Apply Online

As Soon As You Need Funds

Fast Approval

Find Out Quickly If You Qualify

Funding Fast

Next Business Day Funding**

Why Gray Fox Lending?

Great Alternative to Payday Loans

Unlike payday loans, installment loans from Gray Fox Lending offer more flexible repayment options.


When to Use Gray Fox Lending

Help With Expenses Like:

Out-of-Pocket Medical Expenses

Pay for prescriptions and expensive medical co-pays.

Unexpected Home Repairs

Broken heater or AC, leaky roof, burst pipe flooding your basement? Get them fixed before the problem gets bigger.

Motor Vehicle Repairs

Need to get to work but car broke down? Get funds into your bank account right away.**

To Avoid Service Interruptions

Missed payments may add unnecessary late fees and expensive service disconnections.

Low Bank Balance

A bounced check may carry costly return fees.

Rent is Due

Avoid additional fees and possible eviction if rent is due and you don't have the funds immediately available.

Contact Us

If you have questions regarding our loan programs, loan terms, payment plans, or just need more information, please do not hesitate to contact us. A Gray Fox Lending customer service representative will be happy to assist you.

Gray Fox Lending is a Native American owned business operated by the Tribe; a federally recognized sovereign Indian nation (the "Tribe") that adheres to federal consumer financial protection laws and operates within the boundaries of the Tribe's reservation. If you have a service-related concern, please contact our customer service team at: 888-290-1691. Gray Fox Lending is committed to promptly resolving customer issues. If your concern is still not resolved after calling customer service, please contact our hotline at 888-290-1692 between the hours of 8:00am-5:00pm PST Monday-Friday, or email us at

Mailing Address

  • Gray Fox Lending
  • P.O. Box 175
  • Fort Bidwell, CA 96112

  • Toll Free Number: 888-290-1691
  • Corporate Hotline: 888-290-1692
  • Email:
  • Fax: 530-392-9870

We verify applicants' credit information using national databases. You can complete the loan process by creating an account and submitting your application online.

**Gray Fox Lending's loans are usually funded by Automated Clearing House (ACH) electronic crediting directly to your bank account. If your loan is reviewed and approved by 12:00 pm PST Monday through Friday excluding bank holidays, your funds may be available as soon as the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your individual bank, inadvertent processing errors, "acts of God", and/or "acts of terror" may extend the time for the deposit and may cause a change in the Disbursement Date. Note that errors in your application, particularly with bank routing and account numbers, will impact our ability to fund and cause delays. In some cases, a customer service representative may contact you to verify your information before we can finalize and approve your loan.

Gray Fox Lending is a Native American business owned and operated by a federally recognized sovereign Indian nation (the "Tribe") that adheres to federal consumer financial protection laws and operates within the boundaries of the Tribe's reservation. Gray Fox Lending abides by all applicable federal laws, regulations, and tribal law as established by the Tribe.

This is an expensive form of borrowing. Gray Fox Lending Installment Loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long-term financial solution. Gray Fox Lending never charges any prepayment penalties on partial or complete repayments. Prompt repayment of your loan will reduce the costs associated with borrowing and is strongly recommended by Gray Fox Lending.

Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice at the sole discretion of Gray Fox Lending. Currently, residents of Alabama,Arkansas,Connecticut,District of Columbia,Georgia,Illinois,Maine,Maryland,Massachusetts,Minnesota,New Jersey,New Mexico,New York,North Carolina,Pennsylvania,South Carolina,Vermont,Virginia,West Virginia,Wyoming are not eligible for a loan from Gray Fox Lending.