Tribal Loans – Alternative to Payday Loans

Tribal Loans – Alternative to Payday Loans
  • LOANS UP TO $ 5000
Last Updated 19.07.2024
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In the United States, payday loans are big business as they help people bridge budgeting gaps between paychecks. If you’re looking for cash to settle emergency bills, a payday loan offers you quick approval. Besides the conventional payday loans accessible to everyone, you can find tribal payday loans designed to target different native reservations in the country. Most of these lenders are linked with the Native American Financial Services Association, which are marketed as good alternatives to payday loans.

You need to identify the differences and benefits in choosing between traditional payday loans and tribal payday loans. While this kind of borrowing is not allowed in some states, it has grown in popularity, especially among people with bad credit. It’s a fast way to get money if you need cash for an emergency medical bill or when your credit is poor and cannot be approved for a loan by traditional lenders.

Tribal lenders are typically institutions serving a tribal jurisdiction and facilitated by the Native American community. Here are things you can learn about fast payday loans offered by tribal lending institutions.

What is a Tribal Loan?

Online tribal loans are loans offered by lenders that operate under the Indian or Native American tribes. The lending institutions serve within their tribe’s reservation, so the loans are often advertised as an alternative to payday lending for those in need of emergency cash. Before you borrow online tribal payday loans, you need to understand the lenders operate on a tribal location and execute operations following tribal laws because federal laws do not bind them. While these lenders are required to follow state laws and regulations on financial services, they are not controlled by specific federal laws.

Payday Loans vs. Tribal Loans

Some people confuse tribal loans with payday loans as it sounds like the same idea. However, there are differences you might want to note before choosing either. Tribal loans operate much like installment loans and share more features with installment loans than payday loans. The similarity with payday loans comes in the high APR, but borrowers get more flexible repayment terms, which makes these loans more secure for borrowers.

Structurally, online tribal payday loans work like conventional loans, where you pay a small amount of the money you borrowed plus interest after a specific period. This allows you the flexibility to clear the debt, and it makes it easy to budget on repayments. You’re not compelled to pay a lump sum, as would be the case when you borrow from a conventional payday lender.

Normally, guaranteed tribal loans offer amounts ranging from $500 loan to $2000 loan with a compensation duration of 6 to 24 months. As opposed to payday loans, the amount you borrow does not increase with rollover fees or unexpected charges.

Another difference is that payday loans are not designed to help you beat a financial crisis, as there’s a chance you could get into a cycle of debt. On the other hand, tribal online installment loans are designed to help you repay only the money you borrowed. This makes tribal loans a secure option than payday credits.

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How Tribal Payday Loans Work

You don’t need to be in a tribal nation to apply for tribal installment loans. Most lenders will accept applications online, whether one is a member of a tribe or not. Some lenders offer fast funding with the potential to deposit the cash into your account on the same day.

Typically, tribal lenders offer short-term loans instead of loans requiring full repayment when you get your next paycheck, like payday loans. The loan comes with a longer repayment period, but this is usually less than a year.

However, the interest on tribal loans can be high, making the loans more expensive than payday loans in some situations. According to eh CFPB, interest on payday loans could average $15 for a $100 loan, translating to about 400% APR for a two-week loan. Comparing this with a tribal loan, you could be getting higher interest charges. The APR could go as high as 800%, so an $800 loan with a 10-months term would end up costing you $3,320. So, it’s important you consider all these differences to know which product best suits your needs.

Pros and Cons of Tribal Payday Loans


  • Fast funding – Borrowing from conventional creditors could take several days or weeks to receive the money. When it comes to tribal loan direct lenders, you will receive the cash on the same day in most cases. This is perfect when you need money to address a financial emergency.
  • Good for people with bad credit – If you’re restricted by bad credit and need to borrow, tribal loans for bad credit help you to get the money you need quickly. Just ensure you borrow an amount you can afford to repay comfortably, as this is what gets many people in a cycle of debt. Pay as agreed with the lender, and you will not face problems.
  • You can apply online – When you identify your preferred tribal lending company, you can go to their website to apply for the money and learn about their rates and terms. There is no need to queue in lines to apply for the money. If you have a phone or a computer with internet, you can apply in simple steps. All you need is to prepare the required documents.
  • Flexible repayment terms – You can apply for a loan using your paycheck. The repayment conditions for tribal loans are flexible as you’re not compelled to pay off the loan on your next payday. You can agree with the lender to repay the money over several installments. Most lenders allow plans ranging up to 24 months.


  • Limited protection – One of the challenges with tribal loans is the lack of protection for consumers. Tribal entities that ensure consumers don’t adhere to payday lending rules could protect the lenders from being sued for wrongdoing.
  • High interest – Like conventional payday loans, tribal loans offer high interest, which is often higher than traditional loans.
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How to Get Tribal Loans Online

Getting tribal loans online is easy. You first need to understand the requirements offered by the direct tribal lenders, which include:

  • Be at least 18 years
  • Proof of income – offer a paystub or other document to show your income
  • Active checking account – where the lender will deposit the cash

These conditions can vary from one lender to another. When borrowing from companies like LoanSolution, read all the loan terms and requirements to understand the documents you should attach while applying. When you satisfy all these conditions, you need to follow the step-by-step process to apply:

  1. Online Loan Application
  2. Lenders like LoanSolution offer loan application forms you can find on their websites. Use the form to submit any information required to borrow the tribal loan. Ensure you have all the necessary documents to submit the application.

  3. Receive Feedback
  4. After sending your application for easy tribal loans online, you wait for feedback from the lender. You will know if the lender has approved your application or if they need additional information.

  5. Sign Documents
  6. Once approved, you must sign loan documents agreeing to terms and conditions. This shows you have read all conditions about the loan and agree to every point.

  7. Get Money
  8. With everything completed, the lender will send you the cash. The process can take one business day.

Can I Get Tribal Loans for Bad Credit?

If you’re locked out of conventional loans because of bad credit, a tribal loan will help you access the money you need. Your credit score will not impair your eligibility for the loan as the lender reviews your income to know if you can repay the money.

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