First Day Loan Watchlist
Wakpamni Lake Community Corp. (Oglala Sioux)
First Day Loan and Fast Day Loans are the same LLC. Not sister companies — the same entity, "WLCC Lending FDL", trading under two names one letter apart. If you were choosing between them, there was never a choice to make. It is the clearest single example of how this operator turns one lending license into a wall of storefronts.
First Day Loan at a glance
- Owning tribe
- Wakpamni Lake Community Corp. (Oglala Sioux)
- Lending since
- Unknown
- Loan amounts
- Never disclosed
- APR range
- Never disclosed
- Product
- installment
What a First Day Loan loan really costs
First Day Loan publishes no rate we could verify. We state none.
What is unusually well documented is that First Day Loan and Fast Day Loans are one entity.
The Wakpamni BBB profile lists "WLCC Lending FDL dba First Day Loan" and "WLCC Lending FDL dba Fast Day Loans" as two trading names of the same suffixed LLC. And BROWN v. WLCC LENDING FDL d/b/a FAST DAY LOANS (S.D. Ind. 1:22-cv-00774) confirms the FDL entity in a court caption.
The family’s disclosed pricing is the only cost guide: EnableLoans at 897.4762% APR, Bison Green at $460.41 on a $200 loan. First Day Loan shares the operator; the binding number is in your own agreement.
- Ownership is documented in a federal case caption
- Publishes no APR, loan range or fees we could find
- Shares one LLC with Fast Day Loans — two names, one entity
- The FDL entity is a named RICO defendant
- Its listed sibling EnableLoans discloses 897.4762% APR
Skip First Day Loan 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.
Where First Day Loan lends
No published excluded-state list we could find. The Wakpamni family typically excludes South Dakota.
Does First Day Loan report to credit bureaus?
No evidence of reporting to the main bureaus.
Underwriting runs through specialty bureaus; default can reach the main three via a collector.
Apex Servicing, on the same BBB file, is the family collections arm.
One LLC, two names, one letter apart
FDL is First Day Loan and Fast Day Loans. The same suffixed LLC — WLCC Lending FDL — trades as both, which the Wakpamni BBB file states outright by listing the two d/b/a names against the identical entity.
This is the technique in miniature. A borrower who distrusts "Fast Day Loans" and picks "First Day Loan" instead has changed nothing: same underwriting, same servicing, same collections, same court exposure. The near-duplicate names are not sloppiness; they are coverage, catching slightly different searches while pointing at one operation.
Multiply it by 45 and you have the whole Wakpamni model. The litigation decodes the suffixes one by one — BGL, FDL, FFG, FHC, JEM, GEG — and each is another storefront on the same corporation, which has faced RICO actions steadily since 2021.
Frequently asked questions
Is First Day Loan the same as Fast Day Loans?
Yes — literally the same LLC. The Wakpamni BBB profile lists both "WLCC Lending FDL dba First Day Loan" and "WLCC Lending FDL dba Fast Day Loans" as trading names of one entity, WLCC Lending FDL.
Who owns First Day Loan?
The Wakpamni Lake Community Corporation, an Oglala Sioux entity, via the WLCC Lending FDL LLC — confirmed by both the BBB profile and the BROWN v. WLCC Lending FDL court caption (S.D. Ind. 1:22-cv-00774).
What APR does First Day Loan charge?
None is published that we could find. Its sibling EnableLoans discloses 897.4762% APR. Trust only the TILA box in your signed agreement.
Is First Day Loan a tribal loan?
Yes. First Day Loan is a tribal lending brand owned by the Wakpamni Lake Community Corp. 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 loan from First Day 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. First Day Loan 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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