Great Plains Lending Review
Installment Loans from $500 to $2,500
Fast approval • Secure application • No commitment
Great Plains Lending at a Glance
About Great Plains Lending
Great Plains Lending LLC, established in 2009 and operated as a tribal lending entity under the sovereignty of an Oklahoma-based Native American tribe, provides installment loans from $500 to $2,500 to borrowers nationwide. Like other tribal lenders, Great Plains operates outside state lending regulations, allowing them to serve all 50 states including those with payday lending bans.
Great Plains specializes in small installment loans with repayment terms of 6-12 months via automatic bi-weekly or monthly payments. Their average loan is $1,200—ideal for emergencies like car repairs, medical bills, or utility arrears that require more than a typical $500 payday loan can provide.
The application process is fully online and takes about 15 minutes. Great Plains performs a soft credit check that doesn't affect your credit score and focuses on your income and banking history. Most applicants receive a decision within 1 hour, and approved funds are deposited within 1 business day.
With a 7.3/10 rating and 33% approval rate, Great Plains occupies a middle ground in the tribal lending space—more established than newer entrants but smaller in scale than industry leaders. APRs range from 196-400%, which is lower than some tribal lenders but still significantly higher than traditional loans.
Expert Opinion: Recommended with Caution
Great Plains Lending is similar to Plain Green but with slightly higher APRs (up to 400%) and lower maximum loan amounts ($2,500 vs. $3,500). Use Great Plains only if you live in a state where payday lending is banned, need $500-$2,500, and have been declined by state-licensed installment lenders. The 196-400% APRs are expensive. Exhaust cheaper alternatives first: credit unions, payment plans, cash advance apps, or family loans.
Example Loan Cost
Representative example of a typical Great Plains Lending loan:
*This is a representative example only. Your actual APR and costs will depend on your credit profile, loan amount, and state regulations. Always review your loan agreement before accepting.
Pros & Cons of Great Plains Lending
Advantages
- ✓ Available in all 50 states as tribal lender
- ✓ Installment structure (6-12 months) vs. lump-sum payday loans
- ✓ Moderate loan amounts ($500-$2,500) for mid-size emergencies
- ✓ No credit score minimum—bad credit and first-time borrowers accepted
- ✓ Fast approval within 1 hour and next-day funding
- ✓ 100% online process
- ✓ Soft credit check doesn't impact your credit score
Disadvantages
- ✗ High APR range (196-400%)
- ✗ Tribal lender with limited state oversight
- ✗ Maximum loan amount ($2,500) lower than some competitors
- ✗ 33% approval rate means many applicants are declined
- ✗ Does not report to credit bureaus
- ✗ Automatic payment debits can cause overdrafts
How to Apply for a Great Plains Lending Loan
Start Your Application
Visit Great Plains Lending's website or use our comparison tool to submit your application. You'll need basic personal information, employment details, and bank account information.
Get Approved
Great Plains Lending will review your application and make a lending decision within 24 hours. You'll receive notification via email or SMS.
Review & Accept
Carefully review the loan terms, including APR, fees, repayment schedule, and total cost. Only accept if you understand and agree to all terms.
Receive Funds
Once you accept the loan, Great Plains Lending will deposit funds directly into your bank account. Funds typically arrive within 24 to 48 hours.
Frequently Asked Questions
What is the APR for Great Plains Lending loans?
Great Plains' APR ranges from 196% to 400% based on your state, loan amount, and repayment term. For example, a $1,500 loan at 300% APR repaid over 12 months would cost approximately $1,200 in interest.
How fast can I get money from Great Plains Lending?
Most applicants receive approval within 1 hour during business hours. Approved funds are deposited via ACH within 1 business day, often the same day if approved before noon.
Can I get a Great Plains loan with bad credit?
Yes, Great Plains accepts borrowers with bad credit, no credit, or past bankruptcies. They perform a soft credit inquiry and focus on income and banking history rather than credit scores.
Alternatives to Great Plains Lending
While Great Plains Lending is a solid choice, you may also want to consider these alternatives:
- → Credit Union Payday Alternative Loans (PALs) – Lower APRs (28% max) but slower approval
- → Installment Loans – Longer terms (6-24 months) with smaller monthly payments
- → Cash Advance Apps – $50-$250 advances with low/no fees (Earnin, Dave, Brigit)
- → Compare Other Lenders – See all 30 lenders in our network
Ready to Apply with Great Plains Lending?
Get started in minutes. Fast approval, secure application, no commitment.
Apply Now at Great Plains Lending →⚠️ Important Disclosure
High-Cost Loan Warning: Great Plains Lending loans have APRs ranging from 196% to 400%, which is significantly higher than traditional bank loans. These loans are intended for short-term financial needs only and can be expensive if not repaid quickly.
Responsible Borrowing: Only borrow what you can afford to repay on time. Late or missed payments can result in additional fees, collection actions, and damage to your credit score.
Editorial Independence: Credizen.net is a comparison service. We may earn a commission when you click on lender links or apply for a loan through our platform. All reviews and ratings are based on publicly available data and user feedback. Great Plains Lending has not influenced this review.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
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