Arrow One Lending ~

Consumer Alert
Arrow One Lending

Not Licensed To Provide Payday Loans

August 16, 2013

The Washington State Department of Financial Institutions (DFI) has received a consumer alertcomplaint against Arrow One, LLC d/b/a Arrow One Lending. It appears that this entity is operating as a tribal online payday lender. This entity has stated it is wholly owned by the Iipay Nation of Santa Ysabel, California. This entity asserts that it is subject only the laws and jurisdiction of the Iipay Nation and not subject to regulation by DFI.

Arrow One, LLC d/b/a Arrow One Lending is not licensed by DFI. This entity is not registered to conduct business in Washington State by the Department of Revenue or the Secretary of State.

Washington residents are advised that state law provides in RCW 31.45.105(1)(d) and (3) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State.

Arrow One, LLC d/b/a Arrow One Lending has been associated with the following web address:, telephone number: (855) 836-3647, fax: (855) 727-0530, email address:, and mailing address: PO Box 648, Santa Ysabel, CA 92070.

File a Complaint

If you have a complaint against Arrow One, LLC d/b/a Arrow One Lending, you may wish to contact:

Arrow One, LLC
PO Box 648
Santa Ysabel, CA 92070

Verify Licenses

DFI strongly recommends that consumers deal only with those lenders that are properly licensed to conduct business. Consumers can determine whether lenders are properly licensed using the “Verify a License” feature on the DFI’s website at

Payday Loan Debt Collection Laws

Washington State law prohibits threatening or harassing behavior by individuals attempting to collect a debt. The federal Fair Debt Collection Practices Act states that debt collectors must send consumers a written notice within five days of the first collection phone call, stating the amount of the debt and what it relates to.

Debt collectors cannot state or imply that failure to pay a debt is a crime. They cannot call before 8:00 a.m. or after 9:00 p.m. They cannot harass or abuse consumers, or contact consumers’ place of employment.

Report Violators

If you are suspicious of unlicensed activity by a payday lender, please contact DFI at 1-877-RING-DFI (746-4334) or online at

If you feel you have been the victim of a loan scam please contact the Federal Trade Commission at 1-877-FTC-HELP (382-4357), or online at You can also contact the Consumer Financial Protection Bureau (855) 411-CFPB (2372), or online at

If you feel you have been the victim of a loan scam involving the Internet, please contact the Internet Crime Complaint Center at


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