Plain Green Loans review: cost, tribe, and state coverage
Plain Green anchored Gingras v. Think Finance — the litigation that dragged the rent-a-tribe structure into public view — and now operates under the Chippewa Cree Tribe’s own Tribal Consumer Protection Bureau. First loans run $200 to $1,000, with returning-customer tiers reaching $4,500. The current site publishes no APR range at all; an archived schedule once showed roughly 159% to 374%.
plaingreenloans.com/ ·
record verified 2026-09-29 ·
Index card updated 2026-09-04
The short answer: Plain Green Loans is a tribal installment lender owned by Chippewa Cree Tribe of the Rocky Boy's Reservation (MT).
It publishes no exclusion list, so state availability can only be confirmed with the lender,
and its cost disclosure is published — see the worked math below. A brand with this litigation history and no current published pricing asks for extra diligence.
Amounts
$200–$1,000 first loan
Product
Installment loans with fixed payments
States excluded
n/p
Index score
7.0/10
The disclosure score, itemized
Disclosure leader — terms checkable before you sign. The rubric and weights are public —
read the methodology. What this record earns:
3/3 — Cost transparency. publishes a numeric APR range on its public site.
0/2 — State transparency. no published exclusion list — availability must be confirmed with the lender.
1/1 — Named regulator. names its tribal regulator or dispute body.
2/2 — Product clarity. publishes loan amounts and a repayment schedule.
1/2 — Standing. active, with litigation or regulator alert context on the record.
What Plain Green Loans offers
Installment loans with fixed payments. $200–$1,000 first loan; up to $4,500 for returning customers. Custom schedules; no prepayment penalty.
The cost, with the math shown
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
Worked example at an illustrative 600% APR — Plain Green Loans publishes no APR, the agreement is the disclosure: a $800 loan repaid biweekly over 7 months
runs about $193.19 per payment — $2,897.89 total of payments,
of which $2,097.89 is finance charge. Check that total, not the payment, against your budget.
Where it operates
Plain Green Loans publishes no exclusion list — “availability may change” is the entire statement. That means
neither we nor any review site can confirm service in your state; ask the lender directly and get it in writing.
Disputes: Tribal Consumer Protection Bureau (TCPB) of the Chippewa Cree Tribe.
Who it fits — and who should keep looking
Fits: Small-dollar needs ($200–$1,000) where an operationally mature brand with a named tribal regulator matters more than a headline rate.
Think twice: A brand with this litigation history and no current published pricing asks for extra diligence. Get the full TILA disclosure and read the total-of-payments line before you e-sign.
Checking a Plain Green Loans-sized offer
Our application form matches your request to lenders serving your state — which may include Plain Green Loans or better-fitting alternatives. Checking offers does not affect a credit score.
Plain Green Loans publishes no APR — cost is disclosed only in the loan agreement. As a scale reference, $800 biweekly over 7 months at a market-typical 600% APR runs about $2,897.89 total. Demand the agreement’s payment table before signing.
Is Plain Green Loans a direct lender?
Yes — it is a lending company owned by Chippewa Cree Tribe of the Rocky Boy's Reservation (MT), lending under tribal law with its own agreement and a named tribal regulator.
Does Plain Green Loans check credit?
Like most tribal lenders it underwrites primarily on verifiable income and banking history rather than a FICO score; a hard pull at application is not part of the published process. The loan generally is not reported to the major credit bureaus either.
Can I pay off a Plain Green Loans loan early?
Yes — the published terms include no prepayment penalty, and paying early skips the remaining finance charge. It is the highest-return move available on this loan.
Context: Central lender in the Gingras v. Think Finance litigation over the rent-a-tribe model.
Where our numbers come from
Every fact above is transcribed from Plain Green Loans’s own website (record verified 2026-09-29; source sweep September 2026 / september 2026). The worked example is computed from published figures or an explicitly labeled illustrative rate where the brand publishes none. This record is informational and is not affiliated with or endorsed by Plain Green Loans.