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He took out an Internet loan in the summer of 2013, and quickly got up to his ears in debt. Taylor said he needed the loan to help cover a 3,000 down payment to buy the land on which his mother lives. Taylor didnt have the money and worried that his lack of credit would keep him from being approved for a traditional loan from a bank.
Taylor went online and borrowed 1,000 from a lender called Silver Personal loans for disability pensioners Financial, Inc. It's a tribal lending entity owned and operated by the Habematolel Pomo of Upper Lake, a Native American tribe in rural northern California. Taylor said he only had to give Silver Cloud minimal information, including the name of his employer, how much he was paid, and his bank account number.
He agreed to let Silver Cloud make automatic withdrawals from his bank account on payday every two weeks to cover interest and fees for the loan. Shortly after applying for the loan, Taylor saw the funds appear in his account.
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