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Think Finance agreed to build a call center to serve the payday lending business, according to the agreement between the company and the tribe, and 5000 personal loan monthly payment Chippewa Cree planned to use revenue from the venture to fund social welfare programs and help build a new tribal health center. According to one tribal leader with direct knowledge of the deal, Think Finance also made it clear to the Chippewa Cree that if the tribe didn't accept Think Finance's terms, the company would be perfectly happy to find another tribe that would.
Within two weeks of receiving Think Finances letter, the Chippewa Cree, who had tried for a year to run their own lending business, agreed to the arrangement. The tribe partnered with Think Finance and renamed its lending company Plain Green. The tribe would own 51 percent of the company, and Think Finance would own 49 percent. The new venture would offer installment loans, a term the industry prefers to use instead of payday loans. Like traditional payday loans, installment loans are small loans with high interest rates that often trap borrowers in a morass of debt.
Unlike traditional payday loans, they are paid back over time periods longer than a single pay cycle. Plain Green says its minimum repayment cycle is four months.