Lendumo vs Bright Lending
Both are tribal installment lenders charging triple-digit APRs, so this is not a contest of good options — it is about which is less expensive and less risky. On our methodology they land within 0.1 of each other — effectively a tie.
| Feature | Lendumo | Bright Lending |
|---|---|---|
| Our score (/10) | 2.8 | 2.7 |
| APR range | 400–800% | 400–800% |
| Loan amounts | $100–$2,500 | $300–$2,000 |
| Product | installment | installment |
| Owning tribe | Lac du Flambeau Band | Fort Belknap Indian Community |
| Lending since | 2020 | 2014 |
Pick Lendumo if…
- Larger loans available (up to $2,500)
- Higher overall score (2.8 vs 2.7)
Our take on each
Lendumo
Court filings allege the Lac du Flambeau tribe keeps only 1–3% of Lendumo's lending revenue while a non-tribal company runs the operation. Lendumo is also the rebranded Amplify Funding.
Bright Lending
Bright Lending won't lend in its own home state of Montana — or any of the states that enforce rate caps hardest. It exports up-to-725% loans everywhere else.
Before choosing either, price a cheaper option.
Both loans are last-resort products. A credit-union Payday Alternative Loan is capped at 28%
APR, and cash-advance apps cost a fraction of a triple-digit tribal loan. If you already have
one of these loans, see our guide to getting
out.