Plain Green Loans review: is Plain Green Loans legit?

The Chippewa Cree Tribe (Rocky Boy's Indian Reservation) owns Plain Green Loans, so it lends as a tribal lender.

APR: Not published
Amounts offered: $200 to $4,500
States: Not listed
Complaints to the CFPB: None filed
Enforcement actions: 5

Plain Green Loans on file

Owner: The Chippewa Cree Tribe at Rocky Boy's Indian Reservation in Montana fully owns Plain Green, LLC, an Atoske Holding Company subsidiary
Issued by: Plain Green, LLC
Tribe: Chippewa Cree Tribe (Rocky Boy's Indian Reservation)
Product: You repay these online installment loans over a period of 6 to 24 months
Repayment length: 6 months to 24 months
Cap on a first loan: $1,000
Credit checks: Clarity, Experian, TransUnion, FactorTrust, DataX and Equifax help verify applicants; your credit may be pulled. Offer reviews leave your FICO score unchanged.
Time to get the money: same business day for loans finalized on a weekday by 11:30 a.m. MT, or else the next business day; VIP customers who come back can have funds on a debit card within about 30 minutes

Taken from what Plain Green Loans publishes, CFPB complaint counts and public enforcement files. All sources are listed at the foot of the page

Good to know about Plain Green Loans

The Chippewa Cree Tribe in Montana owns this lender, which states tribal law applies to loans instead of your state's law.
Repeat VIP borrowers can reach $4,500, whereas the cap on a first loan is $1,000.
The lender does not post APRs online; Minnesota's AG reports it charged Minnesotans 570% to 697%.
It was among three lenders under Think Finance's management; because loans were void in 17 states, the CFPB sued Think Finance.
In 2026, a settlement was reached with Minnesota's Attorney General, while Washington's regulator flags the lender as unlicensed.

States where Plain Green Loans lends

The Plain Green Loans pages we read give no list of states (its FAQ). Ask which license covers your state and check it on NMLS Consumer Access before you share bank details.

Plain Green Loans complaints and lawsuits

No complaints sit in the CFPB database under Plain Green Loans's name.

2013 · New York Department of Financial ServicesTo stop illegal payday loans to New Yorkers, a cease and desist letter targeted 35 online lenders, including Plain Green, LLC. Source
2020 · CFPBIn 2017 the CFPB took Think Finance, the manager of Plain Green, to court over collecting on loans that were void in 17 states; a 2020 consent order bars that conduct Source
2021 · US Court of Appeals, Ninth CircuitIn Brice v. Plain Green, the court reversed a denial of arbitration and sent to arbitration a RICO class action that borrowers brought over high-interest tribal loans. Source
2026 · Minnesota Attorney GeneralPlain Green faced a suit over loans near 700% APR. A court-approved September 2026 settlement cancels interest on Minnesota loans and stops future illegal lending there. Source
2026 · Washington Department of Financial InstitutionsFollowing complaints, a consumer alert states that the Chippewa Cree tribe and Plain Green LLC lack licensing from the DFI in Washington Source

Want a cheaper loan than Plain Green Loans?

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 Plain Green Loans and cannot reach your Plain Green Loans account.

Plain Green Loans alternatives: loans like Plain Green Loans

Lender	Type	APR	Amounts	States named	CFPB complaints
Plain Green Loans (this record)	Tribal lender	–	$200 to $4,500	–	None filed
Uprova	Tribal lender	from 34.5%	$300 to $5,000	–	458
MaxLend	Tribal lender	–	up to $3,750	35	134
Minto Money	Tribal lender	–	$200 to $3,000	41	207
Lendumo	Tribal lender	–	up to $2,500	–	1,016

– 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 Plain Green Loans

Is Plain Green Loans legit?

A tribal lender, Plain Green Loans belongs to the Chippewa Cree Tribe, whose Indian reservation is named Rocky Boy's. No complaints appear under its name in the CFPB database, yet we located 5 court or government actions.

Who owns Plain Green Loans?

Full ownership of Plain Green, LLC, an Atoske Holding Company subsidiary, rests with the Chippewa Cree Tribe at Rocky Boy's Indian Reservation in Montana. Plain Green, LLC is the lender listed on the loan.

Does Plain Green Loans check your credit?

According to Plain Green Loans, verification uses Clarity, Experian, TransUnion, FactorTrust, DataX and Equifax and may involve a credit pull; reviewing offers leaves your FICO score unchanged.

How fast does Plain Green Loans send the money?

Plain Green Loans states the cutoff as 11:30 a.m. MT on weekdays: complete the loan before then for same-business-day funding, or expect next-business-day funding. Returning VIP customers can get debit-card funds within roughly 30 minutes.

Has Plain Green Loans been sued or fined?

2013, New York Department of Financial Services: A cease and desist letter went to 35 online lenders, Plain Green, LLC among them. It ordered an end to illegal payday loan offers made to New Yorkers. 2020, CFPB: Think Finance, which managed Plain Green, was sued by the CFPB in 2017 for collecting loans void in 17 states; a 2020 consent order bans such conduct. 2021, US Ninth Circuit appeals court: Brice v. Plain Green: The court reversed a denial of arbitration and ordered it in a RICO class action by borrowers over high-interest tribal loans. 2026, Minnesota Attorney General: The case against Plain Green concerned loans near 700% APR. A September 2026 settlement won court approval: Minnesota loan interest is canceled, and future illegal lending there is barred. 2026, Washington Department of Financial Institutions: Following complaints, a consumer alert notes DFI in Washington has not licensed the Chippewa Cree tribe or Plain Green LLC.

Where the Plain Green Loans facts come from

Owner: The Chippewa Cree Tribe holds full ownership; Holding companyplaingreenloans.com
Range of amounts for the first loan; Range of terms for repayment; Tribal law, rather than state law, governs these loansplaingreenloans.com
Maximum loan size for the top VIP tier known as Emerald; VIP customers get debit card funding.plaingreenloans.com
The site does not publish the APR; the loan agreement discloses it; Sources for data and credit checks; Looking at an offer will not change your FICO scoreplaingreenloans.com
Cutoff time for same-day fundingplaingreenloans.com
No complaints appear in the CFPB database under the exact name Plain Green, LLC.consumerfinance.gov
A Minnesota AG complaint addressed the interest rates charged to Minnesotans.; An example of a borrower appears in the Minnesota AG complaint.ag.state.mn.us
Minnesota AG settlement conditions; Date of the Minnesota AG settlementag.state.mn.us
Washington DFI consumer alert identifies Plain Green; Business name listed in the Washington DFI alertdfi.wa.gov
Plain Green appears on the 2013 New York DFS cease and desist listdfs.ny.gov
CFPB: Think Finance served as the manager for Plain Greenconsumerfinance.gov
Consent order from the CFPB regarding Think Financeconsumerfinance.gov
Lenders named in Brice v. Plain Green (9th Cir.); How Brice v. Plain Green endedlaw.justia.com