Riverstone Lending Watchlist
Rosebud Sioux Tribe (REDCO)
Riverstone Lending is a Rosebud Sioux brand — and it is not River Valley Loans, which is Crow Creek Sioux, a different tribe and a different operator. The near-identical river names are the point: in an industry where one operator runs a dozen storefronts and unrelated operators pick lookalike names, telling two "River" lenders apart is genuinely hard, and getting it wrong changes who you are actually borrowing from.
Riverstone Lending at a glance
Watchlist- Owning tribe
- Rosebud Sioux Tribe (REDCO)
- Lending since
- Unknown
- Loan amounts
- Never disclosed
- APR range
- Never disclosed
- Product
- installment
- Website
- riverstonelending.com
What a Riverstone Lending loan really costs
Riverstone Lending publishes no rate we could verify, so we state none. The useful thing this page can do is stop you confusing it with a different lender.
Riverstonelending.com is listed among the Rosebud Lending websites on its BBB profile — so Riverstone is a Rosebud Sioux storefront, run by the Rosebud Economic Development Corporation, on the same F-rated file as Sunny Day, Three Sticks, ZocaLoans and MyQuickWallet.
River Valley Loans is a completely separate operation: a Crow Creek Sioux brand, run through Wahido Lending, whose own site publishes no APR and excludes South Dakota. Two tribes, two operators, two states — and river names one syllable apart.
If you are comparing "Riverstone" against "River Valley" as two options, understand that they are not two branches of one lender, nor interchangeable. They are separate tribal operations, each with its own complaint record and its own excluded states, and the rate in either case lives only in the agreement you sign.
- Ownership is documented on the Rosebud Lending BBB profile
- Publishes no APR, loan range or fees we could verify
- Shares the Rosebud family’s F-rated BBB file (205 complaints)
- Easily confused with the unrelated, Crow-Creek-Sioux River Valley Loans
Where Riverstone Lending lends
No published excluded-state list for Riverstone that we could find. Its Rosebud sibling Sunny Day excludes eighteen states including South Dakota; River Valley (the Crow Creek lookalike) excludes a different set.
Does Riverstone Lending report to credit bureaus?
No evidence Riverstone reports to Equifax, Experian or TransUnion.
The Rosebud family underwrites through specialty bureaus; a default can reach the main three via a collector.
Check which "River" lender a collector is actually claiming from — the operator determines your options.
Two "River" lenders, two tribes, two operators
Riverstone Lending and River Valley Loans sound like the same company. They are not, and the difference matters because it changes which tribe’s law, which complaint record and which excluded-state list applies to your loan.
Riverstone is Rosebud Sioux, one of the trading names on the Rosebud Economic Development Corporation’s BBB file. River Valley is Crow Creek Sioux, run through Wahido Lending — a brand that, like its sibling RiseUp Lending, hides its APR behind an "Availability & Rates" page that defines the term without stating a number.
This is the industry’s naming problem in miniature. Operators deliberately run families of similar-sounding storefronts, and unrelated operators reach for the same evocative words — rivers, valleys, mountains, pines. The result is a field where two lenders can look like siblings and share nothing, or look independent and be one company. When a brand name is your only clue, it is not a reliable one.
Frequently asked questions
Is Riverstone Lending the same as River Valley Loans?
No. Riverstone Lending is a Rosebud Sioux brand (Rosebud Economic Development Corporation); River Valley Loans is Crow Creek Sioux (Wahido Lending). Different tribes, different operators, different states — the similar river names are coincidental, or worse, a source of confusion.
Who owns Riverstone Lending?
The Rosebud Sioux Tribe, through its Rosebud Economic Development Corporation. Riverstonelending.com is listed among the websites on the Rosebud Lending BBB profile, an F-rated file with 205 complaints.
What APR does Riverstone Lending charge?
It publishes none we could verify. Comparable Rosebud brands run in the hundreds of percent. Rely only on the TILA box in your own agreement.
Is Riverstone Lending a tribal loan?
Yes. Riverstone Lending 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 licence. 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 Riverstone Lending 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. Riverstone Lending 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.
How this site works
We are an independent registry — not a lender, not a broker and not a lead generator. This lender did not pay to appear here and cannot pay to change what the review says. We take no money from any lender and sell no applications.
Entries are built from the lender's own published disclosures, tribal corporate and lending-authority records, federal and state court filings, and CFPB, FTC and state regulator actions. Of the 143 brands in the full list of tribal lenders, 41 are confirmed lending, 74 sit on a watchlist pending verification, and 28 have shut down. Where a figure cannot be sourced we leave it blank rather than estimate it — which is why some entries are deliberately incomplete.
Read how we score lenders and our editorial standards.