Answers to the most common questions about Plain Green — from eligibility and rates to repayment and account management.
General Questions
What is the lender? +
This lender is an online tribal installment lender wholly owned by the Chippewa Cree Tribe of Montana — a sovereign nation within the US. Founded in 2011, it offers personal loans from $200 to $4,500 to borrowers across the country, including those with bad credit.
Is the loan product a legitimate lender? +
Yes. Plain Green, LLC is a licensed lender operating under tribal sovereignty. It holds a BBB rating of B and a Trustpilot score of 4.8 out of 5 from over 14,530 verified customer reviews. The company has been in operation since 2011 and has processed hundreds of thousands of loans.
What type of loans does Plain Green Loans offer? +
Plain Green offers personal installment loans — you receive a lump sum and repay in fixed monthly payments over 6 to 24 months. This is different from a payday loan, which requires full repayment by your next paycheck.
What can I use a Plain Green Loan for? +
Plain Green loans can be used for any personal financial need including emergency expenses, car repairs, medical and dental bills, utility bills, moving costs, wedding expenses, and more.
Rates & Fees
What is the APR on Plain Green Loans? +
The APR ranges from 199% to 699%. This is significantly higher than traditional personal loans (6%–36%). Your exact rate depends on your credit profile and VIP tier status. First-time borrowers typically receive the highest APR.
Are there any origination fees? +
No. Plain Green Loans does not charge an origination fee. You receive 100% of your approved loan amount with no deductions.
Is there a penalty for paying off early? +
No. There is no prepayment penalty. You can pay off your loan at any time before the due date and save on all remaining interest charges.
What fees does Plain Green charge? +
Beyond the interest (APR), Plain Green may charge a returned payment fee if a scheduled payment fails due to insufficient funds. Late payment fees may also apply. Review your specific loan agreement for the exact amounts.
Eligibility & Application
Can I apply with bad credit? +
Yes. Plain Green does not disclose a minimum credit score and considers applicants with bad credit. They use multiple credit bureaus for verification but focus heavily on income and ability to repay.
How much can I borrow? +
First-time borrowers can receive up to $1,000. Returning VIP Rewards members in good standing may qualify for up to $4,500 depending on their tier and creditworthiness.
How long does the application take? +
The application typically takes about 5 minutes to complete online. You'll receive an instant decision. If approved and you accept by 11:30 AM ET on a business day, funds can arrive the same day.
What states is Plain Green Loans available in? +
Plain Green operates in most US states, though not all. See our States Available page for a current list. State availability can change, so confirm during your application.
Repayment & Account
How do I make my loan payments? +
Plain Green automatically withdraws payments from your checking account on scheduled due dates. You can also log in to your account at plaingreenloans.com to make additional payments manually.
What happens if I miss a payment? +
A missed payment may result in a returned payment fee and could negatively impact your credit. Contact Plain Green customer service immediately at (866) 420-7157 if you expect difficulty making a payment.
How do I log in to my account? +
Visit plaingreenloans.com and click the "Sign In" or "My Account" button. Enter your registered email and password. See our full login guide for step-by-step instructions and password reset help.
How does the VIP Rewards Program work? +
The VIP Rewards Program has five tiers: Bronze, Silver, Gold, Platinum, and Titanium. Each time you successfully repay a loan, you advance a tier, which reduces your APR by approximately 100 basis points and increases your maximum loan amount. See our VIP Rewards page for full details.
Still Have Questions? Apply and See Your Options
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