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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 pay off


Repayment of loan

The company offers multiple repayment options. The borrower should check the repayment schedule and try to pay their dues on time. Loan repayment can be made online or through any electronic bill settlement service.

Supported types of payment

  • Online

  • Mobile app

  • Debit card

Steps to repay


  1. Visit the company’s website

  2. Click on Access your loan. It will take you to the log-in page.

  3. Log into your account by providing your email and password

  4. Click on Loan repayment

  5. Enter your loan details.

  6. Choose your preferred payment method.

  7. Enter the amount you want to pay.

  8. Make payment and refresh the page; it should reflect immediately.

Mobile app

  1. Log in to your mobile app

  2. Go to the Payments area.

  3. Select the loan you want to repay. You can choose either the minimum amount due or the total installment amount.

  4. Then choose the bank account you want to use to complete your payment.

Users should enable push notifications on their app if they want to be notified about their loan due date, payout status, and more.

Debit card/phone

You can also make payments by using your Visa, MasterCard, or Discover debit cards through any electronic bill settlement service.

  1. Visit any e-bill settlement service website (like Fiserv, Master-card, Western Union, etc.)

  2. Select Bill payment.

  3. Select how you want to pay (using your phone through the representative customer agent, online using your cards or mobile)

  4. Choose if this will be a recurring or one-time payment.

  5. Choose 1st Tribal Lending as your biller type.

  6. Enter your Loan details at the specified spaces

  7. Click on Agree to terms and conditions.

  8. Click on Submit, and wait for some seconds for the confirmation.

Conditions of loan extension

You would be able to extend your loan if you did not breach your first loan condition. If you were able to pay your previous monthly payments on time. You can also extend your loan if your documents are up to date, taking you past all the required tests.

Early payoff

The company is one of those lenders which offers penalty-free early payoffs. If you pay your entire debt before each due date. 1st Tribal Lending will not charge you any interest on non-promotional purchases or any other thing.


How do I make a payment to 1st Tribal Lending?

You can make a payment to 1st Tribal Lending online on its website, through bank transfer, over a call, through your debit card, or through their mobile app. 

What happens if you don’t pay back 1st Tribal Lending?

If you miss a payment, 1st Tribal Lending may request immediate payment of the total amount you are owing. They may take legal action to collect the sums outstanding or take any other action possible. 

Can you pay 1st Tribal Lending early?

Yes, you can pay early with no prepayment penalties.

Can 1st Tribal Lending sue you?

They have the right to sue you. They can employ a lawyer to sue you for your underlying debt, fees, and costs in a breach of contract action.

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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