Plain Green Loans, a brand of the Chippewa Cree Tribe of the Rocky Boy's Reservation (MT), offers installment loans with fixed payments. Amounts: $200–$1,000 first loan; up to $4,500 for returning customers. Cost: No APR range on the current site — full disclosures in the loan agreement ("an expensive form of credit"); archived schedule showed roughly 159%–374% APR. Its state availability list is not published — eligibility is confirmed during the application.
| Product | Installment loans with fixed payments |
|---|---|
| Amounts | $200–$1,000 first loan; up to $4,500 for returning customers |
| Terms | Custom schedules; no prepayment penalty |
| Published cost | No APR range on the current site — full disclosures in the loan agreement ("an expensive form of credit"); archived schedule showed roughly 159%–374% APR |
| Tribe / owner | Chippewa Cree Tribe of the Rocky Boy's Reservation (MT) |
| Tribal regulator / disputes | Tribal Consumer Protection Bureau (TCPB) of the Chippewa Cree Tribe |
| Status | Active — Central lender in the Gingras v. Think Finance litigation over the rent-a-tribe model. |
| Official site | plaingreenloans.com |
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 Plain Green Loans route to tribal consumer protection bureau (tcpb) of the chippewa cree tribe — 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 tribal consumer protection bureau (tcpb) of the chippewa cree tribe 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.
Central lender in the Gingras v. Think Finance litigation over the rent-a-tribe model — 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.
Plain Green Loans 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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