Mobiloans, a brand of the Tunica-Biloxi Tribe of Louisiana — MobiLoans, LLC, offers line of credit with cash draws. Amounts: up to $3,000 credit line. Cost: APR 73.89%–413.20% (with $20 instant-funding fee); cash-advance fee plus fixed finance charges per draw; no fees if repaid by the due date. It does not serve at least 22 named jurisdictions: AZ, AR, CO, CT, DC, GA, IL, LA, ME, MD, MA, MN, MT, NH, NJ, NY, NC, PA, SD, VT, VA, WV.
| Product | Line of credit with cash draws |
|---|---|
| Amounts | Up to $3,000 credit line |
| Terms | Revolving billing cycles; minimum payments can stretch to ~14 months |
| Published cost | APR 73.89%–413.20% (with $20 instant-funding fee); cash-advance fee plus fixed finance charges per draw; no fees if repaid by the due date |
| Tribe / owner | Tunica-Biloxi Tribe of Louisiana — MobiLoans, LLC |
| Tribal regulator / disputes | Tunica-Biloxi Lending Regulatory Commission; Tunica-Biloxi Arbitration Code |
| Status | Active — The main tribal line-of-credit product; longest exclusion list we verified (22 jurisdictions). |
| Official site | www.mobiloans.com |
As published by the lender (AZ, AR, CO, CT, DC, GA, IL, LA, ME, MD, MA, MN, MT, NH, NJ, NY, NC, PA, SD, VT, VA, WV). Lists change without notice — re-check before applying.
This lender does not put a full numeric APR on its site — the binding number arrives in the loan agreement. That is common in the sector and legal under tribal code, but it means you should demand the total of payments in writing before you accept. Terms allow multiple installments, so compare the sum of all payments against a state-capped payday option and a credit-union PAL before signing.
Disputes with Mobiloans route to tunica-biloxi lending regulatory commission; tunica-biloxi arbitration code — not to your state attorney general. State regulators in several of the excluded states take the position that their caps should apply anyway; the safest consumer posture is to borrow only what the repayment schedule can absorb without strain.
Disputes route to tunica-biloxi lending regulatory commission; tunica-biloxi arbitration code under the loan agreement, not to your state attorney general. Keep the contract and every payment record, escalate in writing through the lender’s dispute process first, then file with the CFPB complaint database — federal complaints against tribal lenders are tracked even when enforcement routes to tribal forums.
The main tribal line-of-credit product; longest exclusion list we verified (22 jurisdictions) — that is the published history we verified from public records. For anything newer, check the CFPB complaint database and your state attorney general’s announcements before applying; exclusion lists often harden after enforcement activity.
Mobiloans operates under the tribe’s lending code, and the brand asserts sovereign immunity from state rate caps — a position state regulators dispute and courts have split on. The loan you sign is real and enforceable, which is why the total-of-payments line matters more here than anywhere else in this market.
Expect the standard high-cost sequence: NSF or late fees, repeated ACH debits against your account, then collection through the arbitration or tribal-court process named in the agreement rather than your state courts. Some lenders sell delinquencies to collectors. None of it improves your credit — on-time repayment usually is not reported either.
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