Arrow One Lending Watchlist
Iipay Nation of Santa Ysabel · lending since 2013
Arrow One Lending is gone, and its domain is for sale at $3,795. It was never an independent lender anyway: California’s DFPI named it in the same enforcement action as Sierra Lending, and the two shared adjacent PO boxes — 647 and 648 — in Santa Ysabel. If a collector is contacting you about an Arrow One balance, that is the useful fact, because it tells you which operator’s paperwork to demand.
Arrow One Lending at a glance
Watchlist- Owning tribe
- Iipay Nation of Santa Ysabel
- Lending since
- 2013
- Loan amounts
- Never disclosed
- APR range
- Never disclosed
- Product
- installment
- Website
- arrowonelending.com
What an Arrow One Lending loan really costs
No source we could verify ever published Arrow One’s rates or loan sizes, so we do not state them. The numbers on comparison sites have no traceable origin.
The operator’s conduct is better documented than its pricing. Michigan’s Attorney General alleged that borrowers of the affiliated Sierra Lending brand were charged interest above 300% and were blocked from paying their loans off early. Arrow One ran out of the same office, under the same enforcement caption.
If you hold an old Arrow One agreement, the TILA disclosure inside it is the only figure that means anything — and it is worth keeping, because it is evidence of what you were actually charged.
- No longer originating loans
- Defunct — the domain now redirects to a marketplace listing it for sale at $3,795
- BBB rates it F for failing to respond to complaints
- Its APR and loan amounts were never published by any source we could verify
- Named in California DFPI enforcement alongside four sister brands
- No wind-down notice, refund programme or debt cancellation
Where Arrow One Lending lends
No longer originating. State law still governs whether an old balance is collectible — closure does not extinguish a debt, and it does not revive one either.
Does Arrow One Lending report to credit bureaus?
No evidence Arrow One reported to Equifax, Experian or TransUnion, so no borrower built credit here.
A sold-on balance can reach the main bureaus through the collector that bought it.
Collection entries on void or time-barred debts can be disputed with the bureaus.
One operator, two brands, two PO boxes
California’s DFPI enforcement action names "Sierra Financial, LLC, dba Sierra Financial, and Sierra Lending, and Tall Grass Finance, and Iggy Loans, and Arrow One, LLC" together.
The mailing addresses make the relationship concrete: Sierra Financial at PO Box 647, Santa Ysabel; Arrow One at PO Box 648, Santa Ysabel. Adjacent boxes, same town, same enforcement caption, same tribe — the Iipay Nation of Santa Ysabel.
BBB records Arrow One’s business start as 3 January 2013, not the 2021 that circulates online, and rates it F for failing to respond to complaints. That F is the most useful thing on the file: it describes what happened when borrowers tried to get the company’s attention while it still existed.
If a collector contacts you about an Arrow One loan
Do not pay anything to make it stop. A payment can restart the statute of limitations on a debt that may already be unenforceable — the most expensive reflex in debt collection.
Send a written validation request within 30 days of first contact, demanding the original agreement, the full payment history and proof that the collector owns the debt. Chains of sale on defunct tribal brands are frequently incomplete, and a collector who cannot document ownership cannot lawfully collect.
Check your own state first, because it may end the matter outright. In nine states, loans above the rate cap are void — not merely disputable but legally uncollectible, regardless of what the contract said or who holds it now.
One caution: a hyphenated domain resembling this brand’s old address resolves. Do not read a live lookalike domain as evidence the original lender is back, and do not submit an application to it.
Frequently asked questions
Is Arrow One Lending still in business?
No. arrowonelending.com now redirects to a domain marketplace listing the address for sale at $3,795, and BBB rates the company F for failing to respond to complaints. Directory sites still showing it as active are out of date.
Is Arrow One the same company as Sierra Lending?
Effectively yes. California’s DFPI named Arrow One LLC and Sierra Financial LLC’s dbas in one enforcement action, and the two used adjacent PO boxes — 648 and 647 — in Santa Ysabel, California. Both are owned by the Iipay Nation of Santa Ysabel.
Do I still owe money on an Arrow One loan?
Possibly. There was no refund programme or debt cancellation, so old balances may have been sold to collectors. Whether the debt is enforceable depends on your state — in nine states, triple-digit loans are void and nothing is owed. Demand written validation before paying anything.
Is Arrow One Lending a tribal loan?
Yes. Arrow One Lending is a tribal lending brand owned by the Iipay Nation of Santa Ysabel 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 has never published an APR we could source, which is itself a warning sign. Whether the loan is enforceable where you live depends on your state.
Is an Arrow One Lending 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 One Lending 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.