Loan at Last Watchlist
Lac du Flambeau Band (Niizhwaaswi LLC) · lending since 2016
Loan at Last is one of the few LDF brands that publishes real example APRs — around 690% — and if your loan predates October 2023, it was likely cancelled in the $1.4B Fitzgerald settlement.
Loan at Last at a glance
- Owning tribe
- Lac du Flambeau Band (Niizhwaaswi LLC)
- Lending since
- 2016
- Loan amounts
- $200–$3,000
- APR range
- 500–690%check date not recorded
- Product
- installment
- Website
- loanatlast.com
What a Loan at Last loan really costs
Loan at Last lends $200–$3,000 (a $1,000 first loan is typical) in bi-weekly installments. Unusually, it publishes concrete examples: a first-time loan around 690% APR, and a returning example of $500 at 500% repaid in 20 bi-weekly payments of $61.06.
Even with that transparency, the full range is only disclosed after you apply, and paying on schedule costs several times the amount borrowed.
- Publishes concrete example rates — rare transparency for a tribal lender.
- No prepayment penalty; loans up to $3,000.
- Pre-October 2023 loans were cancelled in the Fitzgerald settlement.
- Example APRs around 500–690%; the range is only shown after you apply.
- Repaying on schedule costs far more than the principal.
- Does not build credit with the major bureaus.
- Part of the Lac du Flambeau brand family named in class actions.
Skip Loan at Last if…
- You live in a state it does not lend to: Arkansas, Connecticut, Illinois, New Mexico and 6 more.
- You need a lender we can confirm is still making loans — its status is unconfirmed.
Where Loan at Last lends
Per its Availability & Rates page, Loan at Last also excludes the District of Columbia.
By its own terms, Loan at Last does not lend to residents of:
Does Loan at Last report to credit bureaus?
Loan at Last underwrites through alternative databases (Clarity/FactorTrust/MicroBilt family) and does not disclose furnishing on-time payments to the major bureaus, so it will not build credit.
Who owns Loan at Last, and the settlement
Loan at Last is operated by Niizhwaaswi, LLC, wholly owned by the Lac du Flambeau Band of Lake Superior Chippewa in Wisconsin — part of the same LDF Holdings family as Lendumo, Lendgreen, Makwa and Greenline.
What Loan at Last costs in dollars
Loan at Last's published ceiling is 690% APR. Below is what that rate does to the amounts it actually lends, repaid over 12 monthly payments.
| You borrow | Monthly | Total repaid | Interest |
|---|---|---|---|
| $200 | $115 | $1,386 | $1,186 |
| $1,600 | $924 | $11,088 | $9,488 |
| $3,000 | $1,732 | $20,789 | $17,789 |
At 690%, a $200 balance accrues about $115 in interest every month. Any payment below that figure leaves you owing more than you started with, however long you pay.
Standard amortization at the published ceiling rate; fees are not included, and your actual rate and term may differ. Run your own numbers in the payoff calculator.
Frequently asked questions
Do I still owe my Loan at Last loan?
If it was made between July 24, 2016 and October 1, 2023, it was likely cancelled under the Fitzgerald v. Wildcat settlement (cancellation is automatic for unpaid class loans, with cash relief dispatched within 60 days of the January 2025 effective date). Loans outside that window may still be owed.
What is the APR on a Loan at Last loan?
It publishes examples around 500–690% APR, but the exact figure appears only after you apply. A returning example is $500 at 500% over 20 bi-weekly payments of $61.06.
Is Loan at Last related to Lendumo?
Yes — both are Lac du Flambeau brands under LDF Holdings, alongside Lendgreen, Makwa and Greenline. They share the same settlement and holding structure.
Is Loan at Last a tribal loan?
Yes. Loan at Last is a tribal lending brand owned by the Lac du Flambeau Band in WI. 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 is also why its APR reaches 500–690% — far above the roughly 36% cap most states set for small loans. Whether the loan is enforceable where you live depends on your state.
What does a Loan at Last loan cost?
Loan at Last lends $200–$3,000 at 500–690% APR. Near the top of that range, the total repaid on a loan run to term is several times the amount borrowed — check the total of payments in your agreement, not the monthly figure.
Is a Loan at Last 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. Loan at Last 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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