green day loans reviews

Better Day Loans is a tribal lender that offers loans to those with bad credit. The interest rates on these loans are quite high.

Despite the lender’s( a band of pomo Indians) assurances that you would be able to repay your loan on time, it at times may not be the case. You should therefore only apply for these loans when there is no other option available. Do not use high-interest loans as a long-term financial solution.



  • To complete a loan application, you must talk with a loan agent.
  • Not all states permit fixed-term installment payments.
  • The interest rate and fees are quite high

Make sure you are aware of the chances of being approved for the loan you are requesting even before applying.

Better Day Loans personal loan information you should know

The tribal lender, Better Day Loans was started by a band of pomo Indians and specializes in providing negative credit borrowers with short-term installment loans. You can use the online form to submit your application.

If you are accepted, Better Day loans promise your money will be in your account as soon as 24 hours after you have been authorized. Be aware, though, that depending on the bank you select, you may have to wait longer to get your cash.

Before applying for a loan via Better Day, be sure to know if you need money right away to pay for a car repair, a medical bill, or some other urgent financial need.

If you don’t need the money immediately, it is better to consider other options like finding an affordable online payday lender that can work with your credit score.

How much can I qualify for?

Depending on the lender, you may be required to borrow a loan amount of as much as $1000 when applying for a personal loan. Better Day Loans, on the other hand, offers installment loans ranging from $200 to $5,000, so you may only borrow as much as you need.

If you are a first-time borrower, you will only be eligible for a loan up to $1,500. The money might be in your account as soon as the next business day.

When Better Day loans are worth considering

During an emergency, you will not have much time to wait for your loan application to be approved. This is especially when you need money quickly to pay a medical bill or do car repairs.

In the event that you apply for a loan and are approved before the deadline of 6 p.m. Mountain Time Monday through Friday, Better Day Loans claims it will disburse your cash on the next working day in most cases.

Be aware that the time it takes to get the money may vary depending on the bank you select.

Expect a high rate of interest

When it comes to short-term loans, payday loans are by far the most common and costly option. According to the Consumer Financial Protection Bureau, a typical two-week payday loan has costs that equal to an APR of close to 400 percent and additional finance fees.

Installment loans from Better Day Loans have higher APRs than typical payday loans.  This interest rate might cost you hundreds, if not thousands, of dollars more than what you borrowed initially.

An example of how better day loans work

Let us imagine you qualify for a 780 percent APR loan of 0. Using a monthly payment plan, you will have to pay back $3,904.56 if you make 24 payments of $162.69 per month. In other words, on top of the principle, you will pay almost $3,400 in financing charges.

Applying for Better Day Loans is easy since you can do it online. For this reason, you must first talk with a customer care representative by phone to get your application processed.

Most personal loan lenders and payday loan lenders allow applicants to submit their applications online and obtain a decision without having to talk with an agent as an additional step; some loan providers do not demand this.

Other additional charges

Better Day loans offer emergency funds and if you choose to accept them, you must make all of your payments on schedule. Without it, you risk being hit with hefty fines. Better Day Loans will levy a $30 late fee if your loan is not paid up in two weeks. A $30 reprocessing fee will be charged if your payment is declined due to insufficient funds.

Make sure you are aware of the chances of being approved for the traditional payday loans you are requesting.

Submit your application today!

Here’s some more information about installment loans from Better Day Loans.

When you apply for the loan, you may choose between biweekly, weekly, or semimonthly installments with Better Day Loans.

Those who are taking out a loan for the first time face restrictions. The maximum amount you may withdraw if you are a new customer is $1,500. Customers who return to the store may be eligible for a loan of up to,000.

What are the eligibility requirements?

To be eligible for Better Day loans, you must be at least 21 years old. Anyone over the age of 21 who has a job or a regular source of income and a valid bank account is eligible to borrow from Better Day Loans.

Not all states have this option available to them

Better Day Loans does not offer loans to citizens of all states. You may therefore consider alternative payday lenders in some states.

How to avoid paying high interest on the loans

There are not any fees associated with paying in advance. One approach to saving money is to pay off your loan early. Better Day Loans let you pay back your loan whenever you choose, with no early repayment fees.

Is it a good idea for me to get A Better Day Loans?

Borrowing with Better Day Loans is a very expensive option because of the astronomically high-interest rates. The loan agreement may also not be conducive for you. This should only be an option if you have no other way to pay for unplanned expenditures.

Alternatives to better day loans

If you need money for an emergency, such as a car repair or a medical bill, you should look into other options before applying for a loan from Better Day Loans.

Use your credit card to make a purchase

Credit cards may have hefty interest rates, but the APRs you will get while using Better Day Loans or payday lenders are typically far lower.  Although you may have low credit, there are credit cards available for folks with less-than-perfect credit.

Make a payment schedule

You may set up a payment plan with your doctor’s office or hospital and then split the cost into monthly installments if you have medical expenses piling up.

Get a salary advance

Think about asking for a payroll advance if you have a job to get your next payment sooner. It is however important to ensure that you stick to the loan agreement.

Seek assistance

If you find yourself in a tight spot, the most cost-effective way to meet unexpected expenses is to approach family and friends for a modest loan.

Create a budget

For those who cannot take advantage of these alternatives and select a loan from Better Day Loans, create a budget to make sure you can pay back the loan and all of your other obligations on time.

Consider taking on additional payments if you can to get rid of the debt before it is due and save money on interest.

What is the procedure for obtaining Better Day Loans?

  • The loan application is done online.  It does not offer a prequalification tool thus you cannot find out before applying what interest rate you will get and if you will be approved for a payday loan alternative.
  • Your name, address, Social Security number, wages, and employer contact details will be requested if you apply for Better Day Loans. The bank account number and routing number must be entered as well.
  • Unlike traditional payday loans, one of the customer service representatives will call you to check your information after you have finished the online application. In the event that you are approved, you can expect the loan to be ready in a matter of business days, however, the precise time depends on which bank you choose to work with.

In order to avoid paying excessive interest rates, or to find a financial institution that allows you to compare rates before applying, consider these two possibilities.

Earnin App

One alternative to better day loans is to take out a payday loan alternative against your salary using the Earnin app without paying fees or interest (just possible tips).


Rise is among the payday lenders that lets you check your potential interest rate before you apply, and it has no effect on your credit ratings.


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Author D Laidler

I am David, economist, originally from Britain, and studied in Germany and Canada. I am now living in the United States. I have a house in Ontario, but I actually never go.  I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.

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