Northern Star Lending, a brand of the Menominee Indian Tribe of Wisconsin, offers online installment loans. Amounts: $200–$1,500 first loan; up to $5,000 returning. Cost: APR 630%–780% — one of the few tribal lenders that publishes its range; $25 NSF and $25 late fees. It does not serve at least 1 named jurisdictions: DC.
| Product | Online installment loans |
|---|---|
| Amounts | $200–$1,500 first loan; up to $5,000 returning |
| Terms | Fixed payments over a stated span; count not published |
| Published cost | APR 630%–780% — one of the few tribal lenders that publishes its range; $25 NSF and $25 late fees |
| Tribe / owner | Menominee Indian Tribe of Wisconsin |
| Tribal regulator / disputes | None named — tribal dispute hotline listed |
| Status | Active — Rare full APR transparency, useful as the sector benchmark. |
| Official site | www.northernstarlending.com |
As published by the lender (No list; application serves 31 states + DC). Lists change without notice — re-check before applying.
A published rate range is unusually transparent for this sector — use it to benchmark the other offers you collect. Terms allow multiple installments, so compare the sum of all payments against a state-capped payday option and a credit-union PAL before signing.
Disputes with Northern Star Lending route to none named — tribal dispute hotline listed — not to your state attorney general. State regulators in several of the excluded states take the position that their caps should apply anyway; the safest consumer posture is to borrow only what the repayment schedule can absorb without strain.
Disputes route to none named — tribal dispute hotline listed under the loan agreement, not to your state attorney general. Keep the contract and every payment record, escalate in writing through the lender’s dispute process first, then file with the CFPB complaint database — federal complaints against tribal lenders are tracked even when enforcement routes to tribal forums.
Rare full APR transparency, useful as the sector benchmark — that is the published history we verified from public records. For anything newer, check the CFPB complaint database and your state attorney general’s announcements before applying; exclusion lists often harden after enforcement activity.
Northern Star Lending operates under the tribe’s lending code, and the brand asserts sovereign immunity from state rate caps — a position state regulators dispute and courts have split on. The loan you sign is real and enforceable, which is why the total-of-payments line matters more here than anywhere else in this market.
Expect the standard high-cost sequence: NSF or late fees, repeated ACH debits against your account, then collection through the arbitration or tribal-court process named in the agreement rather than your state courts. Some lenders sell delinquencies to collectors. None of it improves your credit — on-time repayment usually is not reported either.
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