Radiant Cash Closed

What a Radiant Cash loan cost

Radiant Cash’s own rate disclosures do not survive in any source we could verify, so we do not state an APR for it. Minnesota’s Attorney General alleged 200% to 800% across the Lac du Flambeau operation, which is the honest range to hold in mind.

The settlement’s own numbers say more than a rate would. Roughly $1.4 billion in unpaid balances, across about 980,000 borrowers — well over a thousand dollars still outstanding per person, on loans that were mostly small when they started.

That gap between what people borrowed and what they still owed years later is the product working as designed. It is also why cancellation, not a refund, was the remedy that mattered.

What we will not tell you about why it closed

Radiant Cash’s domain still resolves — to an Amazon address that serves nothing. The last real capture is from March 2022. Its sibling Cash Aisle sits on a GoDaddy parking page, and Evergreen Services has no address record at all.

It would be easy to write that the Fitzgerald litigation shut these three down. No source establishes that, so we do not say it. What is documented is that Lac du Flambeau retired these brands while continuing to lend through others, notably Lendumo.

We flag this because the temptation to supply a tidy cause is exactly how bad facts enter this industry’s record. Elsewhere on this site we have traced confidently-repeated claims — a lender’s tribe, a lender’s APR — back to nothing but one affiliate site guessing and the rest copying. "We do not know why" is a worse story and a better answer.

The cancellation, and the date that limits it

Fitzgerald v. Wildcat (W.D. Va. 3:20-cv-00044) received final approval on 17 December 2024, effective 16 January 2025. It cancelled all unpaid Lac du Flambeau loans made between 24 July 2016 and 1 October 2023 — roughly $1.4 billion — and paid a $37.35 million cash fund to about 980,000 borrowers. No claim form.

A loan taken after 1 October 2023 is outside the window and was not cancelled.

The class sweeps in most of the LDF portfolio: Lendgreen, Lendumo, Makwa Finance, Brightstar Cash, Sky Trail Cash, Loan at Last, Bridge Lending Solutions, Blue River Lending, National Small Loan, Bear Claw, Nine Torches, Lakeshore Loans, Zfunds, UbiCash and others alongside Radiant Cash. If you borrowed from any of them in the window, the same cancellation applies.

The funding came from the non-tribal side: $2 million from tribal officials, $6.5 million from Skytrail Servicing and William Cheney Pruett, and $20 million from entities tied to Loan at Last.