Greenline Loans states available: the full 50-state guide
Greenline Loans operates in most US states but is restricted or unavailable in those with the strongest anti-tribal-lending enforcement or statutory APR caps that tribal lenders have chosen not to challenge. This page shows the current status for every US state and territory.
Verification
State availability for tribal lenders can shift as litigation and regulatory action evolve. The authoritative source is the application form itself — enter your state and ZIP to see current eligibility. Use this table as a planning reference, not as a guarantee.
Availability map
Selected state
Texas
Available
Open for new applications. Loan amounts and APR can still vary by state.
Full 50-state tableStates where Greenline Loans typically does not operate
These states have either a hard statutory ban on tribal lending, aggressive AG enforcement, or usury caps that make tribal product offerings commercially impractical:
- Connecticut — Active state AG enforcement against tribal lenders
- Georgia — Payday lending statute enforced against tribal entities
- Maryland — Consumer Loan Law caps and licensing requirements
- Minnesota — Dept of Commerce enforcement history
- New York — Most aggressive state AG and DFS enforcement in the country
- North Carolina — Statutory 36% APR cap on consumer loans
- Pennsylvania — Historic AG litigation against tribal lenders
- Vermont — Enforcement focus on online lenders operating in state
- Virginia — 36% APR cap enacted 2020, enforced against tribal lenders
- West Virginia — AG enforcement history
- Wisconsin — Despite being Greenline's own tribal headquarters state, Greenline typically does not lend to Wisconsin residents
Territories: Puerto Rico is explicitly excluded. US Virgin Islands, Guam, and American Samoa are not served.
States where Greenline Loans typically operates
The following states permit Greenline Loans products either explicitly or by not actively restricting tribal lending to consumer borrowers. Terms, maximum loan amounts, and APR may still vary by state:
| State | Status | Notes |
|---|---|---|
| Alabama | Available | 18+ (19+ for some products) |
| Alaska | Available | — |
| Arizona | Limited | Some tribal lenders restricted; verify |
| Arkansas | Limited | Arkansas has 17% rate cap; tribal availability varies |
| California | Available | — |
| Colorado | Limited | 36% APR cap applies to in-state lenders |
| Connecticut | Not available | Active AG enforcement |
| Delaware | Available | — |
| Florida | Available | — |
| Georgia | Not available | Statutory restriction |
| Hawaii | Available | — |
| Idaho | Available | — |
| Illinois | Limited | Predatory Loan Prevention Act (36% cap) |
| Indiana | Available | — |
| Iowa | Available | — |
| Kansas | Available | — |
| Kentucky | Available | — |
| Louisiana | Available | — |
| Maine | Limited | 30% consumer loan cap; tribal availability varies |
| Maryland | Not available | Licensing restriction |
| Massachusetts | Limited | 23% APR cap on small loans |
| Michigan | Available | — |
| Minnesota | Not available | Dept of Commerce enforcement |
| Mississippi | Available | 21+ required |
| Missouri | Available | — |
| Montana | Limited | 36% APR cap (2010 initiative) |
| Nebraska | Available | 19+ required; 36% cap applies to in-state |
| Nevada | Available | — |
| New Hampshire | Limited | 36% APR cap |
| New Jersey | Limited | 30% criminal usury cap |
| New Mexico | Limited | 36% APR cap (2023) |
| New York | Not available | DFS enforcement, 25% criminal usury cap |
| North Carolina | Not available | 36% cap, AG enforcement |
| North Dakota | Available | — |
| Ohio | Limited | Short-Term Loan Act restrictions |
| Oklahoma | Available | — |
| Oregon | Limited | 36% APR cap on consumer finance loans |
| Pennsylvania | Not available | AG litigation history |
| Rhode Island | Available | — |
| South Carolina | Limited | Some tribal lenders have exited; verify |
| South Dakota | Limited | 36% APR cap (2016 initiative) |
| Tennessee | Available | — |
| Texas | Available | — |
| Utah | Available | — |
| Vermont | Not available | AG enforcement |
| Virginia | Not available | 36% APR cap (2020) |
| Washington | Limited | Small-loan statute restrictions |
| West Virginia | Not available | AG enforcement history |
| Wisconsin | Not available | Tribal headquarters state; typically not served |
| Wyoming | Available | — |
If your state isn't served
If Greenline Loans doesn't lend in your state, you have three realistic alternatives:
- Other tribal lenders: Different tribal lenders serve different state lists. Spotloan, Plain Green, MaxLend, and Big Picture Loans each operate in different combinations of restricted states.
- State-licensed subprime lenders: OppLoans, OneMain Financial, Rise Credit, NetCredit, and Avant lend to borrowers with lower credit scores at APR often below 100% — fully subject to your state's protections.
- Cash advance apps: EarnIn, Dave, Brigit, MoneyLion, and Chime SpotMe provide small advances with no interest and typically no credit check. Not loans in the legal sense, so state usury law doesn't apply, and the structure usually costs you nothing or a small flat subscription fee.