Iipay Nation of Santa Ysabel
This tribe operates 5 tribal lending brands — 5 still lending and 0 closed. Across the portfolio, APRs span 400–780%.
Active brands
What this portfolio actually costs a borrower
APR is an abstraction until it has a dollar attached. Of the 5 brands we attribute to the Iipay Nation of Santa Ysabel, 3 publish a rate we could source, and those run 400–780%. At the top of that range, $1,000 borrowed over twelve months repays about $7,819 — $6,819 of it interest. That ceiling sits below the 795% median across every tribal lender we hold a rate for.
The remaining 2 brands 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 3 of 5 brands and not all of them.
The earliest brand here dates to 2012. Brands in this industry rebrand and relaunch constantly, so a name disappearing rarely means the lending stopped — check the closed list above for successors.
Iipay Nation of Santa Ysabel lending — frequently asked
Which lenders does the Iipay Nation of Santa Ysabel own?
We document 5 lending brands attributed to the Iipay Nation of Santa Ysabel of CA: Lucent Cash, Eagle Advance, Axis Advance, Arrow One Lending, Sierra Lending. 5 are still lending and 0 have closed.
What APR do Iipay Nation of Santa Ysabel lenders charge?
Across the 3 Iipay Nation of Santa Ysabel brands that publish a rate, APRs span 400–780%. At the top of that range, borrowing $1,000 for twelve months costs about $7,819 to repay — $6,819 of it interest. That ceiling sits below the 795% median across every tribal lender we hold a rate for. 2 of the tribe's brands never published a rate we could source, so they are excluded from that range rather than estimated.
Do I still owe a Iipay Nation of Santa Ysabel loan?
It depends on where you live, not on what you signed. A tribal loan that exceeds your state's rate cap may be void or uncollectable regardless of the contract terms, and we have no record of a settlement cancelling this tribe's balances. Check your state's rules before you keep paying.
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?