Plain Green Review
Line of Credit from $500 to $3,500
Fast approval • Secure application • No commitment
Plain Green at a Glance
About Plain Green
Plain Green LLC, founded in 2011 and operated as a tribal lending entity under the sovereignty of the Chippewa Cree Tribe of the Rocky Boy's Indian Reservation in Montana, offers revolving lines of credit from $500 to $3,500 to borrowers across the United States. As a tribal lender, Plain Green is not subject to state lending laws, allowing them to operate in all 50 states including those where payday lending is banned.
Unlike traditional payday loans that require full repayment in 2-4 weeks, Plain Green provides a revolving credit line with repayment terms of 6-12 months via automatic bi-weekly payments. You can borrow, repay, and borrow again up to your credit limit without reapplying—similar to a credit card but with much higher APRs.
Plain Green's application process is 100% online and takes about 10 minutes. Approval decisions are typically made within 1 hour, and funds are deposited into your bank account within 1 business day. There's no credit score requirement, making Plain Green accessible to first-time borrowers and those with poor credit.
With a 7.1/10 rating and 30% approval rate, Plain Green fills a niche for borrowers in states where payday lending is prohibited and who need $1,000-$3,500 with installment flexibility. However, APRs range from 200-375%, and as a tribal lender, Plain Green operates with limited state regulatory oversight. They're best suited for emergencies when state-licensed lenders have declined you and you need more time to repay than a traditional payday loan allows.
Expert Opinion: Recommended with Caution
Plain Green is an option for borrowers in states where payday lending is banned (New York, Pennsylvania, Connecticut, etc.) who need $1,000-$3,500 with installment flexibility. The revolving line of credit is more flexible than single-use loans. However, the 200-375% APRs are very expensive, and tribal lender status means limited regulatory protections. We recommend Plain Green only if you've been declined by state-licensed lenders like MoneyLion or CashCall. Before using Plain Green, try credit union payday alternative loans (28% APR max), cash advance apps (Earnin, Dave—0% APR), or payment plans with creditors.
Example Loan Cost
Representative example of a typical Plain Green 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 Plain Green
Advantages
- ✓ Available in all 50 states (tribal lender status)
- ✓ Revolving line of credit—borrow repeatedly up to your limit
- ✓ No credit score requirement—accepts bad credit and first-time borrowers
- ✓ Bi-weekly payments (6-12 months) instead of lump sum in 2 weeks
- ✓ Fast approval within 1 hour and next-day funding
- ✓ 100% online application—no store visits required
- ✓ Higher loan amounts ($500-$3,500) than traditional payday loans
Disadvantages
- ✗ High APR range (200-375%)
- ✗ Tribal lender with limited state consumer protections
- ✗ 30% approval rate is lower than many competitors
- ✗ Does not report to credit bureaus—no credit-building benefit
- ✗ Bi-weekly automatic debits can cause overdrafts
- ✗ Late fees and NSF charges add to costs
How to Apply for a Plain Green Loan
Start Your Application
Visit Plain Green'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
Plain Green 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, Plain Green will deposit funds directly into your bank account. Funds typically arrive within 24 to 48 hours.
Frequently Asked Questions
How does Plain Green's revolving line of credit work?
Once approved, you receive a credit line up to $3,500. You can borrow any amount up to your limit (minimum $500), repay via bi-weekly automatic payments over 6-12 months, and borrow again as you pay down the balance—similar to a credit card. APR is charged only on your outstanding balance. For example, if you have a $2,000 limit and borrow $1,000, you only pay interest on the $1,000 borrowed.
What is the APR for Plain Green loans?
Plain Green's APR ranges from 200% to 375% depending on your state and credit profile. For example, a $2,000 line of credit at 290% APR repaid over 12 months via bi-weekly payments would cost approximately $1,800 in interest—nearly the borrowed amount. These rates are high but lower than many payday lenders (400-600% APR).
Is Plain Green available in my state?
Yes, Plain Green operates in all 50 states as a tribal lender. However, loan amounts and terms may vary slightly by state due to tribal lending agreements.
Alternatives to Plain Green
While Plain Green 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 Plain Green?
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Apply Now at Plain Green →⚠️ Important Disclosure
High-Cost Loan Warning: Plain Green loans have APRs ranging from 200% to 375%, 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. Plain Green has not influenced this review.
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
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