American Web Loan review: is American Web Loan legit?

The Otoe-Missouria Tribe of Indians owns American Web Loan, so it lends as a tribal lender.

APR: Not published
Amounts offered: $300 to $2,500
States: 43 states
Complaints to the CFPB: None filed
Enforcement actions: 6

American Web Loan on file

Owner: According to AWL II, Inc., the site's operator, the company is an arm of the tribe: Otoe-Missouria Tribe of Indians
Issued by: AWL II, Inc.
Tribe: Otoe-Missouria Tribe of Indians
Product: Installment loans with short terms
Credit checks: For any credit request, the lender may pull credit reports from consumer reporting agencies, also called credit bureaus. It says you may still qualify with bad credit or no credit.
Time to get the money: as soon as the same working day

Taken from what American Web Loan publishes, CFPB complaint counts and public enforcement files. All sources are listed at the foot of the page

Good to know about American Web Loan

The Otoe-Missouria Tribe of Oklahoma owns it, and AWL II, Inc. in Stillwater, OK runs operations.
No APR range or cost example is published; you will see rates only in the loan agreement.
Loans go up to $2,500, but no applications are accepted from Arkansas, Connecticut, Georgia, Maryland, New York, Pennsylvania, Vermont, or VA.
A long history in court includes a failed 2014 attempt to stop New York regulators and a lost 2020 arbitration battle in the Third Circuit.
In 2021, a Virginia class action that named founder-era CEO Mark Curry concluded with a settlement approved by the court.

States where American Web Loan lends

American Web Loan names 43 states on its own site. Each link opens that state's payday and small-loan rules as general background, not a ruling on American Web Loan's own loans, which may come under a different state law or a partner bank. 12 of them cap small-loan rates, marked capped.

States American Web Loan lists as off limits: Arkansas, Connecticut, Georgia, Maryland, New York, Pennsylvania, Vermont and Virginia (8 in all).

American Web Loan complaints and lawsuits

No complaints sit in the CFPB database under American Web Loan's name.

2014 · US Court of Appeals, Second CircuitAmerican Web Loan, the Otoe-Missouria Tribe and other plaintiffs asked the court to stop New York DFS from enforcing usury laws; the appeals court upheld the denial of a preliminary injunction. Source
2017 · Connecticut Department of BankingThe order found that neither Clear Creek Lending (a name American Web Loan uses) nor Great Plains is an arm of the tribe, and it imposed penalties and a cease and desist directive. Source
2020 · US Court of Appeals, Third CircuitIn Williams v. Medley, AWL's tribal-law-only arbitration clause was held unenforceable; the Pennsylvania borrowers in that case alleged unlawfully high rates. Source
2021 · US District Court, E.D. VirginiaA class action targeted AWL, Mark Curry and others; on July 9, 2021, the court gave final approval to a revised settlement for the class Source
2022 · Maryland Commissioner of Financial RegulationThe final order held that AWL had not proven tribal immunity and ordered it to stop making unlicensed loans to Maryland residents. Source
2026 · Washington Department of Financial InstitutionsA consumer alert issued after complaints states DFI has not licensed AWL II, Inc. dba American Web Loan or other Otoe-Missouria entities. Source

Want a cheaper loan than American Web Loan?

Talk to a specialist about lower-cost choices in your state, credit union loans included. Talk to someone about cheaper options: 855.947.5189

This line reaches a debt and loan options specialist. We are not American Web Loan and cannot reach your American Web Loan account.

American Web Loan alternatives: loans like American Web Loan

Lender	Type	APR	Amounts	States named	CFPB complaints
American Web Loan (this record)	Tribal lender	–	$300 to $2,500	43	None filed
Lendumo	Tribal lender	–	up to $2,500	–	1,016
Minto Money	Tribal lender	–	$200 to $3,000	41	207
MaxLend	Tribal lender	–	up to $3,750	35	134
BrightLending	Tribal lender	325% to 725%	$300 to $3,000	41	None filed

– means the company does not publish it. Complaint counts are totals, not rates: a bigger company draws more. Open any name for its full record.

Questions about American Web Loan

Is American Web Loan legit?

Owned by the Otoe-Missouria Tribe of Indians, American Web Loan operates as a tribal lender. No complaints appear under its name in the CFPB complaint database, yet we located 6 government or court actions on record.

Who owns American Web Loan?

The owner is the Otoe-Missouria Tribe of Indians. AWL II, Inc. runs the site and describes itself as an arm of the tribe. AWL II, Inc. is the lender named on the loan.

Does American Web Loan check your credit?

According to American Web Loan, a credit report may be pulled for any credit request from consumer reporting agencies, also called credit bureaus. It adds that you may still qualify with bad or no credit.

How fast does American Web Loan send the money?

American Web Loan says the money can arrive as soon as the same working day.

Has American Web Loan been sued or fined?

In 2014, the US appeals court for the Second Circuit upheld the denial of a preliminary injunction. Otoe-Missouria Tribe, American Web Loan and other plaintiffs had sued New York DFS to block enforcement of usury laws. In 2017 the Connecticut Department of Banking decided Clear Creek Lending, a name used by American Web Loan, and Great Plains lacked status as arms of the tribe; penalties and a stop order followed. Williams v. came before the US Court of Appeals, Third Circuit, in 2020. Medley. People who borrowed in Pennsylvania argued the rates broke the law by being too high. The court held AWL's arbitration clause, limited to tribal law, was unenforceable. In 2021 the matter was before the US District Court, E.D. Virginia: A class action targeting AWL, Mark Curry and others saw final approval of a revised class settlement granted by the court on July 9, 2021. 2022, Maryland Commissioner of Financial Regulation: the final order said AWL had not proven tribal immunity. The order made AWL cease and desist making loans to Maryland residents without a license. 2026, Washington Department of Financial Institutions: a consumer alert followed complaints. It said DFI has not licensed AWL II, Inc. dba American Web Loan or other Otoe-Missouria entities.

Where the American Web Loan facts come from

The Otoe-Missouria Tribe of Indians is the owner.; The tribe's own regulator grants the license.americanwebloan.zendesk.com
AWL II, Inc. operates the loans and the site; Credit check: reports may be obtained from credit bureausamericanwebloan.com
Federal and tribal law govern the loans, which include arbitration; Highest loan amount allowed.; The application slider sets loan amounts between $300 and $2,500, with $1,200 as the default.americanwebloan.com
They publish no APR range; the loan agreement alone shows the APR.americanwebloan.zendesk.com
These installment loans carry a fixed number of payments; the term is chosen at signing.americanwebloan.zendesk.com
Applications are not accepted in these states.americanwebloan.zendesk.com
It states that having bad or no credit may still qualify youamericanwebloan.zendesk.com
Searching the CFPB company list for American Web Loan returns no matchconsumerfinance.gov
An exact CFPB company query for American Web Loan, Inc. shows no complaintsconsumerfinance.gov
No matching company for Otoe-Missouria appears in the CFPB company searchconsumerfinance.gov
In 2014, the Second Circuit upheld the denial of an injunction the tribes sought against New York DFSgovinfo.gov
In 2017, the Connecticut Banking Commissioner stated that Clear Creek, a fictitious name for AWL, is not a tribal arm; A Connecticut order declares that Clear Creek Lending is a name used by American Web Loan, Inc.portal.ct.gov
In 2020, the Third Circuit found the AWL arbitration agreement unenforceable; The Williams plaintiffs brought suit against AWL's holding company and board members, Mark Curry among themlaw.justia.com
The case Solomon v. American Web Loan, in the E.D. Virginia. 4:17-cv-00145): the class settlement received final approvalcourtlistener.com
The Solomon complaint listed Mark Curry as one of the defendantscourtlistener.com
On April 25, 2022, the Maryland Commissioner directed AWL to cease and desist; The Maryland order states the tribe chose to part ways with former CEO Mark Curry following the Solomon settlement.labor.maryland.gov
A Washington DFI alert published June 30, 2026, states the entity is not licensed in Washingtondfi.wa.gov