La Posta Band of Mission Indians
This tribe operates 3 tribal lending brands — 0 still lending and 3 closed. Across the portfolio, APRs span 400–800%.
Debt cancellation across this tribe's brands
- Yes — the February 2021 FTC order deemed nearly all outstanding debt paid in full, because the finance charges were entirely illegal. Operators were permanently banned from lending.
- Yes — the February 2021 FTC order deemed nearly all outstanding debt paid in full, because the finance charges were entirely illegal. Operators (Takehisa Naito, Keishi Ikeda and eight companies) were permanently banned from lending.
Closed brands
Court record for this tribe's brands
1 case in our database touches a brand attributed to the La Posta Band of Mission Indians , and one of them cancelled or refunded borrower money. This is the record that decides whether an old balance is still collectable.
-
Illegal debt forgiven; brands banned
Borrower relief
What this portfolio actually costs a borrower
APR is an abstraction until it has a dollar attached. Of the 3 brands we attribute to the La Posta Band of Mission Indians, 2 publish a rate we could source, and those run 400–800%. At the top of that range, $1,000 borrowed over twelve months repays about $8,017 — $7,017 of it interest. That ceiling sits above the 795% median across every tribal lender we hold a rate for.
The remaining 1 brand never published a rate we could verify. We leave those out of the range rather than estimate them, which is why the span above covers 2 of 3 brands and not all of them.
The earliest brand here dates to 2013. The most recent closure was in 2021. Brands in this industry rebrand and relaunch constantly, so a name disappearing rarely means the lending stopped — check the closed list above for successors.
La Posta Band of Mission Indians lending — frequently asked
Which lenders does the La Posta Band of Mission Indians own?
We document 3 lending brands attributed to the La Posta Band of Mission Indians of CA: Gentle Breeze Online, Green Stream Lending, Harvest Moon Financial. 0 are still lending and 3 have closed.
What APR do La Posta Band of Mission Indians lenders charge?
Across the 2 La Posta Band of Mission Indians brands that publish a rate, APRs span 400–800%. At the top of that range, borrowing $1,000 for twelve months costs about $8,017 to repay — $7,017 of it interest. That ceiling sits above the 795% median across every tribal lender we hold a rate for. 1 of the tribe's brands never published a rate we could source, so they are excluded from that range rather than estimated.
Have La Posta Band of Mission Indians lenders been sued?
Yes. 1 case in our database touches a brand attributed to this tribe, and one of them cancelled or refunded borrower money. The most recent is FTC v. La Posta lending brands (2021, Federal Trade Commission). Litigation history is the single best predictor of whether an old balance is still collectable.
Do I still owe a La Posta Band of Mission Indians loan?
Possibly not. Balances on La Posta Band of Mission Indians brands were cancelled in settlements — check the claim details above before paying any collector, because collectors do still pursue debts that were legally wiped out. Whether a loan is enforceable also depends on your own state: nine states void these loans outright.
Ownership is verified against each brand's own disclosures, state regulator alerts and court filings. Where a non-tribal operator is named in litigation, we list it above — the lending LLC and the tribe are not always the party actually running the business.
Most tribal brands are one of several run by the same tribe, often through the same non-tribal operator. See the full picture: which tribe owns which lender?