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Last Updated: 04/18/2025

Blue Trust Loans

from Hummingbird Funds, LLC

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Strongly not recommended10 total votes

1 users recommend

1 users are unsure

8 users don't recommend

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Highlights

Community Rating

Strongly not recommended

APR (Fixed APR)

471.78% - 841.45%(Verified 06/21/2024)

Disclaimer popup with additional information

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, Hummingbird Funds, LLC will send the money in as little as 24 hours.
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

No prepayment penalty.
No origination fees.
Considers applicants of all credit types.
Get funded in as little as 1 business day.

APRs as high as 841.45%.
Short loan terms (maximum of 12 months).
Small loan amounts (maximum of $2,500).
Does not offer pre-approval with soft credit pull.
Blue Trust Loans does not report to credit bureaus.
No co-sign option available.

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.

BlueTrustLoans Interest Rates & Loan Terms

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.

BlueTrustLoans Fees

Origination Fee

Prepayment Fee

Late Payment Fee

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

BlueTrustLoans Eligibility Criteria

Minimum Age

Bank Account Required?

Yes

Application Types Accepted

Individual Applications

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

LCO P.O. Box 1754

Hayward, WI 54843

Visit Site

Email Support

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SuperMoney Net Recommendation Score

SuperMoney users don't recommend this product, giving it a user recommendation score of -70, or 1.6 on a 5-point rating scale.

-70

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Blue Trust Loans Community Reviews

Would you recommend Blue Trust Loans to your friends?

Wanda B.

Sep 18, 2022

May or may not recommend

Quick and easy application process, friendly customer service and 100% legit

Patrick H.

Apr 24, 2022

May or may not recommend

To start the customer service representatives are super nice and helpful. The process for applying and getting approved is super easy and quick. The downside to this loan is the extremely high interest and the high payment structure. You will be paying triple the initial loan amount. Unless your in a super tough spot it would actually be better off to negotiate whatever debt your trying to condense or pay ...Show More

Anonymous

Jun 3, 2021

May or may not recommend

The company is not ethical. It is a payday loan, not a personal loan. Insane interest rates. I was hung up on multiple times, children crying in the background, and they try to secure your passwords for your bank STAY AWAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Russell M.

Feb 26, 2020

May or may not recommend

This company is a scam. They don't tell you about the insane interest rate. When you call the customer service hangs up on you. I got hung up on 3 times when asking to leave a survey. I was then put on hold for 20 minutes as if they were waiting on me to hang up. All because I asked to take an automated survey. This is a scam.

David J.

Feb 14, 2020

May or may not recommend

Be very careful this company is rip off. Do not do any business with them. Con artist big scam company. ...Please please stay away .

Anonymous

Oct 8, 2019

May or may not recommend

You need to understand what this is for before you go into it. This is a payday loan service; reasonable if you’re only going to wait a few days to pay them… If you want to wait six years to finish your payment plan you will pay thousands of percent in interest. I’ve had good experience with this company and do not feel they are shady at all you ...Show More

Sad D.

Sep 11, 2019

May or may not recommend

They will gladly give you a chicken and take a whole farm. Every $40 payment is bloated with $200+ of interest

Debra D.

Jul 19, 2019

May or may not recommend

For one they are very fast talkers and do but explain a lot of the terms. Granted it is the person's responsibility to all questions but I took out a $400 loan and have made 18 payments on it and still owe $369.00 if I let it go over more pay cycle I will owe $393.00 after making 18 payments. Do not fall into this trap

Anonymous

Feb 1, 2019

May or may not recommend

Wanted to pay my loan off on a Friday. But they are still going to charge me interest on my loan for Sat. & Sun. REALLY. It cant be all that much for 2 days. They can take that money today. Its all crap. You cant trust these people.