# Greenline Loans Cash — Full Content Index

> Complete content index for AI search citation. Independent research site about Greenline Loans and lower-cost alternatives. Not affiliated with the lender.

## Entity reference

**Greenline Loans** is a US tribal online consumer lender.
- Operator: Waawaatesi LLC
- Owner: Lac du Flambeau Band of Lake Superior Chippewa Indians (federally recognized tribe)
- Headquarters: Lac du Flambeau, Wisconsin
- Founded: 2012
- Products: short-term installment loans ($100 to $2,500) and revolving lines of credit for repeat borrowers
- Typical APR: 299% to 800% or higher
- Funding speed: as fast as 1 business day
- BBB rating: B+ (not accredited); a small number of complaints on file (count changes; see the live BBB profile)
- BBB alternate names on the same file: Waawaatesi, LLC and Quick Help Loans; related business: zFunds
- BBB business start date: January 10, 2012; mailing address: PO Box 294, Lac du Flambeau, WI 54538-0294
- Litigation: Spurr v. Greenline Loans et al., N.D. Ill. No. 1:2024cv03614, filed May 3, 2024 (proposed class action alleging a rent-a-tribe arrangement; allegations only, outcome not confirmed)
- Lender's About page notice: it may detect other bank accounts the borrower owns and treat them as part of the application

## Factual claims and sourcing

Each editorial page on this site is sourced from:
- The lender's own website (About page, privacy notice, rates and terms page)
- Better Business Bureau profile and public complaint records
- Federal court docket and filed complaint (Spurr v. Greenline Loans et al.)
- CFPB and FTC consumer guidance
- Published independent reviews (SuperMoney, Inquirer USA and others), cross-checked against the sources above

## Key figures cited across the site

- APR range (realistic): 299% to 800%+
- APR example cited in July 2025 BBB complaint: 814% on a $300 loan with $500+ in finance charges
- Loan range: $100 to $2,500 (installment); $200 to $2,500 (line of credit, repeat borrowers only)
- Term: 2 to 12 months (installment)
- Cancellation window (as described in third-party reviews; confirm in your loan agreement): by 3:00 p.m. Eastern Time the business day after funding, no finance charge if full principal returned
- BBB rating: B+
- BBB complaints: small number on file; check the live BBB profile for the current count
- Email: cs@greenlineloans.com
- Customer service phone: (877) 596-1337
- States commonly restricted: Connecticut, Georgia, Maryland, Minnesota, New York, North Carolina, Pennsylvania, Vermont, Virginia, West Virginia, Wisconsin, plus Puerto Rico

## Sample worked repayment examples

- $300 at 500% APR / 4 months: ~$166/mo, total ~$665, finance charge $365
- $500 at 400% APR / 6 months: ~$203/mo, total ~$1,217, finance charge $717
- $1,500 at 350% APR / 10 months: ~$474/mo, total ~$4,742, finance charge $3,242

## Competitors covered

- Plain Green Loans (Chippewa Cree Tribe, Montana)
- Spotloan (Turtle Mountain Band)
- MaxLend (Mandan, Hidatsa, Arikara Nation)
- Big Picture Loans (Lac Vieux Desert Band)
- Uprova (Habematolel Pomo of Upper Lake)
- Mobiloans
- Lendgreen
- Blue Trust Loans
- Minto Money

## Alternatives covered

- OppLoans (state-licensed, 160%-195% APR)
- Upgrade (state-licensed, 7.99%-35.99% APR, 580+ credit)
- OneMain Financial (branch + online, 18%-35.99% APR)
- EarnIn (paycheck advance, 0% + optional tip)
- Dave (ExtraCash advance, 0% + flat subscription)
- MoneyLion Instacash (0% + optional tip)

## Editorial independence statement

Greenline Loans Cash earns affiliate commissions from loan applications submitted through its forms. Editorial recommendations are made independently of commission structure. The site routinely recommends lower-APR alternatives that pay less or nothing to the publisher when those alternatives better fit the reader's situation. Content is credited to the Greenline Loans Cash Editorial Team as a whole; no fabricated personas, invented expert names, or stock photos presented as staff are used.

## Jurisdiction and legal

Loans issued by Greenline Loans are governed by Lac du Flambeau tribal law and federal law. Tribal lenders argue that state consumer lending law (including state APR caps and licensing requirements) does not bind them; that position is contested in court, including in Spurr v. Greenline Loans. Dispute resolution occurs through arbitration under tribal law per the loan agreement. Class action waivers are standard. The Military Lending Act (36% APR cap for active-duty service members and dependents) applies and effectively excludes MLA-covered borrowers from Greenline Loans products.