Plain Green Loans does not operate in all 50 states. As a tribal lender, its availability varies by state regulations and tribal lending agreements.
The following states are generally eligible for Plain Green Loans, though availability can change. Confirm during your application.
Even though Plain Green operates under tribal sovereign immunity, certain states have taken legal or regulatory action that effectively excludes tribal lenders. Here's what's happening in different regions.
Most US states have not passed specific legislation targeting tribal lenders. In these states, Plain Green operates under its tribal charter and applies its APR of 199%–699%. This is the case in the majority of Southern, Midwestern, and Western states. Even in states with strict usury caps for state-chartered lenders (like some in the Southeast), tribal lenders can typically still operate because state usury laws generally don't apply to federally recognized tribes.
A small number of states have taken direct legal action against tribal lenders — either through Department of Financial Services orders (New York), consumer protection lawsuits (Connecticut), or explicit legislation (Vermont). In these states, Plain Green typically does not accept applications, or accepts them but restricts loan terms. If you're a resident of one of these states, the application will typically decline you.
The tribal lending legal framework has evolved substantially since 2013. Federal court decisions (like Great Plains Lending v. Connecticut Department of Banking) have generally supported tribal lender rights to operate across state lines under their tribal charter. However, state attorneys general in California, New York, and Massachusetts have pushed back with settlements, cease-and-desist orders, and consumer education campaigns warning residents about high APRs. This means state availability can change from year to year — always verify current status during the application.
If Plain Green isn't available in your state, don't try to circumvent the restriction by falsifying your address — this constitutes fraud and creates loan-agreement problems. Instead, look at state-licensed alternatives: credit union PALs (federal credit unions can operate in every state), state-licensed personal loan providers, or nonprofit lenders. Your state's Attorney General website usually lists licensed consumer lenders operating in your area.
Tribal lending is generally accepted with few restrictions. State AGs have taken enforcement action against specific bad actors but not systematically against all tribal lenders. Plain Green typically operates freely in these states.
Most restrictive region. State DFS orders, consumer protection lawsuits, and interest-rate caps have effectively excluded tribal lenders. Residents typically cannot borrow from Plain Green here — check state-licensed alternatives instead.
Mixed environment. Some Midwestern states have accepted tribal lending; others (Illinois in particular) have passed specific rate caps that affect tribal lenders. Verify eligibility during application.
California has taken some enforcement actions. Nevada and Arizona are generally more permissive. Washington and Oregon have consumer-friendly regulations. Availability varies within this region.
Generally accepting of tribal lending. Colorado has some consumer protection standards but doesn't specifically exclude tribal lenders. These states are typically fully eligible for Plain Green.
Regional patchwork. Some coverage in Oregon and Washington; Alaska residents may face limited options due to remoteness of physical presence requirements for certain lenders.
The fastest way to know is to start your free application — your eligibility is checked instantly.
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