Stone Lake Lending Watchlist
Lac du Flambeau Band (Naanan LLC)
If you borrowed from Stone Lake, read this. The Fitzgerald settlement lists "Naanan d/b/a Bear Claw Lending and Stone Lake Lending" among the LDF Tribal Corporations at §2.17, and the class at §2.30 covers loans from ANY of them between 24 July 2016 and 1 October 2023. But Stone Lake is not named in the class notice, which lists only 20 brands — so a Stone Lake borrower reading that notice would not find their lender and could reasonably conclude they were not covered. On the settlement text, they appear to be. Worth confirming with class counsel before assuming a balance is still owed.
Stone Lake Lending at a glance
- Owning tribe
- Lac du Flambeau Band (Naanan LLC)
- Lending since
- Unknown
- Loan amounts
- Never disclosed
- APR range
- Never disclosed
- Product
- installment
Skip Stone Lake Lending 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 Stone Lake Lending 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.
Court record and your Stone Lake Lending loan
- Fitzgerald v. Wildcat covers Stone Lake Lending loans made July 24, 2016 through October 1, 2023. By the same dates, a loan made on or after October 2, 2023 is outside it, and so is one made before July 24, 2016.
Stone Lake Lending has no start date on record. The date that counts is the origination date printed on your loan agreement — not when you last paid.
- Fitzgerald v. WildcatW.D. Va. — final approval Dec 2024 · 2024 — ~$1.4B in loans cancelled + $37.35M fund
If a collector is calling, read what to do before you pay anything.
Frequently asked questions
Is Stone Lake Lending a tribal loan?
Yes. Stone Lake Lending 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 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 Stone Lake 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. Stone Lake 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.
Independent registry: this lender did not pay to appear here and cannot pay to change the review. We take no lender money. How we score · Editorial standards