Plain Green, LLC

Plain Green Loans is a tribal lender operating under the jurisdiction of the Chippewa Cree Tribe of the Rocky Boy's Indian Reservation, a federally recognized Native American tribe in Montana. As a tribal lending entity, Plain Green operates under tribal law rather than the consumer lending laws of the state where a borrower lives. This means it may not be subject to the interest rate caps or consumer protection requirements that apply to state-licensed lenders.

This is a critical consideration for borrowers to understand before applying. Many states cap annual percentage rates on consumer loans at levels designed to prevent predatory lending. Because tribal lenders claim sovereign immunity from state law, they can charge rates that would be illegal for state-licensed lenders in those same states. Plain Green loans can carry very high annual percentage rates, and the total amount repaid over the life of the loan can significantly exceed the original amount borrowed.

Before applying for a Plain Green loan or any tribal installment loan, exhaust all other options. Credit unions and community banks often serve members with poor or limited credit. Community Development Financial Institutions provide affordable small-dollar loans to consumers who lack access to mainstream credit. Nonprofit emergency assistance programs, local community funds, and employer pay advances may also be available.

Consumer advocates, regulators, and state attorneys general in multiple states have raised significant concerns about tribal lending practices and whether they adequately protect consumers from excessive costs. Consumers with concerns about any lender's practices can file a complaint with the Consumer Financial Protection Bureau.

If you do proceed, understand the full repayment cost and all terms before signing.