WithU Loans vs Uprova
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. Uprova scores higher (3.4 vs 2.9), but the right pick depends on what you need.
| Feature | WithU Loans | Uprova |
|---|---|---|
| Our score (/10) | 2.9 | 3.4 |
| APR range | 476–570% (documented) | 334–549% (documented) |
| Loan amounts | $200–$2,500 | $300–$5,000 |
| Product | installment | installment |
| Owning tribe | Otoe-Missouria Tribe | Habematolel Pomo of Upper Lake |
| Lending since | 2019 | 2020 |
Pick WithU Loans if…
- Longer track record (lending since 2019)
Skip WithU Loans if…
- You live in a state it does not lend to: Arkansas, Connecticut, Georgia, Maryland and 7 more.
- You want to see the APR before you apply — it publishes none; the rate appears only in the agreement.
Pick Uprova if…
- Lower maximum APR (549% vs 570%)
- Larger loans available (up to $5,000)
- Higher overall score (3.4 vs 2.9)
Skip Uprova if…
- You want to see the APR before you apply — it publishes none; the rate appears only in the agreement.
Our take on each
WithU Loans
A federal appeals court threw out WithU Loans' arbitration clause in 2026 because it pointed to tribal law that did not yet exist — and the company claimed the right to invent it. That tells you how the structure works.
Uprova
Uprova advertises a 34.5–35.99% APR on its homepage, then discloses rates of 333–549% in the loan agreements on record. That gap is the whole story.
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.