Loans Like Plain Green | 5 Best Plain Green Alternatives in 2021

In almost all cases, financial emergencies are always timely. For instance, if your refrigerator suddenly dies, you’ll not wait for long to purchase another one.

It’s the same case for some dental procedures—like a bad tooth that must be extracted; you’ll need funds urgently whatever the emergency. And this is where payday loans might seem tempting.

We’ll discuss everything about Plain Green loans in this guide and tell you everything you need to know about Plain Green loan options.

Loans Like Plain Green – #1 Alternative: Viva Payday Loans


Loans Like Plain Green

Loan Type Loan Amount Loan Terms  APR Range Loan Fees Customer Support
Viva Payday Loans $100 – $5000 2 – 24 months 5.99% – 35.99% Depends on the lender Yes
Cash Central $300 – $5,000 6 – 24 months 90.38% –  2,463.75% $15 – $540 Yes
Blue Trust Loans $100 – $1000 1 – 9 months 471.78% – 841.45% Yes, check the contract agreement Yes
Fig Loans $50 – $1000 1 – 6 months 35.99% – 211% No  Yes
Lend Up $100 – $500 7 – 31 days  70.6% – 1251.43% Loan fee of up to 25% of the amount borrowed Yes
CashNetUSA $100 – $3,500 6 – 24 months 85.00% – 449.00% Not specified Yes

Best Loans Like Plain Green – Quick-Pick

  1. Viva Payday Loans – Best Overall Payday Loan
  2. Cash Central – Best for Flexible Monthly Repayment Plans
  3. Blue Trust Loans – Best for Lower Rates
  4. Fig Loans – Best for Credit Building
  5. Lend Up – Best for Quick Approval Loans
  6. CashNetUSA – Best for Vast Loan Ranges

What Are Plain Green Loans?

Plain Green, LLC is an ethnic lending company founded by the Chippewa Cree Tribe of Montana’s Rocky Boy’s Indian Reservation. They’ve been in business since 2011 and are a corporation of Atoske Holding Company. 

Presently, the company operates fully online and provides customers with small personal loans that need to be repaid in installments.

Plain Green loans are similar to payday loans when their loan amounts and remarkably high-interest rates. 

Federal Reserve Bank of St. Louis has confirmed that the average rate for paying loans is 391 percent. Using the Plain Green Loan calculator, their interest rate ranges between 210% and 438% and varies with the borrowed amount.

Common Uses of Plain Green Loans

1. Catering for Holiday Expenses

Christmas is often a good time for direct lenders, and throughout this time, parents become restless as they try to buy everything their children want. Payday loans come in handy as they appear to be the least expensive option.

You can quickly get any amount you wish for the holidays and pay the funds off the following year, ideally after saving the money.

It seems reasonable, but parents often borrow a lot more than they can ever afford. They meet their children’s desires, buy them everything they want, and fail to pay off their debts. Birthdays are expensive. 

However, Christmas takes the lead as children believe there is some magic connected with it. And convincing children that you won’t afford some presents is difficult when Santa is supposed to deliver them.   

2. Family Holiday Expenses

Direct lenders make lots of money during Christmas time as this time of the year parents would do anything to get funds to buy their children presents and everything they want. 

Payday loans play a significant role at these desperate moments, with parents snatching this opportunity, taking amounts best suited to them, and trying to clear the loan the following year.  

Parents take loans they can’t afford to give their children everything they want but fail to pay off their debts. Although birthdays are difficult, Christmas is more difficult as children believe a magic component is connected. 

Explaining to a kid why you can’t make their Christmas better is tough.

3. Home Improvements

You might want to refurbish your home or make some home repairs—this would be a problem if you don’t have the funds.

In such a case, consider taking a home equity line of credit or a home equity loan with lower interest rates than personal loans. The home equity loans or line of credit interest can be tax-deductible as long as you’re using the profits from the home loan you took.

However, if you take a loan against your home, with such loans, you’re putting your home at stake, as opposed to personal loans that aren’t guaranteed by your home.

You could decide not to incur the costs of obtaining a home equity loan or home equity line of credit, including paying for a home appraisal and loan closing costs, so getting a personal loan could prove a better option for you.

4. Emergency Expenses

Emergencies occur almost every day, and unfortunately, most people don’t have emergency money, so they’re always unprepared to act as they need cash urgently. While you can save your emergency funds on a credit card, getting a personal loan is much less costly.

Furthermore, unlike credit card debt which can take months or even years to refund if only the minimum payment is made, your loan will be paid back on a set schedule subject to the terms set with your lender. 

Most personal loans have three to five years of loan repayment; therefore, you’ll know how long the debt could last.

Several personal loan lenders have a quick application process to make cash available instantly, so don’t presume that getting money from a personal loan will take too long when an emergency arises.

5. Moving Costs

Relocating can help you save money on housing by getting a better space for your family or enabling you to take advantage of the new career opportunities.

Unfortunately, moving is very costly at times, and moving long-distance can cost tens of thousands of dollars—even local moves are frequently more expensive than most people realize.

If you have to relocate and lack the funds to, a personal loan could come in handy.

How To Qualify For Plain Green (Eligibility Criteria)

  • Applicants must be 18 and 65 years old, with a minimum age of 21 required for specific loan amounts.
  • The lender will specify the minimum level of income required. 
  • Personal loans are available to salary and self-employed individuals, as well as small business professionals.
  • Lenders frequently require a credit score of 650 as a starting point, but if you have other factors in your favor, you can change this to match the lender’s demands.  

Top 5 Plain Green Loans Alternatives – Fully Reviewed

The top 5 Plain Green Loans alternatives have been thoroughly examined for your convenience:

1. Viva Payday Loans – Best Overall Payday Loan

Viva Payday Loans tops our list of the best payday loan portals. Borrowers can access various loan ranges, starting from $200 to $5,000, payable between two and twenty-four months. 

It’s a broker platform with a quick application process – and you can know whether you’re approved for the loan or not. 

If your loan request goes through, you’ll be sent to a direct lender who’ll issue you the requested loan amount. Please note that you’ll still require additional documents (proof of address, bank statements, etc.) for verification before your loan is processed.

Upon submission of the requested documents, the lender will issue you with a loan agreement to go through and sign. 

Note: Your loan will not be processed unless you have read and agreed to the loan terms. Once signed, your loan will be prepared, and a monthly debit will be applied to your account to repay the loan.

Viva Payday Loan’s interest rate varies from one lender to another. Their website lists range between 5.99% and 35.99%. 

Even with bad credit, don’t shy from applying for a payday loan at Viva Payday Loan and get approved. What’s more, the unemployed are also welcome to submit their applications and secure their loans.


  • Payout takes 24 hours or less
  • Flexible loan ranges of between $200 and $5000
  • The quick and straightforward application process in under two minutes


  • It is restricted in some states.

2. Cash Central – Best for Flexible Monthly Repayment Plans

Cash Central is an online loan program that provides installment loans ranging from $300 to $5,000. However, loan amounts vary depending on where you live. You don’t need a perfect credit to be approved—Cash Central promotes its loans as quick solutions to life’s problems.

The lender also offers payday loans and credit lines; however, your location could limit options. The Cash Central is owned by Community Choice Financial, a nationwide financial services firm established in 2011.

Payback terms at Cash Central range from six to twenty-four months—you can make payments biweekly, monthly, or semimonthly.

Cash Central withdraws the money you owe on the required date automatically once you repay the loan. 

If you make loan repayments, your funds will be applied first to any current interest and fees and the loan principal. But if you want an alternative method of paying back your loan, please contact Cash Central.


  • There are several approved companies you can differentiate payday loans with.
  • You’ll find the best fit rate in just a few minutes.
  • You’ll know the amount you are eligible for and your monthly payment.


  • APRs are expensive and pay extra fees
  • Some loans vary with the state

3. Blue Trust Loans – Best for Lower Rates

Blue Trust Loans is a nomadic loan organization owned and managed by the Lac Courte Oreilles Band of Indians. 

If you apply for a loan on a business day, get approved for a loan, and sign the loan agreement before 11:45 A.M ET, you’ll receive the funds the same day. Regular loan takers can earn up to $3,000 while new users are eligible for loans of up to $1,500.

Blue Trust Loans promotes installment loans as an alternative to payday loans as you’re not required to repay the entire loan by your next paycheck, as you would with a traditional payday loan company. 

The loan term is typically nine months, with a payment plan that corresponds to your pay periods, and you make payments depending on when you get paid. 

Blue Trust Loans’ headquarter is located in Wisconsin, though the company doesn’t have a business license there. As a tribal lender, Blue Trust Loans only follows the laws and regulations of a sovereign Native American tribe, the Lac Courte Oreilles Band (originates from Lake Superior Chippewa Indians?.

Due to their tribal affiliation, they qualify for tribal immunity, which exempts them from civil suits. They take advantage of that loophole and charge high-interest rates of the maximum state limits. In comparison, states that implement an interest rate cap use 36% APR, while Blue Trust Loans rates start at 472% APR.


  • Loyalty initiative with future loan discounts if you pay your loans in full and on time
  • Immediate financing even if you apply online.
  • Can agree on a repayment duration of up to six months.
  • Users with good reputations are credited with lower rates.


  • Not accessible in some states
  • Exorbitant fees, resulting in outrageously high APRs

4. Fig Loans – Best for Credit Building

Fig Loans should be at the top of your priorities if you’re looking for medium-sized installment loans. This payday portal aims at fulfilling the needs of borrowers who’d want to address their financial constraints. 

In other words, Fig Loans offers borrowers fast loans to take care of emergencies, such as car accidents, home improvement, medical bills, etc.  

Besides offering fast loans to sort out financial difficulties, Fig Loans also provides loans to people who’d want to build their credit scores and qualify for more lucrative loans. These loans are an excellent choice if you’re looking forward to making your credit records. 

You’ll be rendered the amount at the end of the year and with an interest rate lower than 4 percent, according to Fig Loans. Making timely payments means your credit score will improve. 

Schedule your payments if you get a credit-building loan. And while credit-building and emergency loans look lucrative, only make sure to use them under minimal circumstances. 

If you’re wondering whether Fig Loans is safe, yes, it is. This payday portal is regulated by some of the most reputable bureaus – TransUnion, Equifax, and Experian. 

Fig Loans is also very straightforward in the amounts of loans people can access. And while these small payday loans might not suit many, they come in handy for most people who may have financial emergencies from time to time. 

Getting a loan from Fig Loans comes with some consequences, though. For example, you’ll have to bear the triple-digit APR charge. Therefore, you need to make sure you need the loan before diving into it. 


  • An excellent choice if you want to build a credit score
  • Fig Loans doesn’t charge prepayment fines


  • Card payments will incur fees

5. LendUp – Best for Quick Approval Loans

LendUp loans are high-interest, short-term loans for people who don’t have any other alternatives. And since LendUp doesn’t conduct credit checks, their loans are simple to qualify for, though they’re more expensive than other loan options available. 

LendUp loans are just a few hundred dollars in size, and the amount to borrow varies by state.

Aside from the easy approval, the only real benefit of LendUp loans is funded in two business days. As a result, people should look into other lending options, primarily since LendUp only works in seven states.

The LendUp application process is quick, with instant feedback. You must have a checking account to apply for a loan—this account must also accept ACH transfers as Lend Up will deposit funds into the checking account as soon as the next business day once you’re approved for a loan. Sadly, you can’t apply for this loan with a savings account or a prepaid debit card.

LendUp will deduct the money directly from your checking account; however, if you decide on it. Early loan repayment, you can do so via MoneyGram, a debit card, or a check.


  • The Lend Up loan procedure is fast, and you get feedback in a few minutes
  • LendUp deposits funds in your checking account the next business day once you qualify for the loan.
  • No imposed prepayment penalties
  • On the due date, the amount is deducted from your checking account.


  • It’s not an excellent choice for credit building as it doesn’t report to the credit bureaus.
  • New LendUp users can borrow less because they start at the bottom of the Ladder. For first-time borrowers, loan amounts are more limited and as low as $100.

6. CashNetUSA – Best for Vast Loan Ranges

CashNetUSA is an online lender that offers a range of loans based on your location, including installment loans, payday loans, and lines of credit. 

Loan amounts vary by state, but payday loans typically range from $100 to $600, whereas installment loans and lines of credit begin at $100 and $3,500.

CashNetUSA loans can be processed in only 29 states. The nature of the loan you’re eligible for vary depending on where you live, so visit CashNetUSA’s website for more details.

CashNetUSA Loans frequently have higher APRs than other personal loan providers. Depending on the loan type and residence, your APR could range from the low to high triple digits.

The National Consumer Law Center has estimated the maximum acceptable interest rate to be 36%.

CashNetUSA charges a fee for money borrowed. Your residence determines the loan costs, including the terms of repayment. Overall, you can expect to pay a fixed price and a payback due date that is usually as soon as your next paycheck.

If you need money fast, a CashNetUSA short-term loan or line of credit could be a better option than a title loan.

Title loans are risky because they require your car as leverage, and the lender has the right to seize your vehicle if you fail to make payments as specified in your loan agreement.


  • You receive the cash once you’re approved.
  • Can qualify without credit or no credit problems.
  • They’re easy to apply and
  • Offer several short-term lending options.


  • Have high-interest rates
  • Charges depend on your location.

Features of Viva Payday Loans

  • These are small-amount loans, and the payday lenders impose various loan-size restrictions. The loan limit is $20,000, though it can be slightly higher or lower.
  • A payday loan is often repaid in full on the borrower’s next pay date or when additional income becomes available, such as a pension or Social Security. The loan must be repaid within 2-4 weeks of the date offered, as specified in the payday loan contract.
  • To repay the loan, you must either write a post-dated check for the total amount, plus fees, or authorize the lender to withdraw funds automatically from your bank, credit union, or prepaid card account. 
  • If you don’t repay the loan by the due date, the lender may cash the check or electronically deduct funds from your account.
  • Payday loan companies don’t consider your ability to repay while also meeting your other financial obligations.
  • The loan can be paid in cash or by check, deposited electronically into your account, or loaded onto a prepaid debit card.

How to Get Loans Like Plain Green

Here’s how to apply for and get Plain Green loans from Viva Payday Loans:

Step 1: Visit Viva Payday Loans

The first step is to visit To jumpstart the application process, click the “Apply Now” button in the upper right corner of the screen.

Step 2: Complete The Application Form

As part of the application process, you must fill out an online form with your name, monthly expenses, and income.

Step 3: Get Your Decision

After completing the form, wait for the approval. It takes about 2 minutes for the loan to be approved. And if your application is denied, you’ll be notified via email.

Step 4: Receive Your Loan

You’re required to sign a loan contract if your loan application is approved. You must read the loan agreement’s terms and conditions before signing. And the funds will be wired directly into your account within 24 hours of submitting the signed loan agreement.

Request Your Loan at our Top Rated Provider – Viva Payday Loans



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About Denzil Otieno PRO INVESTOR

A procurement graduate. Young business owner. A smart business investor.