Tremont Lending Watchlist
Big Valley Band of Pomo Indians · lending since 2013
Tremont Lending’s website now redirects to a domain-for-sale page, while its BBB profile still shows A+ and active. The BBB record is the stale one: a lender that has listed its domain for sale is not taking applications. Its distinguishing feature while it operated was a flat 495% APR — no tiers, no repeat-borrower discount, the same rate for everyone.
Tremont Lending at a glance
- Owning tribe
- Big Valley Band of Pomo Indians
- Lending since
- 2013
- Loan amounts
- $100–$750
- APR range
- ≈495%check date not recorded
- Product
- installment
- Website
- tremontlending.com
What a Tremont Lending loan really costs
Tremont priced at a flat 495% APR. That is unusual and, in a narrow sense, honest: most tribal lenders quote a wide band (say 400–800%) and place each borrower somewhere inside it after approval. Tremont told you the number up front and it did not move.
On a $500 loan — the middle of its $100–$750 range — 495% APR across a typical term produces a finance charge well above the principal. Knowing the rate in advance did not make it cheaper; it only made it predictable.
The flat structure had a second edge. Lenders like North Cash and Blue Mountain drop repeat borrowers into lower tiers for on-time repayment. Tremont did not. A borrower on their fifth loan paid exactly what a first-timer paid — no reward for a perfect record.
- Charged a single flat rate rather than a range, so the price was knowable before applying
- Held an A+ BBB rating with a light complaint history
- Small loan sizes ($100–$750) limited exposure
- No longer originating new loans
- The domain now redirects to a for-sale listing — the brand is not operating
- 495% APR with no discount for repeat on-time borrowers
- No public wind-down notice or borrower relief
- BBB still lists it as A+/active, which misleads anyone checking
Skip Tremont Lending if…
- You need a lender we can confirm is still making loans — its status is unconfirmed.
- You need more than $750 — that is its ceiling.
Where Tremont Lending lends
No longer originating, so availability is moot. If you carry an old balance, your state’s rate-cap law still determines whether it is collectible.
Does Tremont Lending report to credit bureaus?
Tremont did not report to Equifax, Experian or TransUnion — no borrower built credit here.
Any balance sold to a third-party collector can be reported to the main bureaus by that collector.
Collection entries on void or time-barred debts can be disputed with the bureaus.
Where the Big Valley Pomo lending operation went
Tremont operated under the Big Valley Band of Pomo Indians in California. The tribe’s consumer lending did not end with Tremont — Condor Credit and CreditCube are associated with the same tribal lending apparatus and remain active.
This is the pattern across the sector: brands are disposable, operations are not. A domain gets listed for sale, complaints attached to that name stop accumulating, and lending continues under a fresh brand with a clean record. Read Tremont’s A+ rating in that light — it measures a name, not an operator.
If you are shopping and land on Condor Credit or CreditCube believing you are looking at an alternative to Tremont, you are looking at the same lending program with different typography.
The BBB record says active — trust the domain instead
Tremont’s BBB profile still shows A+ and active. tremontlending.com redirects to forsale.godaddy.com. Both cannot be true, and the domain is the harder evidence: no operating lender lists its primary customer-facing address for sale.
BBB profiles go stale because they update when a business or complainant prompts them. A brand that quietly stops originating never prompts anything, so the last rating simply sits there — which is precisely why an A+ on a defunct lender is worth nothing to you.
The practical rule: check whether the site loads before trusting any rating attached to it.
What Tremont Lending costs in dollars
Tremont Lending's published ceiling is 495% 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 | $42 | $503 | $403 |
| $400 | $168 | $2,012 | $1,612 |
| $750 | $314 | $3,772 | $3,022 |
At 495%, a $100 balance accrues about $41 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.
Frequently asked questions
Is Tremont Lending still open?
No. tremontlending.com now redirects to a domain-for-sale page. Its BBB profile still shows A+/active, but that record is stale — profiles only update when someone prompts them, and a quiet exit prompts nothing.
What APR did Tremont Lending charge?
A flat 495% APR on loans of $100–$750, with no tiering. Unusually, the rate did not vary by amount, term or repayment history — first-time and repeat borrowers paid the same.
Who took over Tremont Lending’s loans?
There is no announced successor or transfer program. The Big Valley Band of Pomo Indians’ lending activity is associated with Condor Credit and CreditCube, which remain active, but no public notice ties Tremont balances to them. If a collector contacts you, demand written validation and proof of ownership before paying anything.
Is Tremont Lending a tribal loan?
Yes. Tremont Lending 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 ≈495% — 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 Tremont Lending loan cost?
Tremont Lending lends $100–$750 at ≈495% APR. At that rate, 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 Tremont 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. Tremont 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.
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