No.1 Blue Trust Loans Review of 2020 - Apply | Credit Raters
Last updated: 18th Jan 2020

Blue Trust Loans Review


Blue Trust Loans is a highly reputable Tribal lender, meaning that they have the advantage of being able to lend without needing to abide to each state’s individual lending regulations.

This online lender specialises in offering instalment loans to borrowers from a wide range of financial backgrounds. Thanks to their status as a Tribal lender, they have the freedom to say yes where other lenders have said no, provided you meet their minimum eligibility requirements.

In this Blue Trust Loans review, we’ll take a closer look at the types of loan on offer, as well as helping you to apply for loans like Blue Trust Loans today.

Also Check: Big Picture Loans Review

Blue Trust Loans In Numbers

Blue Trust Loans pride themselves on offering some of the most flexible instalment loans on the market. First time customers can apply for loans for up to $1,475 which are typically repaid over a 9 month period.

If you’d rather pay off your loan sooner than 9 months, then the good news is that you can clear your balance at any time without incurring any additional charges.

They charge transparent rates per $100 borrowed which vary depending on what ‘pay period’ you qualify for. This means you’ll always know exactly how much you’ll need to repay throughout your loan.

  Weekly pay period Fortnightly pay period Monthly pay period
Blue Trust Loans First Time Borrowers Up to $14.75 Up to $29.50 Up to $59.00
Blue Trust Loans Returning Customers Up to $12.25 Up to $24.50 Up to $49.00

Key Features Of Blue Trust Loans

If you need cash in a hurry then Blue Trust Loans can help. Their Same Day Funding option is one of their most popular features, enabling them to deposit funds directly into your checking account on the very same day that you’re accepted.

Blue Trust Loans also offer a highly rewarding Club Blue Rewards scheme which sees you move up their rewards ladder every time you successfully repay a loan from Blue Trust Loans.

Some of the key benefits include:

  • A higher maximum borrowing limit of up to $2,500
  • Longer repayment periods of up to 10 months
  • Reduced fees of up to $16.00 per $100 borrowed
  • Instalment loans from Blue Trust Loans come with a high APR
  • They aren’t available in every state (see later in this Blue Trust Loans review)
  • First time borrowers are unable to borrow more than $1,475


Yes. Blue Trust Loans is a Tribal lender and funds are issued directly from the Lac Courte Oreilles Band of Lake Superior Chippewa Indians.

Yes. Blue Trust Loans accept early repayment without any additional fees being added to your total repayments.

Whilst most of their loans are scheduled over nine months, this ability to repay early without penalty puts you firmly in control of your finances throughout.

Yes! Blue Trust Loans are able to offer credit where other lenders have said no.

Their focus is on your ability to comfortably afford your repayments and they use a unique set of eligibility criteria to assess each application on its own individual merits.

Eligibility Criteria

Whenever you’re applying for loans like Blue Trust Loans, you’ll need to make sure that you fulfill the minimum legal and in-house requirements to be considered. These include, but are not limited to:

Regardless of these factors, there are minimum eligibility requirements that you’ll need to fulfill to be considered. You must:

  • Being able to comfortably afford your monthly repayments and be able to verify your income
  • Having a US checking account which has been opened in line with their ‘bank account minimum opened duration’ period
  • Being at least 18 years of old when you apply for your Blue Trust Loans loan
  • Being a permanent US resident
  • Meeting the Blue Trust Loans minimum income requirements
  • Having no existing bankruptcy or other severe financial arrangements

You may also be required to submit additional verification documentation such as your Social Security Number, payslips or bank statements.

Also Check:

State Availability

Whilst Blue Trust Loans are not legally required to abide by individual state lending regulations, these instalment loans are not currently available in the following states:

Arkansas Connecticut
Georgia Massachusetts
Minnesota New York
Pennsylvania Vermont
Virginia Wisconsin
West Virginia  

They are constantly reviewing the states in which their loans are offered so do check back in the future. The good news is that there are hundreds of loans like Blue Trust Loans available through Credit Raters which you can compare, for free, today.

Customer support

Blue Trust Loans commitment to customer service is second-to-none with 24 hour telephone and e-mail support available to their customers 7 days a week. Take a look at the table below for a wide range of customer support contact options.

Contact Method Details
Telephone 1-877-770-2682
Postal Address LCO P.O. Box 1754, Hayward, WI 54843
Physical Address Hummingbird Funds, LLC 9790 N County Road K, Suite 3, Hayward, WI 54843
Customer Services E-mail

Application Process (walk through with imagery)

The Blue Trust Loans loan application form takes just a few short minutes to complete. Take a look at our walkthrough below and apply for loans like Blue Trust Loans today.

Tell Blue Trust Loans a little more about you and the loan that you need.

Step 1

So that Blue Trust Loans can make an assessment of your financial circumstances, you’ll need to tell them more about your earnings and pay dates.

Step 2

It’s time to decide how you’d like to receive and pay for your loan. You’ll need a valid checking account so have this information close to hand.

Step 3

And that’s it! You’ll receive an instant confirmation that your loan application has been received and Blue Trust Loans may get in touch to validate the information from your application.

Once accepted, funds can be transferred into your checking account on the very same day that you apply.

Blue Trust Loans – Conclusion

With their borrower base stretching across 39 states, it’s fair to say that Blue Trust Loans has one of the widest coverage areas in the country. Their flexible, transparent approach to lending is one of the many reasons why customers continue to use them for their credit services.

What’s more, is that return customers will be generously rewarded with big discounts on future borrowing thanks to their Club Blue Rewards scheme.

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