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Are these tribal lenders legal in Arizona?

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I would like to know if the following lenders are legal in the State of Arizona (instinct tells me "no", as they are all online tribal lenders)

Cash Aisle (Niibin LLC)
BridgeLending (Biboon LLC)
Evergreen (Opichi LLC)
Zocaloans (Rosebud Lending)
Brightlending (Aaniiih Nakoda Finance)

I have only recently become aware that AZ state laws prevent consumer loans in excess of 36% APR, so was looking into my options if these are, in fact, unlicensed lenders for Arizona.




You have already answered your questions. They are all online tribal lenders. So, all of them are illegal in your state. In this case, you have to pay only the principal amount. There is no need to pay interest or finance charges or anything else. Just revoke the ACH authorization as soon as possible.

Sub: #1 posted on Fri, 11/22/2019 - 03:04

Nick Jonas Nick Jonas

(Posts: 425 | Credits: )

Since they are not legal, you just need to pay the principal amount. If you have paid, the revoke the ACH authorization

Sub: #2 posted on Fri, 11/22/2019 - 05:00

Sanders Patricia Sanders Patricia

(Posts: 1234 | Credits: )

You guys are awesome. I appreciate the validation. I have already established a new bank account (with a different bank) and will do my revocations on Monday.

Has anyone successfully gotten their overpayments refunded?

Sub: #3 posted on Fri, 11/22/2019 - 07:37

Marie Braden Marie Braden

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This is a tricky part. Once your money is gone, it takes a lot of time and effort to get a refund. In most cases, lenders agree to mark the status as paid in full. But they don't agree to give a refund easily. You have to follow-up with them with a lot of patience.

Sub: #4 posted on Mon, 11/25/2019 - 20:39

Nick Jonas Nick Jonas

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