Oxford Financial Services (Kashia) Honest Review for Bad Credit Borrowers

What Oxford Financial Services (Kashia) Offers

Oxford Financial Services (Kashia) is a tribal lender offering short-term installment loans, sometimes called payday installment loans, to borrowers with poor or bad credit. You can borrow between $300 and $1,500 as a first-time customer. Kashia operates as a sovereign enterprise owned by the Kashia Band of Pomo Indians of the Stewarts Point Rancheria, CA. The company does not perform a traditional credit check, so your credit score does not affect your eligibility. However, details about loan terms, repayment schedules, and funding speed are not publicly available. You apply online at their website (https://oxfordfunding.com), but you won’t find much transparency about what to expect in terms of costs or repayment.

The Real Cost: What You Could Pay

Oxford Financial Services does not disclose its APRs. This is a major red flag. Most reputable lenders post their rates upfront. For tribal lenders like Oxford/Kashia, APRs often range from 200% to over 700%—sometimes even higher. In one Bloomberg class action complaint, borrowers alleged APRs between 543% and 919%.

To put this in perspective: if you borrow $1,000 at a 543% APR for a year, you could end up repaying over $5,400 in interest alone. At 919%, that number soars even higher. This is far more expensive than payday loans from storefront lenders (often capped at 300%–400%), credit union payday alternative loans, or even some mainstream credit cards. Unlike some payday loans, these installment loans are paid back in scheduled payments, but the cost is still extremely high.

Fees for origination, late payments, or insufficient funds are not disclosed, making it difficult to know your full financial risk until after you’re approved.

Who Should (and Should Not) Use Oxford Financial Services

Oxford Financial Services (Kashia) is aimed at people who have very poor credit and may not qualify for loans elsewhere. If you have no other options and face a true emergency, this lender may approve you when others won’t. However, the extremely high cost and lack of transparency make this a risky choice. If you can qualify for a payday alternative loan from a credit union, a local lending circle, or even a secured credit card, those options are almost always less expensive and safer. If you’re considering this lender, be very clear about the risks and what you could end up owing.

Ratings and Reputation: What Borrowers Report

Oxford Financial Services (Kashia) is not accredited by the Better Business Bureau (BBB) and has no BBB rating. There are no Trustpilot reviews available, so there’s almost no independent customer feedback. This lack of public reviews is unusual, especially for a lender serving financially vulnerable people. Without reviews or ratings, it’s harder to know how they treat customers—another reason to be cautious.

Red Flags and Concerns

Several warning signs stand out with Oxford Financial Services (Kashia):

• APR Not Disclosed: Not stating the APR is a serious concern. You could be committing to a loan costing hundreds or thousands in interest without knowing the true rate.
• Regulatory Actions: The lender has been named in a Bloomberg class action lawsuit alleging APRs as high as 919%. There are also alerts from the Washington State Department of Financial Institutions and oversight from the California Department of Financial Protection and Innovation. These actions indicate a pattern of concern from both regulators and borrowers.
• Tribal Sovereign Immunity: As a sovereign tribal lender, Oxford/Kashia may claim immunity from state laws and consumer protections. If you have a dispute, your ability to sue or seek recourse may be limited.
• Lack of Transparency: Key information—like fees, late charges, and whether payments are reported to credit bureaus—is not available before you apply.

If you need fast cash and have bad credit, consider alternatives like credit union payday alternative loans or nonprofit emergency lenders before turning to a lender like this.

The Bottom Line: Pros and Cons

Oxford Financial Services (Kashia) offers quick access to cash with no credit check, which can be a lifeline if you have no other options. But the risks are significant. The APR is not disclosed, and evidence from lawsuits suggests it could be as high as 900%—meaning you could pay back far more than you borrow. The lender is not accredited, has no public reviews, and has been the subject of regulatory scrutiny and lawsuits over its practices. Tribal sovereignty may also limit your consumer protections if something goes wrong.

If you can qualify for a payday alternative loan, local credit union, or even an advance from your employer, those are likely to be much safer and cheaper. Only consider Oxford Financial Services (Kashia) if you have exhausted all other options and understand exactly how much you’ll pay for the loan.

Frequently Asked Questions

Does Oxford Financial Services (Kashia) disclose its APR?

No, Oxford Financial Services (Kashia) does not publicly disclose its APR. This is a significant red flag. Lawsuits allege rates between 543% and 919%, which means you could pay several times what you borrow in interest.

Are there any regulatory actions or lawsuits against Oxford Financial Services?

Yes. Oxford Financial Services (Kashia) has been named in a Bloomberg class action lawsuit alleging extremely high APRs. There are also state alerts and ongoing oversight by California’s financial regulator.

Does Oxford Financial Services report to the credit bureaus?

It is not stated whether Oxford Financial Services (Kashia) reports your payments to the credit bureaus. If you’re hoping to build credit, you may not benefit from taking out a loan with this lender.