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          Additional Information

          Not BBB accredited

          Blue Trust Loans

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          This is a multi-location business.

          Find a Location

          Blue Trust Loans has 2 locations, listed below.

          *This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

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            • Blue Trust Loans

              13526 W Trepania Rd Hayward, WI 54843-2264

            • Blue Trust Loans

              PO Box 1754 Hayward, WI 54843-1754

            Location of This Business
            13526 W Trepania Rd, Hayward, WI 54843-2264
            BBB File Opened:
            2/23/2015
            Business Started:
            2/23/2015
            Business Started Locally:
            2/23/2015
            Business Incorporated:
            8/17/2015
            Type of Entity:
            Limited Liability Company (LLC)
            Business Management
            • Lee Harden, CEO
            Contact Information

            Principal

            • Lee Harden, CEO

            Customer Contact

            • Lee Harden, CEO
            Additional Contact Information

            Phone Numbers

            Additional Business Information
            Additional Info

            According to the company's website, "Hummingbird Funds, LLC d/b/a “Blue Trust Loans” is the tribal lending agency of Lac Courte Oreilles Financial Services, LLC, an arm and entity of the Lac Courte Oreilles Band of Lake Superior Chippewa Indians of Wisconsin, a federally-recognized sovereign nation located within the United States of America, and is operating within the Tribe’s Reservation." And, "The Tribe is a federally-recognized American Indian Tribe and enjoys governmental sovereign immunity. Because we and the Tribe are entitled to sovereign immunity, you will be limited as to what claims, if any, you may be able to assert against the Tribe and us. To encourage resolution of consumer complaints, any complaint may be submitted by you or on your behalf as described in the" Terms and Conditions on its website. "Your right to file suit against us for any claim or dispute arising from or relating to this Agreement is limited by the WAIVER OF JURY TRIAL AND THE TRIBAL DISPUTE RESOLUTION PROCEDURE provisions that you acknowledged and agreed to in the Loan Agreement."

            In addition, its website states the following:  

            Interest (Annual Percentage Rate) APRs. APR’s range from 471.7846% to 841.4532% depending on the duration of the loan and the loan origination fees.

            Loan Payback Terms and Renewal  We encourage responsible borrowing. The use of installment loans as well as any loan should be done with full consideration of the costs involved. Review your loan documents carefully before you agree to the terms of the loan. This site is owned and operated by Lac Courte Oreilles Financial Services, LLC. 

             

            Serving Area
            • USA
            Service Type
            Payment Methods
            • Cash
              Personal Check
              Business Check
              Cashier’s Check
              Money Order
              MasterCard
              Visa
              Discover
              Debit Card
              Automatic BankWithdrawal
              Online
            Refund and Exchange Policy
            • You may rescind this Agreement without cost orfurther obligation if you do so by 5:00 PM CST on the next business dayfollowing the Disbursement Date (the "Rescission Deadline"). Torescind the Agreement, you must inform us in writing, by the RescissionDeadline, by either faxing notice to 1-855-630-9579 or e-mailing to [email protected] that you want to rescind this Agreement. In theevent that we timely receive your written notice of rescission on or before theRescission Deadline but before the loan proceeds have been credited to yourBank Account, we will not affect a debit entry to your Bank Account and bothour and your obligations under this Agreement will be rescinded. In the eventthat we timely receive your written notice of rescission on or before the RescissionDeadline but after the loan proceeds have been credited to your Bank Account,we will effect a debit to your Bank Account for the principal amount of yourloan. If we receive payment of the principal amount via the debit, ours andyour obligations under this Agreement will be rescinded. If we do not receivepayment of the principal amount via the debit, then the Agreement will remainin full force and effect until all sums due and owing under this Agreement,including finance charges and/or fees, are repaid in full.

            Alerts

            See What BBB Reports On

            Out of Business

            According to information in BBB files, this business is no longer in business.

            Out of Business

            As of November 27, 2023, Blue Trust Loans (or Ladder Credit) has been dissolved, and transitioned to eLoanWarehouse. For more information on eLoanWarehouse, please see https://www.bbb.org/us/wi/hayward/profile/loans/eloan-warehouse-0694-1000050939

            Alert

            According to the company's website, Hummingbird Funds, LLC is a sovereign enterprise, an economic development arm and instrumentality of, and wholly-owned and controlled by, the Lac Courte Oreilles Band of Lake Superior Chippewa Indians (the “Tribe”), a federally-recognized sovereign American Indian Tribe. This means that the Hummingbird Funds’ installment loan products are provided by a sovereign government and the proceeds of our business fund governmental services for Tribe citizens. This also means that Hummingbird Funds is not subject to suit or service of process. Rather, Hummingbird Funds is regulated by the Tribe.

            If you do business with Hummingbird Funds, your potential forums for dispute resolution will be limited to those available under Tribal law and your loan agreement. As more specifically set forth in Hummingbird Funds’ contracts, these forums include informal, but affordable and efficient Tribal dispute resolution, or individual arbitration before a neutral arbitrator. Otherwise, Hummingbird Funds is not subject to suit or service of process. Neither Hummingbird Funds nor the Tribe has waived its sovereign immunity in connection with
            any claims relative to use of this mobile site. If you are not comfortable doing business with a sovereign instrumentality that cannot be sued in court, you should discontinue use of this website.

            Important Information about Your Lender:   We encourage responsible borrowing. The use of installment loans as well as any loan should be done with full consideration of the costs involved. Review your loan documents carefully before you agree to the terms of the loan. This site is owned and operated by Lac Courte Oreilles Financial Services, LLC. Our management team has over 20 years of experience in online lending and we are members of the Online Lenders Alliance (OLA) which supports the review and establishment of best practice standards in this industry. We can be reached by email at [email protected] or you can call our loan center at 877.770.2682.

            Contact Information

            13526 W Trepania Rd

            Hayward, WI 54843-2264

            Get Directions
            Visit Website
            (877) 770-2682

            Accreditation

            This business is not BBB Accredited

            BBB Rating

            NR

            Customer Reviews are not used in the calculation of BBB Rating

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