Black Hills Credit Watchlist
Rosebud Sioux Tribe (REDCO) — per its BBB profile
Named in court records as the entity behind Cascade Springs Credit (BLACKWELL, S.D. Ind. 1:25-cv-01500; Hall, N.D. Ill. 1:26-cv-01350). Frohlich v. Black Hills Credit (N.D. Ill. 1:25-cv-08394, terminated February 2026) names Velocity Ventures Group and Galt Financial Solutions as co-defendants — non-tribal entities. Despite the Black Hills name, no primary source we found establishes tribal ownership.
Black Hills Credit at a glance
- Owning tribe
- Rosebud Sioux Tribe (REDCO) — per its BBB profile
- Lending since
- Unknown
- Loan amounts
- Never disclosed
- APR range
- Never disclosed
- Product
- installment
Skip Black Hills Credit if…
- You need a lender we can confirm is still making loans — its status is unconfirmed.
- You want to know the price before you apply — we found no rate it has ever published.
Because Black Hills Credit never published one that we could verify, and we do not print figures we cannot source. Comparison sites quote APRs for brands like this routinely; we went looking for where those numbers come from and could not find an origin for them.
What we can show you is the record: who the courts and regulators say is behind the brand, and whether any of it cancels your balance. If you hold an agreement from this lender, the TILA box inside it is the only rate that means anything — and it is worth keeping.
Frequently asked questions
Is Black Hills Credit a tribal loan?
Yes. Black Hills Credit is a tribal lending brand owned by the Rosebud Sioux Tribe in SD. That means it lends under tribal law and claims sovereign immunity from your state's interest-rate cap, rather than holding a state lending license. It has never published an APR we could source, which is itself a warning sign. Whether the loan is enforceable where you live depends on your state.
Is a Black Hills Credit loan legal in my state?
It depends entirely on your state. High-cost tribal loans are effectively banned in nine states, where a loan above the rate cap can be void and not legally collectible, and restricted in many more. Black Hills Credit claims tribal sovereign immunity from those caps — an argument courts have accepted in some cases and rejected in others. Check your state before you borrow, and especially before you pay a collector.
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