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Think Finance Is No Longer Operating

Think Finance filed for bankruptcy in 2017 following state and federal enforcement actions targeting its tribal lending model. This page explains what happened and outlines current alternatives. Fundslender is not affiliated with Think Finance.

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This lender is no longer operating

Think Finance filed for Chapter 11 bankruptcy in 2017 and has wound down its lending operations. Its tribal lending brands are also no longer originating loans. This page is maintained for research purposes and to help borrowers find current alternatives.

What Was Think Finance?

Think Finance was a Fort Worth, Texas-based financial technology company that specialized in designing and operating high-cost online lending products. It partnered with Native American tribal entities to originate high-rate installment loans and lines of credit, using tribal sovereignty arguments to attempt to avoid state rate cap laws.

Think Finance brands included Plain Green Loans, Great Plains Lending, and MobiLoans. These products were heavily marketed to consumers with limited access to mainstream credit.

What Happened to Think Finance?

  • Multiple state attorneys general and the CFPB pursued actions against Think Finance and its tribal lending partners, challenging the tribal sovereignty exemption model.
  • Pennsylvania's attorney general obtained a court order blocking Think Finance and its tribal partners from collecting on loans made to Pennsylvania residents, finding the loans violated state law.
  • In October 2017, Think Finance filed for Chapter 11 bankruptcy protection in a Texas federal court.
  • Class action lawsuits on behalf of borrowers who paid high-rate loans resulted in settlements that provided loan forgiveness and refunds to qualifying borrowers.

What Former Customers Should Know

  • If you had a loan through Plain Green, Great Plains Lending, or MobiLoans, you may have been entitled to settlement relief depending on your state and loan terms.
  • Contact your state attorney general or the CFPB to check whether any relief programs apply to former loans.
  • If a former Think Finance servicer or debt collector contacts you about an old loan, verify the legality of the debt in your state before making any payment.

Frequently Asked Questions

Think Finance faced multiple state and federal enforcement actions related to its tribal lending partnerships. The company partnered with tribal entities to originate high-rate loans, arguing tribal sovereignty exempted them from state rate caps. States successfully challenged this model. Think Finance filed for Chapter 11 bankruptcy in 2017 and ultimately wound down its lending operations.
Think Finance operated several consumer lending brands through tribal partnerships, including Plain Green Loans (through the Chippewa Cree Tribe), Great Plains Lending (through the Otoe-Missouria Tribe), and MobiLoans. All of these products were effectively high-cost installment or line of credit products targeted at consumers with limited access to mainstream credit.
As part of the bankruptcy and related class action settlements, some borrowers received loan forgiveness on outstanding balances or refunds on payments made. If you believe you had an eligible loan, contact the CFPB or your state attorney general for information on whether any settlement distributions apply to you.
Consider credit unions, mainstream online personal loan lenders, and nonprofit financial assistance as lower-cost alternatives. Fundslender is an independent loan matching service that may connect you with lenders in our network. We are not affiliated with Think Finance or any of its former brands.
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