • Have an active checking or savings account

Aside from the requirements listed above, other lenders might have additional requirements.

What Are the Benefits of Tribal Loans?

Below are the benefits of tribal loans:

Quick Funding

Similar to payday loans, tribal loans offer quick funding. Borrowers can also get their loan within the same day or the next day.

Convenient Application

Since you can apply for tribal loans online, you will not need to queue on long lines upon application for your loan. Just prepare the required documents such as bank account information, identification cards, paychecks, etc.

Good Choice for People with Bad Credit History

Like payday loans, tribal lenders don’t conduct credit checks. This means that people with a low credit score or bad credit history can avail this kind of loan.

Installment Repayment Option

Unlike traditional payday loans that require borrowers to pay a lump sum on their next payday, tribal loans accept installment options. Tribal loans allow installment repayment between six to twenty-four months.

Are Tribal Loans Safe?

Registered tribal lenders are usually safe. It would help to look for lenders accredited under the Native American Financial Association (NAFSA) to be at ease. Lenders under the NAFSA are governed by consumer protection loans making it safer for borrowers.

When you file for tribal loans, it’s vital to know the following information:

  • Repayment plan
  • Amount of monthly payment
  • Available payment methods
  • Proper channels for complaints and disputes

Knowing the above information will help you choose which lender to file your loan with.

What Should You Take Note Before Availing Tribal Loans?

To ensure that you’re applying for safe and reliable lenders, you should check the following:

Ensure That the Lender Has a Legal Secure Sockets Layer (SSL)

If the lender has a legal SSL certificate, the information you provided will be safeguarded and won’t be taken by hackers.

Read the Loan Terms Carefully

To help you choose reliable lenders, check the reviews carefully. It would be best to verify the accuracy of the data provided.

Check the Lender’s Review From Other Sites

Due to digitalization, there are already various review sites for lenders. Take advantage of them.


Just like other loans, tribal loans have their pros and cons. Carefully weigh these before applying, and make sure to pay your loan on time.