Inbox Loan Watchlist
Kashia Band of Pomo Indians (Kashia Services) · lending since 2019
The BBB now lists Inbox Loan as no longer in business — but the Kashia Band brand still surfaces in searches, and old balances and collectors can outlive the lender.
Inbox Loan at a glance
Watchlist- Owning tribe
- Kashia Band of Pomo Indians (Kashia Services)
- Lending since
- 2019
- Loan amounts
- $200–$5,000
- APR range
- 400–780%
- Product
- installment
- Website
- inboxloan.com
What an Inbox Loan loan really costs
Inbox Loan offered installment loans of $200–$1,500 for first-timers and up to $5,000 for returning borrowers, at triple-digit APRs disclosed only after application.
The most important fact for anyone searching it now: the BBB indicates Inbox Loan is no longer in business, so it appears to have wound down — though old balances and any collector activity can persist after a lender stops lending.
- Returning borrowers could reach up to $5,000.
- Appears to have stopped originating, limiting new harm.
- Historic APRs were triple-digit; the rate showed only after applying.
- BBB indicates the business is no longer operating.
- A separate marketing domain disclaimed being the actual lender.
- No published excluded-states list; flagged unlicensed by Washington’s DFI.
Where Inbox Loan lends
Inbox Loan did not publish a fixed excluded-states list. Washington’s DFI flagged the Kashia Band lender as unlicensed.
Does Inbox Loan report to credit bureaus?
Inbox Loan underwrote on alternative data and did not confirm major-bureau reporting, so it would not have built credit.
Who owned Inbox Loan
Inbox Loan operated under the Kashia Band of Pomo Indians of the Stewarts Point Rancheria in Sonoma County, California — the same tribe behind Blue Mountain Loans and Better Day Loans. A separate marketing domain (inboxloan.net) explicitly disclaimed being the lender of record.
With the BBB now listing the business as closed, treat any collection on an old Inbox Loan balance with particular caution and verify it is even enforceable in your state.
What Inbox Loan costs in dollars
Inbox Loan'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 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 Inbox Loan still operating?
The BBB indicates Inbox Loan is no longer in business, so it appears to have stopped issuing new loans. If a collector contacts you about an old Inbox Loan balance, verify who owns the debt and whether it is enforceable in your state before paying.
What tribe owned Inbox Loan?
The Kashia Band of Pomo Indians of the Stewarts Point Rancheria in California, which also runs Blue Mountain Loans and Better Day Loans.
What was the APR on an Inbox Loan?
Triple-digit, disclosed only after you applied. If you still owe a balance, check whether the rate exceeded your state’s cap — it may be void.
Is Inbox Loan a tribal loan?
Yes. Inbox Loan 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 400–780% — 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 loan from Inbox Loan cost?
Inbox Loan lends $200–$5,000 at 400–780% 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 Inbox 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. Inbox Loan 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.
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