Is Blue Mountain Loans legit?
Blue Mountain Loans is a legitimate company, but it’s also a tribal lender, which means it can charge APRs so high that they’re often labeled “predatory” by past customers. The company is not accredited by the Better Business Bureau (BBB) and has an F rating, likely because it doesn’t respond to complaints on the site.
Customer reviews on the BBB are also 100% negative, with all reviewers giving the company a single star — the lowest rating possible. In its terms of service, Blue Mountain Loans states that it protects customer data but gives no specifics about how that is accomplished.
Where Blue Mountain Loans falls short
The biggest area where Blue Mountain Loans falls short is affordability. There is no starting APR listed on the company website, but it tops out at 660% — much higher than what you’d find at other online lenders like Upstart, OppLoans and Credible. And with rates this high, borrowers could find it difficult to afford repayments. Blue Mountain Loans even warns visitors to its website that “This is a very expensive form of borrowing.”
What makes Blue Mountain Loans shine?
The biggest benefit of borrowing through Blue Mountain Loans is how easy it is to qualify. There is no minimum credit score listed on the website, and the company encourages people with bad credit to apply. It’s even possible to qualify for a loan if you have a bankruptcy in your past.
Blue Mountain Loans are also disbursed quickly compared to many other lenders (especially traditional ones, like banks and credit unions). Once your application is approved and you’ve signed the loan agreement, you could receive your money as soon as the same day. If same-day funding isn’t possible, you should get it by the next business day at the latest. But still, with such high rates, its worth exploring options like Blue Mountain Loans that offer fast funding but at lower rates.
Blue Mountain Loans loan details
| Credit score | Bad credit accepted |
| APR | Up to 660% |
| Loan amounts | $100 to $1,200 |
| Terms | 4 to 12 months |
| Turnaround | Receive funds as soon as the same day |
| Fees | $30 returned payment fee No prepayment penalty Loan origination and late payment fees may apply |
| Requirements | Checking account Steady income US citizen or permanent resident 18+ years old |
| Availability | Not available in: Arkansas, Connecticut, Illinois, Maryland, Massachusetts, New York, Pennsylvania, Vermont, Virginia, West Virginia |
Blue Mountain Loans contact information
| Phone number | 833-289-6600 |
| service@bluemountainloans.com | |
| Address | 1420 Guerneville Road, Suite 1, Santa Rosa, CA 95403 |
| Online | Blue Mountain contact form |
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How to qualify for Blue Mountain Loans
Blue Mountain Loans only has a few simple qualifications that you need to meet. They include:
- Be 18 years of age or older
- Be a US citizen or permanent resident
- Have an active checking account in your name
- Be able to show proof of a steady income
How to apply
If you’re considering a loan through Blue Mountain Loans, here’s what you can expect from the application process:
- Fill out an application online. You can begin the application online by entering how much you’d like to borrow and providing your personal, banking and employment information. You may need to consent to a credit check.
- Talk to a representative. After your application is submitted, Blue Mountain Loans reviews it and has a representative call you to let you know whether you’ve been approved.
- Look over the loan documents. Once your loan is approved, you should receive a loan agreement. Review the terms carefully before signing to ensure you can afford repayments.
- Receive your funds. Funds are typically sent to your bank account by the next business day at the latest, but you might be able to receive them the same day.
- Begin repaying the loan. You can repay your loan by automatic withdrawal from your bank account, cashier’s check or money order. Payments are made either weekly, bi-weekly, semi-monthly or monthly, depending on your loan agreement.
How Blue Mountain Loans compares to other lenders
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What is the Finder Score?
The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product’s interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate – this gives you a simple score out of 10.
To provide a Score, we compare like-for-like loans. So if you’re comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.
Read the full Finder Score breakdown
Blue Mountain Loans reviews and complaints
| BBB accredited |
No |
|---|---|
| BBB rating |
F |
| BBB customer reviews |
1 out of 5 stars, based on 10 customer reviews |
| Customer reviews verified as of |
17 March 2025 |
There are only 10 reviews about Blue Mountain Loans on the Better Business Bureau website, and all give the company a single star. The primary complaint is that Blue Mountain Loans is a predatory lender that charges high interest rates. Customers complain about high payments, which makes it easy to fall behind and leaves their checking accounts in the negative.
A couple of complaints are about the application process, stating that they were initially approved for a loan and then denied. Another mentioned the company’s unprofessional communication style and accused it of leaking their personal information.
There is no official profile for Blue Mountain Loans on Trustpilot, but quite a few past customers leave comments on the page for Blue Mountain Ecards, thinking that they’re on the lender’s review page. The vast majority of reviews clearly referring to Blue Mountain Loans are negative, warning others against using the lender.
What do people on Reddit say?
While many posts on Reddit warn people against tribal lenders in general, there’s just one that mentions Blue Mountain Loans specifically. In the post, the OP is asking for advice to help her cousin, who took out a $2,000 loan with the company at a 400% interest rate. Even after paying more than $5,500 towards the loan through $350 bi-weekly payments, only $70 has gone towards the principal. The Redditor wants to know how their cousin can get out of this cycle.
Frequently asked questions
Are Blue Mountain Loans rates competitive?
No, Blue Mountain Loans rates are not competitive — in fact, they’re extremely high. With APRs up to 660%, it charges far more than traditional lenders or even alternative online lenders do. As a tribal lender, Blue Mountain Loans can legally charge these steep rates, but you should carefully consider whether you want to take on a loan with such high costs.
Is it easy to get approved for a loan through Blue Mountain Loans?
Yes, it’s fairly easy to get approved for a loan through Blue Mountain Loans — it has no minimum credit score requirement, and bases eligibility mostly on your income. It even accepts borrowers with past bankruptcies.
What credit score do I need to get funding through Blue Mountain Loans?
Blue Mountain Loans doesn’t list a minimum credit score on its website and mentions it works with borrowers who have bad credit.
