Last Updated: 04/18/2025
SuperMoney User Recommendation Score -70
Strongly not recommended10 total votes
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Highlights
Community Rating
Strongly not recommended
APR (Fixed APR)
471.78% - 841.45%(Verified 06/21/2024)
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Amount Range
$100 - $2,500
Loan Term (Months)
6 - 12
Number of Reviews
Blue Trust Loans Review
Blue Trust Loans is offered by Hummingbird Funds, LLC, a direct lender founded in 2014 and based in Hayward, WI. BlueTrustLoans are available in 37 states and Washington, DC.
Key Takeaways
- APRs starting at 471.78%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Blue Trust Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- Small-dollar loans. Blue Trust Loans has a maximum loan amount of just $2,500 .
- No origination fee. Blue Trust Loans does not charge a loan origination fee.
- Short loan terms. Blue Trust Loans have loan terms as short as 6 months.
BlueTrustLoans Pros & Cons
| Pros | Cons |
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BlueTrustLoans FAQ
What interest rates and personal loan terms does BlueTrustLoans offer?
BlueTrustLoans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does BlueTrustLoans offer?
BlueTrustLoans offers a fixed APR personal loan product that ranges from 471.78% APR up to 841.45% APR.
How much can you borrow via BlueTrustLoans?
Personal loan amounts start at $100 and go up to $2,500
What is the maximum loan term you can get with BlueTrustLoans?
BlueTrustLoans offers loans with terms of up to 12 months.
| Personal Loan Amount | $100 - $2500 |
| Loan Term | 6 - 12 months |
| APR | 471.78% - 841.45% |
What fees does BlueTrustLoans charge?
Does BlueTrustLoans charge an origination fee?
BlueTrustLoans does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does BlueTrustLoans charge a late fee?
BlueTrustLoans does not disclose whether it charges late payment fees.
Does BlueTrustLoans charge prepayment fees?
No, BlueTrustLoans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Blue Trust Loans?
The minimum age to be eligible is 18 or the state minimum, whichever is higher. Blue Trust Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Blue Trust Loans.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Recent pay stubs
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Credit Score | 300 - 650 |
What is the estimated funding time for a personal loan via BlueTrustLoans?
BlueTrustLoans will typically fund loans within 1 to 3 business days of approval and clearing necessary verifications.
Does Hummingbird Funds, LLC perform a hard credit pull?
Yes, BlueTrustLoans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are Blue Trust Loans legit?
Hummingbird Funds, LLC was founded in 2014, it is a well-established company that has been in business for 12 years. Blue Trust Loans is strongly not recommended by SuperMoney community users.
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