Plain Green Personal Loans Review [2021]

This lender offers a variety of products including next day online loans, cash loans, and lines of credit.
Our Rating
Credit Karma

Installment Loan Facts

210% to 438%
Minimum Credit Score
Loan Amount
$500 to $3,000
Minimum Age
18 Years
Loan Term
6 months to 26 months
Time to Funding
1 Day
Origination Fees
Hard Credit Check

Pros and Cons


Opploans Logo
Industry Average
$500 to $3,000
$500 to $5,000
210% to 438%
79% to 299%
Origination Fee
1% to 3%
Minimum Credit Score
Time to Funding
1 Day
1 Day
Hard Credit Check

About Plain Green Loans

Plain Green Loans is a tribally-owned entity. The company is owned by the Chippewa Cree Tribe of Rocky Boy’s Indian Reservation, which is located in Montana. Plain Green was founded in 2011. Since then, the company has helped over one million customers and funded over $1 billion in loans.

Plain Green states that its mission is to provide customers with simple and safe solutions when money is needed most. The company claims to support the “life-interrupted customer,” offering small-scale, short-term loans to individuals who are faced with emergencies or other difficult financial situations.

Plain Green Loans Options

Plain Green Loans offers a few different loan options to customers.

1. Next-Day Online Loans

Plain Green’s next-day online loans provide cash for situations such as emergency medical expenses and home or vehicle repairs. The money you need is deposited into your bank account as soon as the following business day.

2. Installment Loans

Installment loans enable you to borrow the cash you need and then make repayments over a set period. Each payment is the same throughout the term. Your payment schedule is set based on your salary and paydays.

3. Consumer and Unsecured Loans

A consumer loan (also called an unsecured loan) offers an alternative to a loan where you would need to offer up an asset for collateral. The money lent can be used for personal, family, or household needs.

4. Personal Loans with No Fees

Personal loans offer a way to pay for a variety of needs, such as debt consolidation or emergencies. There are no origination fees or prepayment fees for this type of loan.

5. Cash Loans

A cash loan allows you to pay your bills on time, cover an emergency expense, or provide your family with necessities so you don’t have to wait for your next paycheck. Cash loans can help to keep you from falling too far behind on your regular bills.

6. Line of Credit

A line of credit provides you with a reoccurring source of emergency funds. You can use your line of credit (up to the maximum amount) when you need the money and pay the amount back over time. A line of credit can be used over and over again until you decide that you want to close the account.

Plain Green is not a traditional payday lender but does act similarly. Your payment schedule is based upon when you get paid by your job. You do not need to repay the entire amount by your next paycheck, however. The lender will provide you with a specific term length.

Plain Green Loans: Terms and Rates


Plain Green Loans offers short-term loans ranging from 6 months to 26 months. Unlike many other lenders, you do not get to select the length of your loan. Instead, the length of your loan is determined for you. There is no information regarding how the length of your term is decided.


Plain Green Loans offers APRs ranging from 210% to 438%. The APR is not explicitly stated on the site, but the information can be found by using the calculator on the How It Works page.

There is no specific information regarding how the interest rate is calculated, although larger loans (and subsequently longer repayment periods) have lower interest rates. You can pay your loan off sooner than the end of your term to avoid paying more in interest.


Administrative Fees:

Unlike some other lenders, Plain Green Loans does not charge an administrative fee. The amount you are approved for (and accept) is deposited into your bank account.

Late Fees:

If you miss a payment or make a late payment, you may be charged a fee. Information regarding the total of the fee is not readily available on the site. You may also be charged a returned payment fee if you don’t have sufficient money in your bank account to cover the cost of your payment.

Early Payment Fees:

Plain Green Loans does not charge any fees for paying off your loan early. The company states that you can pay off your loan in full at any time during your term without any additional charges.

Loan Amounts

The total you can borrow from Plain Green Loans is small compared to other personal loan lenders. The minimum amount is $500, and first-time borrowers can only borrow up to $1,000. Returning borrowers can borrow a maximum of $3,000.

Time to Funding

As long as your application is approved and verified by 5:45 p.m. EST, you will be able to receive your funds as soon as the following business day.

Plain Green Loans does state that certain factors (such as weekends, holidays, and your bank) can impact the exact time it takes for you to receive your funds. You can also choose to have a check mailed to you, which will take 7 to 10 business days following the approval of your loan application.

Requirements for Plain Green Loans

Plain Green Loans markets to borrowers who do not have very good credit scores and who need money fast. The application process is simple and you can find out quickly if you qualify.


Required Credit Scores

There is no specified minimum credit score to be approved for a loan through Plain Green Loans. Those with poor credit, who cannot qualify for personal loans through traditional lenders or other online lenders, are more likely to qualify here.


The process for finding out if you qualify for a loan through Plain Green is very simple and takes only three steps. First, you need to select the amount you want and how you would like to receive your funding. Then you will need to fill out some personal information, including:

  • Your name
  • Your address
  • Your driver’s license information
  • Your social security number
  • Your birthdate
  • If you rent or own your residence and how long you’ve lived there

You will also be prompted to create an account as well as provide information regarding your military status and how you would prefer to be contacted. Plain Green provides loans for residents of 26 states and in most states, you need to be at least 18 to apply. In Alabama, Nevada, and Virginia, you must be at least 19.

On your last step, you will need to provide information regarding your employment. After submitting your pre-application, a decision will be made. In some cases, you may be contacted for further information before you receive an answer.

Formal Application

In most cases, you will receive a reply regarding your qualifications in a matter of minutes. If you don’t qualify for a loan, you will receive an explanation. If you are conditionally approved for a loan, you will then be asked to select how much you want to borrow. Your final approval is contingent upon the verification of your application information.

There is no information on Plain Green’s website that states whether the lender conducts a hard pull of your credit history. After your final application is approved, the funds will be disbursed into your bank account.

Repaying Your Loan

Payment Due Dates

Your payment due dates are linked to when you get paid by your employer. If you are paid biweekly, you will make biweekly payments. If you are paid once a month, you make monthly payments. Your payments are due on the days that you get paid. You have the option of paying off your loan over several installments or paying off your entire loan all at once. The sooner you pay off your loan, the less you’ll pay in interest.

If you don’t think that you will be able to make your payment, Plain Green recommends that you contact them as soon as possible. The lender will try to work with you. If you don’t or can’t reach an agreement, you may be subject to late fees.

Accepted Methods of Payment

Plain Green deducts your payments from your linked bank account. To help you avoid missing a due date, you can set up automatic payments. You will need to make sure that you have sufficient funds in your bank account to avoid any issues. You can also mail payments either first-class or overnight.

Does Plain Green Loans Report to Credit Bureaus?

Plain Green Loans does report to credit bureaus. So long as you make your payments on time, reporting can help you to rebuild your credit. At the same time, late or missing payments can hurt you.

The Plain Green Customer Experience

Customer Support Information


Monday through Friday, 8 a.m. to 10 p.m. EST

Saturday, 9 a.m. to 5 p.m. EST


(866) 420-7157


(866) 420-7159

Plain Green requests that you include a cover sheet with your contact information

Mailing Address

For Correspondence:

Plain Green Loans

Attn: Customer Support

93 Mack Road, Suite 600

PO Box 270 Box Elder, MT 59521

For the Corporate Office:

Plain Green Loans

93 Mack Road, Suite 600

Box Elder, MT 59521

Customer Feedback

Plain Green Loans is not accredited with the Better Business Bureau. The lender currently holds a B rating.

On Trustpilot, Plain Green Loans has 4.5 out of 5 stars based on over 6,000 reviews. While many state high-interest rates as a reason for complaint, several reviews praise the lender for a smooth, simple loan process.

There are few other customer reviews available for Plain Green Loans. Most of the reviews are located on either the BBB website or on Trustpilot. There are also no reviews directly on Plain Green’s website. The lender cites Trustpilot (where they encourage customers to leave positive or negative reviews) as well as YouTube. By clicking on the YouTube link, you can watch past customers talk about their experiences.


If you need a small amount of money quickly and do not have the credit score to qualify for other types of online loans, Plain Green Loans may be an option for you. The lender can have money deposited into your bank account as quickly as the next business day. Interest rates are on the high side, which can be a deterrent.

Plain Green provides an alternative to traditional payday loans by offering installment loans and allowing you to pay your loan off over time. You can reduce the total amount of interest you pay by paying off your loan before your term is up.