Arrow Funding Group Active
Big Valley Band of Pomo Indians (unverified) · lending since 2017
Arrow Funding Group says its APR "can range between 36% and 732%" — and then publishes no representative example, no rates-and-terms page, and no way to know where inside that twenty-fold spread you land until you have signed. A range that wide is not a disclosure. It is also one of the few tribal lenders that will lend in its own tribe’s home state, which makes it more interesting than its F-rated BBB file suggests.
Arrow Funding Group at a glance
Active- Owning tribe
- Big Valley Band of Pomo Indians (unverified)
- Lending since
- 2017
- Loan amounts
- $1,000–$2,500
- APR range
- 36–732%
- Product
- installment
- Website
- arrowfundinggroup.com
What an Arrow Funding Group loan really costs
The number to focus on is not 36% and it is not 732%. It is the gap between them.
A quoted floor of 36% is legally convenient: it is exactly the cap that most consumer-protection statutes use, so the range technically begins at a lawful rate.
Whether any borrower has ever received 36% from Arrow Funding Group is unknowable, because the company publishes no representative example — the one document that would show a real amount, a real payment schedule and a real finance charge.
Every serious lender in this category publishes one. EnableLoans discloses 897.4762% on a worked $500 example. Bison Green shows $200 costing $460.41. Those numbers are ugly, but they are checkable before you apply. Arrow Funding Group has no rates page at all.
So the honest statement of cost is this: we do not know what an Arrow Funding Group loan costs, and neither will you until the TILA disclosure appears in your loan agreement. Read that number before you sign, because it is the first time you will see it.
The terms that are disclosed are genuinely better than average — no prepayment penalty, and a one-time late-fee waiver for borrowers with a clean record. If your APR lands near the top of that range, prepayment is the only thing that will save you real money.
- Loans can be repaid at any time without penalty, in the lender’s own words
- Offers a one-time late-fee waiver for borrowers with a good payment history
- Unlike almost every peer, it does lend in California, its own tribe’s home state
- Returning borrowers can access up to $2,500
- A stated APR range of 36% to 732% — a twenty-fold spread that tells you nothing about your actual price
- No representative example and no rates-and-terms page anywhere on the site
- BBB rates it F, with 4 of its 9 complaints left unanswered
- Its tribal affiliation is probable but not confirmed by any regulator or court document
Where Arrow Funding Group lends
California is absent from the exclusion list — Arrow Funding Group lends in its own tribe’s home state. That is the opposite of the usual posture: most tribal lenders, including EnableLoans and Bison Green, refuse to lend where their own tribe is based, because that state’s rate cap would apply most awkwardly there.
By its own terms, Arrow Funding Group does not lend to residents of:
Does Arrow Funding Group report to credit bureaus?
The company says it verifies applicants through Experian, Equifax, TransUnion, Clarity, DataX and FactorTrust.
Its FAQ claims it reports payment history but does not distinguish between pulling a file and furnishing to one — we could not verify that it reports to the big three, so do not count on building credit here.
A defaulted balance can reach the main bureaus via a collector regardless.
Who owns it — and why we say "probable"
Arrow Funding Group is widely described as a Big Valley Band of Pomo Indians brand, and the circumstantial case is decent: its BBB address is 2770 Mission Rancheria Road in Lakeport, California — on Big Valley Rancheria land, in the same building as Condor Credit (#747), Credit Cube (#180) and Little Lake Lending (#393). Arrow Funding Group is #633.
But the confirmation that should exist does not. Washington’s DFI published an alert naming the Big Valley Band’s lending operation and listed Kali LLC (Condor Credit, Credit Cube) and Layma LLC (Little Lake Lending) by name. Arrow Funding Group is not in it. No court filing we could find names it either.
We flag this because the tribal claim is the whole legal foundation of these loans. Elsewhere in this industry we have found ownership claims — Big Eye Lending’s, for instance — that turned out to trace to nothing but affiliate copy.
So we record the Big Valley link as probable, not confirmed, and we will publish a primary source the moment one exists.
The related family does face litigation: Armstrong v. Credit Cube (M.D.N.C. 1:25-cv-00916), Long v. Layma, LLC (N.D. Ill. 1:22-cv-04365), Stoicescu v. Layma (N.D. Ill. 1:23-cv-14387) and Corbin v. Layma (N.D. Ill. 1:24-cv-04646).
What the F rating actually reflects
BBB rates Arrow Funding Group F, with 9 complaints of which 4 went unanswered. On raw volume that is a small file — Post Lake Lending has 192 complaints, and the Wakpamni family shares 122.
The F is not about volume. It is about the four unanswered ones. A rating collapses when a business does not respond, regardless of how few complaints it has, and non-response is a meaningful signal: it tells you what is likely to happen if you have a dispute and no leverage.
Read this in the opposite direction from a lender like Buffalo Lake, which holds an A with 13 complaints. Same order of magnitude in volume, completely different posture toward the people complaining.
What Arrow Funding Group costs in dollars
Arrow Funding Group's published ceiling is 732% APR. Below is what that rate does to the amounts it actually lends, repaid over 12 monthly payments.
| You borrow | Monthly | Total repaid | Interest |
|---|---|---|---|
| $1,000 | $612 | $7,344 | $6,344 |
| $1,800 | $1,102 | $13,220 | $11,420 |
| $2,500 | $1,530 | $18,361 | $15,861 |
At 732%, a $1,000 balance accrues about $610 in interest every month. Any payment below that figure leaves you owing more than you started with, however long you pay.
Standard amortisation at the published ceiling rate; fees are not included, and your actual rate and term may differ. Run your own numbers in the payoff calculator.
Frequently asked questions
What APR does Arrow Funding Group actually charge?
Its FAQ states the APR "can range between 36% and 732%", and the company publishes no representative example and no rates-and-terms page. Where you land inside that range is not disclosed until you receive your loan agreement — check the TILA disclosure in it before signing.
How much can I borrow?
Up to $1,000 as a new borrower, and up to $2,500 as a returning one. Loans can be repaid at any time without penalty.
Is Arrow Funding Group owned by the Big Valley Band of Pomo Indians?
Probably, but it is not confirmed. Its BBB address is on Big Valley Rancheria land in the same building as Condor Credit, Credit Cube and Little Lake Lending — yet Washington DFI’s alert on Big Valley lending names those brands and not Arrow Funding Group, and no court filing we found names it either. We treat the link as probable rather than established.
Is Arrow Funding Group a tribal loan?
Yes. Arrow Funding Group is a tribal lending brand owned by the Big Valley Band of Pomo Indians in CA. That means it lends under tribal law and claims sovereign immunity from your state's interest-rate cap, rather than holding a state lending licence. It is also why its APR reaches 36–732% — far above the roughly 36% cap most states set for small loans. Whether the loan is enforceable where you live depends on your state.
What does an Arrow Funding Group loan cost?
Arrow Funding Group lends $1,000–$2,500 at 36–732% APR. At those rates the total repaid is typically several times the amount borrowed, because interest is front-loaded — check the total of payments, not the monthly figure.
Is an Arrow Funding Group loan legal in my state?
It depends entirely on your state. High-cost tribal loans are effectively banned in nine states, where a loan above the rate cap can be void and not legally collectible, and restricted in many more. Arrow Funding Group claims tribal sovereign immunity from those caps — an argument courts have accepted in some cases and rejected in others. Check your state before you borrow, and especially before you pay a collector.
How this site works
We are an independent registry — not a lender, not a broker and not a lead generator. This lender did not pay to appear here and cannot pay to change what the review says. We take no money from any lender and sell no applications.
Entries are built from the lender's own published disclosures, tribal corporate and lending-authority records, federal and state court filings, and CFPB, FTC and state regulator actions. Of the 143 brands in the full list of tribal lenders, 41 are confirmed lending, 74 sit on a watchlist pending verification, and 28 have shut down. Where a figure cannot be sourced we leave it blank rather than estimate it — which is why some entries are deliberately incomplete.
Read how we score lenders and our editorial standards.