Name: Blue River Lending

Description: Blue River Lending offers tribal installment loans for people with bad credit.

2.6 of 5 stars 1 review
  • Customer Support
  • Cost of Loan
  • Funding Time
  • Application Process

Review Summary of Blue River Lending

Blue River Lending a tribal lender that offers customers with bad credit installment loans. You can borrow a minimum of $100 up to a maximum of $1,000. The cost is pretty expensive. They don’t list what their minimum APR is, however, you could pay as much as 747% APR over the course of the loan. Ouch. That’s very expensive. Our suggestion is to review and compare other tribal lenders to get a better rate if possible.

User Review
4 (2 votes)
Comments Rating 0 (0 reviews)


  • Good for emergency expenses
  • Good if you have bad credit
  • Funds loans within 24 business hours


  • Very expensive form of borrowing.  Up to 747% APR
  • Not a good option for long term expenses
  • You can easily dig yourself into a debt trap

Beware: What Every Borrower Should Know About Blue River Lending

As financial technology advances, it allows new forms of financial tools to exist, creating new avenue for consumer to obtain financing. Tribal lending is one of those markets that has benefited greatly form fin-tech expansion. Not all lending companies’ market to the same individuals and tribal loans are specific in their audience. They primarily market to those that have average to below average credit, or to individuals who are in an emergency situation.

Finding the right tribal lender can take some time and research, comparing rates and terms. In this article, we aim to help your search by taking a look at Blue River Lending and going over their website, products and the application process. Selecting the right lender not only saves you stress but it can also save you money.

Overview of Blue River Lending

Starting on the home page you will find a very well laid out and professional presentation, having everything you need to get started right on one page. At the top you have the link you’ll need for additional information and logging into your account. From there, you can begin the application process by using the widget on the homepage.

Scrolling down the page you will see typical information on how the application process is fast and you can receive your money quickly. Each of the bullet points lead you to a page so if you want additional information you can follow the path.

The only thing left is the contact information at the bottom of the page. In the footer of the website there is fine print information, some of which is important to review before applying.

Blue River Lending does not lend to residents of:

  • Arkansas
  • Washington DC
  • Minnesota
  • Connecticut
  • New York
  • Pennsylvania
  • Vermont
  • Virginia
  • West Virginia
  • Wisconsin

Blue River Lending Requirements:

  • Must have direct deposits from your employer.
  • Valid/Non-expired government issued ID.
  • Open and active checking account.
  • Current banking statement.
  • Must not be active duty in any branch of the military or a dependent of someone in the military.
  • Must be at least 18 years of age.
  • Must have a valid address and contact phone number.

Blue River Lending Loan Rates and Terms: How Much Will it Cost?

Moving to the product, Blue River Lending offers you a short-term installment loan, which is beneficial for you because you can repay the loan over a period of time. Another detail in the footer of the website is a statement that states, “This is an expensive form of borrowing and it is not intended to be a long-term financial solution”. That means this product should be used in emergencies or for extremely short-term financial needs.

If you are a new borrower, you can apply for a loan as little as $100, all the way up to $1,000. As far as interest rates are concerned, you may have to pay as much as 747.96%, which is a high amount compared to traditional loans but is competitive in the tribal loan market. An efficient way for you to avoid interest expenses is to repay the loan back as quickly as possible.

Blue River Lending Application Process

As with any tribal lender, the goal is to get you funds as quickly as possible. That means the application process shouldn’t take more than a few minutes, as long as you have your loan information ready. To start, you will input your basic personal information such as name, social security number, email and drivers license number.

In the next section, you will input the banking information of the account you wish to transact with. The final section will pertain to your income and employment information. While there doesn’t appears to be a specific income amount you must meet, most tribal lenders have a dollar amount of $1,000 a month.

The final sections will require you to answer military questions, add references and how much you wish to borrow. Once that’s completed, you are all set to submit your application for approval. During the application process, they do request a good time to call you, which indicates you likely will need to verify some information.

The Bottom Line on Blue River Lending

Once your application has been approved, you will likely receive funding on the next business day. However, if you want same day funding you can speak with a Blue River Lending representative, but this may cost you additional money.

After you receive your proceeds you can begin applying the money as you see fit. As for repayment options there are two ways to do that, with the first being a repayment based on your schedule. The second method is to repay your loan as early as possible and this will save you money on interest expense.

Overall, Blue River Lending appears to be solid company that can provide you what you need with a competitive rate in the current market. Head on over to their website and take a look for yourself. Be sure to compare rates with others in the marketplace and find the best one possible, along with solid product offerings and customer service.