CreditCube Active
Big Valley Band of Pomo Indians · lending since 2019
CreditCube starts first-time borrowers at a flat 779.97% APR and only lets the rate down — to a still-brutal 260% — if you keep borrowing. It is one of three lending brands the Big Valley Band runs.
CreditCube at a glance
- Owning tribe
- Big Valley Band of Pomo Indians
- Lending since
- 2019
- Loan amounts
- $200–$5,000
- APR range
- 260–780%checked Jul 2026
- Product
- installment
- Website
- creditcube.com
What a CreditCube loan really costs
CreditCube lends $200–$500 to first-time borrowers and up to $5,000 to returning 'VIP' customers, repaid over up to about eight months. Uniquely, it publishes its exact rates — and they are punishing: first loans carry the maximum 779.97% APR, and only by borrowing repeatedly do you tier down toward the 259.94% floor. That structure rewards staying in debt, not getting out.
There is no early-payoff penalty, so paying the principal fast is the escape. But borrowers report that when they revoke ACH authorization, CreditCube says it will satisfy the debt via a remote paper check drawn on the account — so also instruct your bank to block it. A checking account with ACH is required; prepaid and savings accounts are not accepted.
- Publishes its exact APR floor (259.94%) and ceiling (779.97%) — rare transparency.
- No prepayment or early-payoff penalty.
- Returning "VIP" borrowers can access up to $5,000 at lower tiers.
- First-time borrowers pay the maximum 779.97% APR.
- The rate only falls if you keep re-borrowing — a loyalty trap.
- BBB "F"; collection via remote paper check reported after ACH revocation.
- Settled an Illinois rent-a-tribe class action in 2023.
Skip CreditCube if…
Where CreditCube lends
These nine states are excluded per CreditCube's own rates page.
By its own terms, CreditCube does not lend to residents of:
Does CreditCube report to credit bureaus?
CreditCube verifies applicants through Clarity Services (an Experian subprime bureau), named explicitly on its rates page, and does not meaningfully report to the three major bureaus — so on-time payments will not build credit.
Who actually owns and runs CreditCube
CreditCube is owned by the Big Valley Band of Pomo Indians of the Big Valley Rancheria in Lakeport, California, with its CEO named in litigation as Ben G. Ray, III, and payment processing handled by North American Banking Company.
The Big Valley Band runs a cluster of lending brands from the same rancheria — CreditCube, Little Lake Lending and Condor Credit — and Washington's DFI has issued a consumer alert that the tribe's lending is not licensed in the state.
The Illinois lawsuit
In Harris et al. v. Credit Cube (N.D. Ill., filed February 2023), plaintiffs alleged a rent-a-tribe scheme using the Big Valley Band as a façade to charge 700%+ APR against Illinois's 9% cap for unlicensed lenders (rates above 20% are a felony there).
Notably, the suit also named the payment processor, North American Banking Company, as a defendant — an unusual and useful pressure point. The case settled in July 2023.
What CreditCube costs in dollars
CreditCube's published ceiling is 780% APR. Below is what that rate does to the amounts it actually lends, repaid over 12 monthly payments.
| You borrow | Monthly | Total repaid | Interest |
|---|---|---|---|
| $200 | $130 | $1,564 | $1,364 |
| $2,600 | $1,694 | $20,330 | $17,730 |
| $5,000 | $3,258 | $39,096 | $34,096 |
At 780%, a $200 balance accrues about $130 in interest every month. Any payment below that figure leaves you owing more than you started with, however long you pay.
Standard amortization 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.
Court record and your CreditCube loan
No case has cancelled CreditCube debt. Whether you still owe comes down to your state: in 9 states a loan above the rate cap is void, whatever the contract says — check yours.
- The Kali / Layma RICO casesM.D.N.C., N.D. Ill., S.D. Ind. — Armstrong pending · 2025 — Two Big Valley LLCs, a bank and a collector named
If a collector is calling, read what to do before you pay anything.
Frequently asked questions
Why is my CreditCube APR 779%?
CreditCube charges first-time borrowers its maximum 779.97% APR by design. The rate only tiers down toward its 259.94% floor if you keep borrowing and repaying — a structure that rewards repeat debt rather than paying off.
How do I stop CreditCube from taking money?
Revoke ACH authorization in writing, and also tell your bank to block the debits — borrowers report that after ACH revocation, CreditCube attempts to collect via a remote paper check drawn on the account. There is no early-payoff penalty, so paying the principal fast limits the cost.
What tribe owns CreditCube?
The Big Valley Band of Pomo Indians in Lakeport, California, which also runs Little Lake Lending and Condor Credit. Washington’s DFI has flagged the tribe’s lending as unlicensed in that state.
Is CreditCube a tribal loan?
Yes. CreditCube 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 license. It is also why its APR reaches 260–780% — 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 CreditCube loan cost?
CreditCube lends $200–$5,000 at 260–780% APR. Near the top of that range, the total repaid on a loan run to term is several times the amount borrowed — check the total of payments in your agreement, not the monthly figure.
Is a CreditCube 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. CreditCube 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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