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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.

Plain Green Loans


About lender

Plain Green, L.L.C. is a tribal loan company owned by the Chippewa Cree Tribe of Rocky Boy's Reservation in Montana. They have been in business since 2011 as a subsidiary of Atoske Holding Company. Currently, the organization works purely online and provides customers with small personal loans that they must return in installments.

Plain Green Loans' loans are similar to payday loans in terms of loan size and excessively high-interest rates. Plain Green loans are made to help you get the money you need for personal borrowing. When you desire emergency cash, a Plain Green loan can support you to stay ahead and get by. It does not mean this service helps with longer-term credit or other financial needs. There may be cheaper and better alternative forms to get fast cash, like a home equity line of credit, credit card cash advance, personal loan, savings, or borrowing from a friend or family member. It is critical to get the best one for your financial situation.

Plain Green Loans' reviews from Trustpilot got 4.5 out of 5 stars. It is also not a Better Business Bureau accredited company.

Pros and cons


  • Payments are made in installments rather than all at once.

  • You can receive funds in as little as one business day.

  • Individuals with a fair or bad credit report can apply.

  • There are no application or origination fees for customers.


  • Sky-high interest rates.

  • The corporation only works with 26 states.

  • Only small loans ranging from $500 to $3,000 are available.

  • All returned payments incur a $30 cost for the customer.

  • Customer service is rated poorly.

Terms and conditions

Plain Green is an online lender providing short-term loans ranging from $500 to $1,000 for first-time customers and from $500 to $3,000 for returning customers. Plain Green personal loans provide loan lengths of 6 to 26 months. Most personal loans have terms that vary from 12 to 36 months. Unlike many other online lenders, you cannot choose the length of your loan. The size of your loan is determined for you. It also provides a variable APR personal loan product. However, their interest rates are not disclosed. These are installment loans since you pay them off over a period.

There is no information accessible about how the length of your term is determined. Plain Green Loans has APRs ranging from 210 to 438 percent. There is no information on how the interest rate is computed, although larger loans and longer repayment terms have lower interest rates. You can settle your loan before the end of the period to avoid paying higher interest. Their annual percentage rate for a $700 loan would be 413%. Because the Chippewa Cree Tribe is a sovereign nation with tribal immunity, it is exempt from state laws prohibiting usury by regulating high-interest lending.

Funding a loan

You can use a loan from Plain Green Loans for almost any expense, just like any other personal loan. You can use the money for more than just emergencies. You can use it to pay for a wedding or family trip. Plain Green Loans differ from other personal loans because they have very high-interest rates and don't give out as much money.

On the plus side, Plain Green Loans let borrowers choose whether to pay back their loans every two weeks or a month. Plain Green offers installment loans as an alternative to traditional payday loans, allowing you to repay your debt. Paying off your loan earlier than the term expires will help you save money on interest. You can request a Plain Green loan today and have cash in your bank account as soon as tomorrow.

You repay Plain Green loans in increments ranging from 10 to 26 months. There are no penalties or additional fees for paying off your loan early. But remember that they provide credit bureaus with information about your checking account. Late payments, missed payments, or other account defaults may appear on your credit record. The loan process usually takes only a few minutes. If they approve your application, your funds could be available the following day.


What kind of loan is Plain Green?

Plain Green is an online lender providing unsecured loans ranging from $500 to $1,000. These are short-term installment loans since they are paid off in monthly payments.

Is it easy to get a loan from plain green loans?

Applying for a loan with Plain Green is quick and straightforward. The application takes only several minutes to complete, and you'll receive an approval or rejection within seconds.

Is plain green a tribal lender?

Plain Green is a Chippewa Cree Tribal lender operating on the Rocky Boy's Indian Reservation in Montana. It is a sovereign nation within the United States of America. The laws of the Chippewa Cree, not your home state, control Plain Green personal loans.

Company documents

Privacy Policy

Quality, Stability and Integrity in Emergency Cash Lending.

© Plain Green Loans

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What to focus on before applying for a loan with Plain Green Loans

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 Plain Green Loans 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 Plain Green Loans’s reviews by September 2022
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