Blue Mountain Loans Active
Kashia Band of Pomo Indians · lending since 2020
Blue Mountain Loans also trades as 'Loan Spot,' and it furnishes your data to five separate alternative credit bureaus — an unusually wide net for a lender charging up to 660% APR.
Blue Mountain Loans at a glance
Active- Owning tribe
- Kashia Band of Pomo Indians
- Lending since
- 2020
- Loan amounts
- $100–$1,200
- APR range
- 400–660%
- Product
- installment
- Website
- bluemountainloans.com
What a Blue Mountain Loans loan really costs
Blue Mountain Loans lends $100–$1,200 over 4–12 months at APRs up to about 660%, with documented individual loans over 500%. The fees are embedded in that rate rather than itemized.
The recurring borrower complaint is the familiar one for this tier: the balance barely falls despite months of payments, and the company is slow to respond to disputes.
- Next-day funding.
- Smaller loan sizes limit how deep you can go.
- APR up to ~660%, with documented loans over 500%.
- BBB "F" with essentially all-negative reviews.
- Under investigation for a rent-a-tribe class action.
- Furnishes your data to five alternative bureaus.
Where Blue Mountain Loans lends
Blue Mountain also excludes the District of Columbia — a broader exclusion set than many tribal peers — and Washington's DFI has flagged it as unlicensed.
By its own terms, Blue Mountain Loans does not lend to residents of:
Does Blue Mountain Loans report to credit bureaus?
Blue Mountain does not build credit in the traditional sense, but it casts an unusually wide net across the specialty bureaus. Its own FAQ says: "Your information may be submitted to credit bureaus such as Teletrack, CL Verify, FactorTrust, Clarity or DataX."
Read that list again — every name on it is a specialty bureau, and not one of the big three appears. That is the whole trade in a sentence: five separate records of your borrowing, none of which a mortgage lender will ever see.
Repay perfectly and your credit score does not move; default and a collector can put it on the files that do count.
Who actually owns and runs Blue Mountain Loans
Blue Mountain Loans is a brand of 'Loan Spot,' a wholly owned subsidiary of Kashia Services, an economic arm of the Kashia Band of Pomo Indians of the Stewarts Point Rancheria in California. The alleged non-tribal operator controlling marketing, underwriting and servicing has not been publicly named.
Investigation and regulatory alert
The consumer firm Kelly Guzzo, PLC is investigating a class action against 'Loan Spot d/b/a Blue Mountain Loans,' alleging an illegal rent-a-tribe scheme with rates over 500%; no case name has been filed yet (2024–2025). Washington's DFI has issued a consumer alert that the Kashia Band lender is not licensed in the state.
What Blue Mountain Loans costs in dollars
Blue Mountain Loans's published ceiling is 660% APR. Below is what that rate does to the amounts it actually lends, repaid over 12 monthly payments.
| You borrow | Monthly | Total repaid | Interest |
|---|---|---|---|
| $100 | $55 | $663 | $563 |
| $700 | $387 | $4,644 | $3,944 |
| $1,200 | $663 | $7,961 | $6,761 |
At 660%, a $100 balance accrues about $55 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
Is Blue Mountain Loans the same as Loan Spot?
Yes. Blue Mountain Loans is a brand of "Loan Spot," a subsidiary of Kashia Services, owned by the Kashia Band of Pomo Indians in California.
What is the APR on a Blue Mountain loan?
Up to roughly 660%, with documented individual loans over 500%. The fees are built into that rate. Read your agreement’s APR box before signing.
Is Blue Mountain Loans a tribal loan?
Yes. Blue Mountain Loans is a tribal lending brand owned by the Kashia 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 400–660% — 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 a loan from Blue Mountain Loans cost?
Blue Mountain Loans lends $100–$1,200 at 400–660% 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 a loan from Blue Mountain Loans 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. Blue Mountain Loans 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.
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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.
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