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Blue Trust Loans is an installment payday loan company that offers loans of up to $2,000 cash that are repaid over a 6-month period. It is owned and operated by the Lac Courte Oreilles Lake Superior Band of Chippewa Indians of Wisconsin, a federally-recognized sovereign government American Indian tribe. Although the tribe claims sovereign immunity to state laws, customers claiming predatory lending can still contact the Consumer Financial Protection Bureau (see below).

Important: In 2014, a US District Judge ruled that the FTC has authority to regulate certain arms of Indian Tribes, including payday loan companies operating under Tribal Law. If you feel that you have fallen victim to a predatory lender, even one claiming Indian tribal affiliation, we advise you file a complaint with the Consumer Financial Protection Bureau.

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The Good

  • Repayment Terms
  • No Credit Score Required
  • Customer Service

Repayment Terms

Blue Trust Loans offers funding of up to $2,000 for first-time customers and more for returning customers. Installment loans are an alternative to payday loans. Because Blue Trust Loans offers personal installment loans, the repayment terms are 6 months long with anywhere from 6 to 24 payments, depending on how frequently a borrower is paid (monthly, bi-monthly, weekly). The borrower can pay off the balance in full at any time without incurring any early payoff fees. The stated interest rates range from 471.78% to 841.45% APR.

Like the online payday loans, applying for online installment loans is quite easy. The loan application consists of three sections and asks applicants for the following information:

  • Personal information: name, social security number, email address, birthdate, phone number(s), address, requested loan amount
  • Income information: employer name and number, how often and how paychecks are received, net amount per paycheck, dates for the next two paydays
  • Bank account information: account type, routing number, account number

No Credit Score Required

While a credit score is not required, Blue Trust Loans does ask if an applicant has or is planning to file for bankruptcy and will not issue loans to debtors in current or soon-to-be-filed bankruptcy cases.

Customer Service 

During normal business hours, a representative will contact an applicant within an hour after the application is completed (sometimes even within a few minutes) to verify the information, and approval can be received at that time. The cash loan can be deposited into a checking account as soon as the next business day.

Blue Trust Loans provides a general phone number, mailing address, physical address, email address, and an online email form for contacting customer service. The company also has an advanced customer service phone number and email address, and a loan processing phone number, fax number, and email address. Emails are answered quickly and the company's general phone number sends callers directly to a customer service representative. However, it should be noted that getting specific information without having already submitted an application can be difficult.

The Bad

  • Lack of Transparency
  • Possible Additional Fees
  • Company Shares Information

Lack of Transparency

Although Blue Trust Loans does provide some information about their interest rates and fees, the financial responsibilities of the borrowers not clearly stated on their website.

Possible Additional Fees

The application is free to fill out, but it is uncertain whether or not there are additional origination fees, late fees, or other finance charges. The application of the interest rates to a loan is also unclear, but because payments are stretched out over 6 months, borrowers will almost certainly end up paying a huge amount of money in interest on the short-term loan. Blue Trust loans states that all of the specific terms of a loan, including any additional fees, will be set forth in the loan agreement, and borrowers are highly encouraged to review that agreement thoroughly before signing it. 

Company Shares Information

Blue Trust Loans very clearly state in its Privacy Policy that it can and will share customers' information with other companies starting 30 days from the date the information is received. It also states that it will continue to share customers' information even after they are no longer customers of Blue Trust Loans. There is a phone number borrowers can call to limit what information is shared and how, but they can limit only certain types of sharing.

While the transparent disclosure is admirable, customers should be aware that they will most likely receive marketing calls and emails from other direct lenders after applying with Blue Trust Loans. There are several other payday lenders with similar names or website addresses, such as Blue Trust Loans at bluetrustloans.com and Blue Trust Loans Reviews at bluetrustloansreviews.com. Customers should be sure to reach the correct company for best service. 

The Bottom Line

Although Blue Trust Loans provides customers with several reliable ways to reach its customer service department, it does not appear to be completely upfront about what customers pay for interest rates and fees until a borrower has completed an application. Even so, the company suffers from numerous complaints and allegations of predatory lending practices.

The Blue Trust Loans' privacy policy clearly states that it will share customers' information with other companies, even after a customer's account has been closed.

We do not recommend working with this direct lender at this time.

View Best Payday Loans

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All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify our review moderation team.


User Reviews

Star Rating

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67 Reviews

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G Singh
July 29th, 2019 Yucaipa, CA DETAILS
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This company is horrible compared to its competitors I went through a company called loanme.com and I borrow $2700 and I paid it back in the same amount of time (1 month) and they only charge me $110 in interest...I borrowed $550 from Blue trust loans and in the same amount of time (1 month)they charge me $$285 I couldn’t believe for a $500.50 loan that they were trying to charging me $300 a month it’s like geez half of the loan a month interest I have paid the first payment of $75 my second payment was $148 then I paid off the loan for $612 thank God I realize that I needed to pay this loan off immediately... I hate that when I went to pay off the loan the lady tried to get me to pay it off on my next payment date instead of saving me money and doing as soon as possible this company is horrible and trying to scam you....Don’t do Business with them Please you’ll regret it like everyone else

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Lisa
July 25th, 2019 San Jacinto, CA DETAILS
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Please do not do loans with this company I took a loan for $300 and my total was $374.66 that stated needed to be payed back for interest they never ever sent me any confirmation of anything anyways it’s been five months now and there still taking all this money from my account they said I agreed to pay 12 months of payments for the amount of 965.98 wtf fraudulent company I never agreed to this I will be contacting better business bureau and filing a small claims on this company

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Brutus
June 27th, 2019 Chico, CA

Blue Trust quickly impressed me with how fast and knowledgeable the caller reached me. However, I explained that I needed to correct some info during the final application review and I explained their software forces people to give less-than-perfect answers because they do not allow duplication of accurate information. AFTER telling me I was approved and all I needed to do was SIGN the contract digitally, she rejected the loan. So this POS organization has my bank account, routing number, SSN, everything they need to defraud me. This organization is a fraud and will be reported to the BBB, FTC, and anyone else I can think of.

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Unknown Customer
June 3rd, 2019 Lillington, NC DETAILS
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When I applied for a loan with Blue Trust Loans. They said I was approved for $440. But I took a lower amount. The lady on the phone talked so fast. But she gave me the pay off for the $450. Not the amount I decided on. I have no idea how much I'm paying back nor how much to pay if I want to pay it in full. They said they would email me my contract and I never got one. It's very hard to get in touch with this company. But they have no problem taking your money. Since I don't know how much I'm supposed to pay back. They obviously can keep taking from my account as long as they want. Don't do business with them. They're not honest and they hid your paperwork from you

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Shaquitta Williams
April 17th, 2019 Elyria, OH DETAILS
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I wasn't aware of front that I was going to be spending $600 for a $200 loan.

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Reg
April 3rd, 2019 Hallandale, FL DETAILS
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Never do business with this company they disguise themselves as a bank. If I would have known this is a payday loan company I would have never done business with them. They lie and fraudulently alter your account. This company should be shut down immediately. Lesson learned! Again this business is located in another country!

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Matthew
March 28th, 2019 Palm Coast, FL DETAILS
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First there customer service is excellant , now the truth this company does NOT provide information to the THREE major credit bureau's , second YOU MUST understand you will be borrowing at a high rate . For example if you have $900 dollars left to pay on a loan You MUST remember you will still have to $1300+ to pay the loan off. REMEMBER TO PAY ON TIME or it goes much higher . This is a legit company SO THINK over your finances before you borrow , then REALLY ASK YOUSELF is this worth it. If you can't afford it DON'T BORROW.

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Deborah Leblanc
February 12th, 2019 New Durham, NH DETAILS
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I decided to pay off the balance of the loan I had been paying on since 9/18, I was extremely shocked to find I owed still the a amount of the loan amount I had in the first place after paying since last September I have been a returning customer with good rapport and upfront description of the loan amount and percentage rate. Unfortunately for me I needed the loan at a very stressful time. I was not informed that to loan 1400, I would be paying roughly 4000. dollars if that had been explained to me I would have decided that was a very bad decision no matter how much I needed the loan. Since I was a two times returning customer I thought I would have better treatment. When I called to pay off the loan I asked the representative to let me speak to the manager after being dissatisfied with his rhetoric I asked to speak with his manager I was told that since I had already had two phone conversations that was all I was allowed. I cannot tell how disappointed and ashamed I felt for using this company I will never use them again for their shoddy treatment and encourage you to not ever use this company

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Nicole J
January 23rd, 2019 Los Angeles, CA DETAILS
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They aren't as forthcoming with much-needed information regarding their loans. Their interest rates are ASTRONOMICAL and you will be paying quadruple of what your borrowing. For $750 your payback is over $3000! Putting you deeper into a hole. I was lucky enough that I was able to pay off my loan when I noticed the promised payback of three installments kept going and going. There are other avenues to take when you are strapped for cash, Unfortunately, they ARE NOT ONE OF THEM! This experience forced me to look at my spending habits and make more of a conscious effort to SAVE FOR A RAINY DAY!

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Lee Marrin
January 15th, 2019 Austin, TX DETAILS
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I have had an overall pleasant experience. I have bad credit, could not get a loan through my bank, so I got one from Blue Trust. Of course they have high interest rates. I am guessing most people who took out loans with them could not get approved at any big bank. I knew going in I was going to ne paying extremely high interest but I needed the money. We do what we have to do sometimes. If you are going to deal with a loan company that is not a reputable bank or credit union, you pay high interest. They sent me all the paperwork explaining the interest on my loan. I read it and still agreed like I am assuming the rest of you did. Giving a bad review for something you read and agreed to is not a reflection of Blue Trust. They were very open with what I would be paying. We agree to it at the time because we are probably in a desperate situation. Do I like having to take 6 months to pay back a $300 loan. No but I signed and agreed to it. The responsibility falls on me when it comes to the amount of money I need to pay back.

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Scott
January 9th, 2019 Clarksville, TN DETAILS
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Place is trash, consumer beware, you will payback over 2000.00 for a 600.00 loan. Extremely high interest rates with payments over 360.00 a month...for a 600.00 loan... rip off

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Shadysmile76
December 20th, 2018 Shawnee, KS DETAILS
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I would have given only half a star if I could. This is the worst company to get a loan from. Their interest is outrageous. You will pay %250 percent interest. Do not take this loan you will only put yourself worse than you were before. Not even if I was dying would I take money from these people again. This company should be ashamed of themselves.

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Vel
December 11th, 2018 Gainesville, FL DETAILS
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I borrowed $825. A week later they took an auto payment for $221.37. NOT even a week later I called to pay it off and they told me they would have to schedule the payment the next day....That’s so they could add over $100 in interests but there is no penalty to pay off earlier as I was told. Well they charged me $983.20 to pay it off!!!! PLEASE DO NOT BORROW a penny from these people. I’m looking into this further as I thought predatory lending was abolished.

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Anthony
November 20th, 2018 Austin, TX

Getting charged a massive amount of interest daily. I barrowed a loan of $300, 3 payments later of $82.00, my remaining principle balance sits at $279.00. $992.76 is after all the monthly payments if I was to complete my 12 payments. This is the biggest rip off I’ve ever been involved with. I am never to use this company again and I advise the same to anyone else Seeking a loan. THIS IS NOT THE PLACE TO GO!

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mario
October 29th, 2018 Los Angeles, CA DETAILS
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my name is Mario I have a prepaid account I just paid them off now I went to get a new loan I was approved then I was transferred to someone else to tell me they no longer accepts prepaid accounts

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Paul Mokler
September 26th, 2018 Sierra Vista, AZ DETAILS
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It's a big ripoff and they tell lies BEWARE

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jj ung
September 18th, 2018 La Puente, CA

After getting a call with them and my bank, they said they needed my pay stub, I email them my pay stub. A different specialist called me saying they need to go over with my bank. I told her I already did with your previous agent that contacted me, she insisted on that I need to do it again. So I did, after going through the process all over again, they said my 2 weeks pay stub was not inconsistent which is what I have for the past 6 months. She said she spoke to the supervisor, they can't approve the loan. It was such a waste of everyone's time and my information was giving to them. Stay away, there are many better options out there.

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Deberry
September 7th, 2018 Ahoskie, NC DETAILS
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They are a RIP OFF. They give you false information. I asked them specifically how much was the interest and she said only 59 dollars on the hundred. Well correct me if I'm wrong but 1800 dollars on a 450 dollar for six months is a LITTLE more than that. My advice to you is don't get caught up like I did. Stay away from them!!!! They are no good!!!!

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Robin Irizarry
September 5th, 2018 San Francisco, CA DETAILS
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Blue Trust Loans took all of my information, talked to my bank while I was on the line to confirm my direct deposits (which I have been getting every 2 weeks for iver 20 years). They told me I was approved and then called me every 2 hours requesting pay stubs and then wanting to call my bank with a second totally different loan "specialist". At 9 o'clock at night they denied my loan after talking to my a bank and getting every bit of my info. The supervisor refused to give me a full name in the end even though he had all of my banking and id information. I was approved in 1 hour the next day by a competitor no hassle. They are a scam, they want your info to sell to other companies... this is how they make money off of you far beyond the interest.

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Desaree Allen
September 5th, 2018 Plainville, IN DETAILS
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They deserve no stars. Customer service agents tried bulkying me into making a double payment because they claimed that my previous payment was NSF. I called their bluff and emailed them proof that the payment went through. Because of that, They lost my trust and they are now blocked from pulling money from my account. I have now problem paying my debts, but don’t try to scam me!

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Sonja
August 24th, 2018 Arlington, TX DETAILS
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Blue trust denies customers same day pay offs and continues charging extension fees and interest until paid in full payment posts (after weekend or next business day per their system) BEWARE!

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Disatisfied Customer
August 22nd, 2018 St. Petersburg, FL DETAILS
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While borrowing $1200 was easy from this company they failed to explain the almost 800% interest rate. The first payment of $210 was due 4 days after I received the loan. I was told I would have 24 total biweekly payments & could pay the loan off at any time during the 6 month term. They also failed to mention that the following 23 payments would jump to $381. After 2 weeks of getting the loan I contacted the company to pay $600 towards the principal. I was informed they would only take a full payoff, only on my payment due date & payments could not be made towards the principal. If I had taken the 6 months to pay back the loan I would have paid over $4300 for a $1200 loan...in 6 months. I paid off the $1200 in 3 week costing me over $600 in interest. None of this was explained to me when getting the loan. I’m not sure how this isn’t criminal. BUYER BEWARE...WORSE THAN LOAN SHARKS 👎

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Mary
August 16th, 2018 Toms River, NJ DETAILS
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Not worth it! Needed a 200.00 loan in June. Payments 40.83, 2x a mth. Now it's Aug 15th and my payoff is 195.63. Do yourself a favor, don't get involved with these companies..

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Karen Reid
August 6th, 2018 Longmont, CO DETAILS
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I have made a formal complaint against this company, and I urge others to do the same. If you take out a loan, if you want to make a payment TOWARD the loan, they will not take it. It's either pay the loan off or nothing. I borrowed $1500, and they made me wait until the 1st of the next month to pay $1200. Then they told me the payoff would be $1078 on the first of the next month. And if I don't pay it off? Even though I now owe significantly less having paid $1200, I STILL would have to pay more than $500 a month on INTEREST. I'm paying this wicked company off, then I hope to meet them in court. You see, they are a "rent a tribe" outfit--so they can escape state usury laws. You need to avoid this rip off company like the plague!

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Shawn Stanard
July 26th, 2018 Temple Hills, MD DETAILS
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I have been very loyal to this company paid ib time no issues. then I requested another loan it took 6 days for them to respond after numerous calls. Then had the audacity to verify my information 3 times and constantly placed me on hold. I see paying on time and being loyal to this company means nothing.

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Davin Markham
July 12th, 2018 Fairfield, CA DETAILS
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Crooks. Stay away. Interests rates this high should be illegal. It would be cheaper to sell your soul to the devil.

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Kristin Schulz
July 11th, 2018 Escondido, CA

If I could give this company a big fat 0 I would. Horrible customer service! They have no clue what they're doing. I filled out my information online provided all income sources as directed. I sent what they requested to verify only to be called back and told I was approved for a lesser amount because I was not truthful on my application. The first representative had no clue how to handle my questions. I had to ask for a supervisor (Cindy) and she too had no clue. Both representatives were passive not delightful and no once did they seem to care they were blatantly tell me I was lying about my income. Nor did they seem to care that I was clearly offended. Maybe if they had any personalities at all they would know to use fact finding questions to resolve an issue and keep a customer happy. By the looks of the other comments it doesn't seem they will ever get it. Don't do business with this company, they'll belittle you and call you a liar.

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Jason Gross
July 10th, 2018 Milton, FL DETAILS
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Extremely horrible! Wish I was informed about these reviews before getting a $750 loan! Over the six months I am paying over $2,200 back to the company! Three times alone! Do not do this company! They are such a rip off! Highway robbery!.. And to the people who are less fortunate! What a way to take advantage of hard-working people that fall under hard times! A big screw!

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Karen Reid
July 10th, 2018 Longmont, CO DETAILS
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These people are LOAN SHARKS! Have NOTHING to do with them! I recently took out a loan for $1500, and was LIED TO that I could call and make a payment at any time TOWARD the principal. HA! I tried to make a payment today, July 6, of $300 toward the principal, and was told I couldn't make a payment until the payday, August 1--and THEN they couldn't tell me with an extra payment of $300 what my monthly payment will be! These people are CROOKS, don't have anything to do with them! They will LIE TO YOU and take you to the CLEANERS!

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Robert Pizor
June 25th, 2018 Summerville, SC DETAILS
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I have never had a problem with them. I borrowed money on a couple occasions, told them I wanted to pay it in full the following payday, the charged me 29.50 plus the loan amount on the date I agreed to and that was that. To many people request to much money and then it's somehow the loan company fault when the can't pay it back or getting charged high interest fees. Don't borrow more then you can afford and always pay it back on next payday and you won't be belly aching a predicament you got yourself into. Just saying.

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Amy Harless
June 21st, 2018 Duffield, VA DETAILS
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I will never use these people again I got a $400 loan and paying back over $1500 and my balance says principal is $101 yet they are taking a $131 payment? Today I tried to call and pay my principal off which was $179 bit they said I would have to pay $230 which includes 50 some interest... i will never do business with these people they quoted me interest an after I signed the email and sent it back they called and said they made a mistake... DO NOT GET A LOAN WITH THESE PEOPLE

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Barry Whitaker
June 12th, 2018 Bowen, IL DETAILS
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Do Not, I repeat Do Not borrow anything from this company.they told me on phone it would be 12 payments of 65 dollars, it ended up being 24. So i paid 1300 for A 350 loan and at the end they called and said I owed 271 and ended up drafting it out when I said I would call later to set up payment arrangements on the 271. This is horrible. DONT DO IT

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Unhappy customer
May 4th, 2018 West Hollywood, CA DETAILS
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This is the worst experience ever. I called in to pay off my loan and was told I missed the deadline. Told me I can call in tomorrow after my first payment is pulled ($221.00- $14 goes towards the principal) to pay the balance...smh. lesson learned DO NOT GET A LOAN FROM THEM...HORRIBLE...SHARKS....PREDATORS

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Aneta
April 2nd, 2018 Elgin, IL DETAILS
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This is a horrible company! I borrowed $500 and now with interest it has more than doubled! This is abuse! At no one time was I informed by their agent that this was going to be an extremely HIGH interest loan! BEWARE and don’t do bussiness with this company!

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Not necessary
March 15th, 2018 Eastpointe, MI DETAILS
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Dishonest! Liars! I specifically asked Luanne about the interest rate upon applying for the loan. She never gave me a straight answer, stating the details were forthcoming. Never happened. Ben told me they sent emails with all the details outlined. No emails. He said a document was emailed outlining the interest rates before I signed for the loan. Not true. There should be a class action suit against them so that we all get our money back. Amazing how Better Business Bureau backs them. They will reap what they sow and they will not be in business much longer because of their deception.

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M Gentry
March 15th, 2018 San Bernardino, CA DETAILS
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This company is a scam!! i got a $400 dollar loan which only $375 was deposited into my bank! when i saw that they were only putting $5 of the $126 payment towards the loan i called! They said it was in the agreement i signed, which i didnt get in an email until after the loan was processed. They failed to explain that theres a 750 percent interest rate on the loan, By the time the loan is paid off in August i would have given then over $1500 dollars!! It is a rip off and and a scam company! Guarantee i wont be using them ever again!! Dont do it, dont use this company!

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Renae
February 28th, 2018 Lewis Center, OH DETAILS
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They are liars and scam artists. Do not use this company. The percentage rate they charged me was 750%. I got a $200 loan at Christmas time. I called when I thought the loan should be paid and they said the total amount to repay was over $700.

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Jeff
February 26th, 2018 Morongo Valley, CA DETAILS
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They are liars and scam artist..they are currently under investigation. Don’t use them!

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Stephany
February 22nd, 2018 Las Vegas, NV DETAILS
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I was in need of cash fast..they charged high interest. I paid two payments of $170 and after that I paid the loan off. It was more then I took the loan out for...don't do it! Find a better place.

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Linda Johnson
January 30th, 2018 Silver Spring, MD

They are loan sharks and charge 400% interest on their loans! Crazy! I better not see an inquiry on my credit report. When I declined the loans they proceeded to harass me.

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Beth
January 24th, 2018 Connersville, IN DETAILS
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Worst business to work with. Lies and will not work with you. Avoid them very rude

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Lochelle Wertz
January 19th, 2018 Washington, DC DETAILS
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Borrowed $850. Your only paying 15-20 towards the actual loan each pay period. But they are taking 260+. 764% interest is just robbery with no gun. DONT DO IT. Paying over $3000 for a loan is ridiculous.

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nasser
January 16th, 2018 Parkville, MD DETAILS
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Got a an emergency loan for 700$ I knew that interests rates are exuberantly (criminally high) Even mafia would give better deal. But I was always going to pay it off within few weeks. So I called to make the payoff (649 dollars). But they don't do same day payoff, and they don't process during the holidays. So my payoff was 749$ cause the payoff would take place 3 days later. . I would have given no star if there was an option for that. Don't do business with the, shit if you need just few hundred bucks I will give it to you or loan it interest free

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marion
December 14th, 2017 Pompano Beach, FL DETAILS
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i have taken out a few loans with this company and at first i was pleased with them,But as of lately i am not the staff is very rude they are not honest.I spoke a rep about maybe taking out a loan in the near future. Well after that call i kept receving call after call on trying to get me to take out a loan..So after countless calls and the promise of a 50.00 gift card in i 48 to 72 business hours lets just say that was 3weeks ago and counting.Every time i call i get a different lie.So after i pay my loan off i dont think i will use this company again not because of the high rates but because of the dishonesty.

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Alex
November 10th, 2017 Del Rio, TX DETAILS
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Made 3 payments on a 700 dollar loan and decided to pay off my loan. According to the payment charge, my principle balance was 649.00, since they don't do same day payments on a Friday they said my payment won't go through until Monday. By then my principle incurred daily interest and my payoff would be 749.00. These people will not work with you. Definitely not doing business with them again.

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Christy
October 5th, 2017

This company is a total scam and wont even negotiate with clients in reducing pay off loan. They just love taking away money from your bank and charging huge amount of interest! You feel youre being robbed off and their customer service is useless and supervisors are incompetent ! Way too incompetent! I was trying to pay off my loan one time and they dont offer any discount at all and will drag you to following the payment dates so they can keep stealing money from you for a fraction that you borrowed. Its such a shame! I don't think a business like this wont operate for a while . They're heading to a huge downfall due to a bad business they make . Shame on you, greedy company!!

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Kevin Dampeer
August 29th, 2017

We are under the state of emergency and called these people to defer a payment for 2 weeks. They said they could not help.i will not never get another loan from the people.

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JSF
August 9th, 2017

Uses bait and switch tactics. After first time they called me at work I told them not to call my work again, a month and a half later they called me again, and I didn't even have a loan with them. NOT COOL!

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Maritza R
July 31st, 2017

Did not read this review .. would have helped me . I too did not receive any documentation on terms. They leaped stating it had been emailed and no mail copy can be sent. Called today and not my balance has not lowered. They lied on their terms and what me to pay double of what they loan me. Very disgusting form of doing business.

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J hernandez
June 30th, 2017

They are not upfront with interest rate paid. Told me on phone will repay by June and I haven't to go online to confirm last payment made, turns out I don't finish paying until Aug 2017....I end up paying $2000+ for a $600 loan. Had they told me this I never would have agree. Robbery!!! Should have done my homework first.