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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

1st Tribal Lending's account


How to register an account

The bank offers users a personal account to track all their transactions and other selected services. Users can use this account to pay their dues and for many other purposes.

The lender allows users to register an account online. To register, first, go to the lender’s official site and click on Access your loan. This will take you to the registration page. Scroll down and click on New user registration. When the new page opens, you have to fill in your email, choose a password, and enter your first name, surname, and middle name. Tick the I have read and agree to the terms and conditions’ box (make sure you read and agree to the terms and conditions). Then click on Register, and your account will be ready immediately.

How to reset a password

You have to go to their official site and click on Access your loan to reset your password. This will take you to the log-in page. Now click on Forgot your password, enter your email, and click on Reset password. Then, you have to check your email for a link to create a new password, enter a new password, and click on Save.

How to delete an account

To delete your 1st Tribal Lending account, you have to visit the company’s official site, log into your account by providing your email and password, click on My account, and scroll down. Then you finally click on Deactivate account.


How does 1st Tribal Lending work?

It is a home mortgage specifically designed for American Indian and Alaska Native families, Alaska villages, and tribes. It can be used both on and off native lands for new construction, renovation, purchase of an existing home, or refinancing.

How do you contact 1st Tribal Lending?

They can be contacted through their toll-free number: (866) 235-4033, their main phone number: (510) 856-2184, or their email at for general questions or concerns.

Calculate loan payments in 1st Tribal Lending

1st Tribal Lending calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

25000 $
50000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with 1st Tribal Lending

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between 1st Tribal Lending and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All 1st Tribal Lending’s reviews by September 2022
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