LC

Lucent Cash Review

Short-term installment loan · Reviewed June 2026

starstarstarstarstar 2.9 Our editorial rating

“A clean $100–$1,500 installment lender with a standard fee schedule — but it self-describes as tribal without a verifiable tribe, so confirm who you're borrowing from.”

At a Glance

Loan amount $100 – $1,500
APR Lucent sets the rate by amount and term, disclosed in the agreement; a sample disclosure has been noted around 772% APR — treat it as a sample, not a universal rate
Term Installments tied to your pay dates
Funding Next business day if approved before 4pm PST
Credit No hard FICO minimum (alternative credit data)
Fees $20 late (10+ days), $30 NSF; origination not disclosed
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Best for

Borrowers who want a small, straightforward installment loan and will verify the lender first.

Cost 2.0
Transparency 2.9
Funding speed 4.0
Eligibility 3.9
Support 3.1

Lucent Cash Pros & Cons

thumb_upPros

  • checkClear $100–$1,500 range and $20/$30 fee schedule
  • checkNext-business-day funding
  • checkNo hard FICO minimum (alternative data)
  • checkNo prepayment penalty mentioned

thumb_downCons

  • closeOwning tribe not publicly verified
  • closeSample APR around 772% — very high
  • closeDoesn't use the major bureaus — won't build credit
  • closeAvailable in select locations only
№ 01

What we could verify

Lucent Cash (lucentcash.com) is a live installment lender that self-describes as a tribal lender, lending $100 to $1,500 with a $20 late fee (after 10 days) and a $30 NSF fee. However, no primary source names the tribe behind it, so — consistent with our policy — we don't assert one. Confirm the actual lending entity and your state's availability before applying.

№ 02

Rates, fees & real cost

Lucent sets the rate by your loan amount and duration, disclosed in the agreement; a sample disclosure on its site has been cited around 772% APR — treat that as one illustration, not a universal rate. It verifies applicants through alternative credit-reporting agencies rather than the three major bureaus, so it generally won't build traditional credit.

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Lucent Cash FAQ

Is Lucent Cash a tribal lender? add
Lucent Cash self-describes as a tribal lender, but no primary source publicly names the tribe behind it — so we don't assert one. Confirm the actual lending entity before borrowing.
How much does Lucent Cash cost? add
Lucent sets the rate by amount and term in your loan agreement; a sample disclosure on its site has been cited around 772% APR. Always confirm your specific rate before signing.
How we rate tribal lenders — our methodology

How We Rate Lenders

We score each lender from 1 to 5 on cost, transparency, funding speed, eligibility, and customer support. High-cost products score lower on cost by design. Ratings are editorial, independent, and updated as terms change.

Independent & not affiliated. Tribal Installment Loans is an independent resource and is not affiliated with, endorsed by, or sponsored by Lucent Cash. Lucent Cash and related names are trademarks of their respective owners. We may be compensated when you visit partner sites. Figures are indicative, may change, and vary by borrower — verify current terms directly with the lender.