Sunny Day Lending Active
Rosebud Sioux Tribe (Rosebud Lending dba) · lending since 2022
Sunny Day Lending’s FAQ contains a sentence worth reading twice: "State laws and interest rate regulations do not apply to this lender." That is not our characterisation of tribal lending — it is the company describing, in writing, the entire reason it exists. It also declines to lend in South Dakota, where the tribe that owns it is located.
Sunny Day Lending at a glance
Active- Owning tribe
- Rosebud Sioux Tribe (Rosebud Lending dba)
- Lending since
- 2022
- Loan amounts
- $300–$2,500
- APR range
- 400–795%
- Product
- installment
- Website
- sunnydaylending.com
What a Sunny Day Lending loan really costs
The clearest picture of what a Sunny Day loan does comes from a complaint on the shared BBB file: a $300 loan on which each scheduled payment moved just $10 to principal. Everything else was finance charge.
At that allocation, thirty payments retire the principal — and by then the borrower has paid multiples of what they received. This is the defining property of triple-digit-APR instalment lending: the payment schedule is not designed to end, it is designed to renew.
Sunny Day discloses APRs in the range of roughly 400–795% depending on amount and term. On a $300 loan at the middle of that band, the finance charge over a standard term exceeds the principal well before the final payment.
Paying extra above the scheduled amount is the only mechanism that changes the outcome, because it is the only way to attack principal. Every scheduled payment, by design, mostly does not.
- Funding is fast — typically the next business day after approval
- No hard credit pull, so applying does not affect a conventional credit score
- States its position on rate caps openly rather than hiding it in fine print
- Tells borrowers in writing that state interest-rate law "does not apply" to it
- Excludes 18 states — including South Dakota, its own owner’s home state
- Shares a BBB file rated F with 205 complaints, 8 of them unanswered
- On a documented $300 loan, only $10 of each payment reached principal
- Sits inside the Rosebud/Green Arrow group, which faces multiple federal class actions
Where Sunny Day Lending lends
Eighteen states, and South Dakota is on the list. Sunny Day is a dba of Rosebud Lending, owned by the Rosebud Sioux Tribe of South Dakota. The company argues state rate law cannot reach it — then declines to test that argument at home.
By its own terms, Sunny Day Lending does not lend to residents of:
Does Sunny Day Lending report to credit bureaus?
No reporting to Equifax, Experian or TransUnion. On-time repayment builds nothing.
Applications and repayment history run through alternative bureaus such as Teletrack and Clarity.
Charged-off balances may be placed with third-party collectors, who can report to the main bureaus — so the downside reaches your credit file even though the upside never does.
The sentence in the FAQ
Most tribal lenders gesture at sovereignty with careful phrasing: "governed by tribal law," "not subject to the laws of your state." Sunny Day states it flatly — its FAQ tells borrowers that state laws and interest-rate regulations do not apply to it.
Whether that is true is exactly the question courts have been working through for a decade, and the answer has repeatedly been "not the way lenders claim." Sovereign immunity protects a tribe and its arms; it has not reliably protected loans made to residents of states where the rate exceeds the cap.
In nine states, such loans are void outright — the borrower owes nothing, regardless of what any FAQ says.
Treat that sentence as useful information rather than a legal conclusion. It tells you what the company will argue if you dispute the debt. It does not tell you what a court will hold.
The shared complaint file
Sunny Day does not have a standalone BBB record. It shares a file with Rosebud Lending and Green Arrow Loans — the same tribal lending operation trading under several front-end brands.
That combined file carries an F rating with 205 complaints, 8 of which went unanswered. The unanswered ones matter more than the rating: they show a business that does not always respond even when a public regulator-adjacent forum asks it to.
Practically, the shared file also means comparison-shopping between Sunny Day, Rosebud and Green Arrow is not comparison-shopping. Different homepage, same underwriting, same collections, same complaint history.
What Sunny Day Lending costs in dollars
Sunny Day Lending's published ceiling is 795% APR. Below is what that rate does to the amounts it actually lends, repaid over 12 monthly payments.
| You borrow | Monthly | Total repaid | Interest |
|---|---|---|---|
| $300 | $199 | $2,390 | $2,090 |
| $1,400 | $930 | $11,155 | $9,755 |
| $2,500 | $1,660 | $19,920 | $17,420 |
At 795%, a $300 balance accrues about $199 in interest every month. Any payment below that figure leaves you owing more than you started with, however long you pay.
Standard amortisation 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
Does state law really not apply to Sunny Day Lending?
That is the company’s position, stated in its FAQ. It is not settled law. Tribal sovereign immunity protects the tribe as an entity, but courts have repeatedly allowed suits over loans made into states with rate caps, and in nine states such loans are void — meaning nothing is legally owed. Multiple federal class actions against the affiliated Green Arrow brand test exactly this claim.
Why won’t Sunny Day lend in South Dakota?
Sunny Day is a dba of Rosebud Lending, owned by the Rosebud Sioux Tribe of South Dakota. South Dakota caps consumer loan rates at 36% APR. The company excludes its own state rather than lend there at that cap — which is a meaningful signal about how much its pricing depends on rate caps not applying.
Is Sunny Day Lending the same as Green Arrow Loans?
They are separate brands run by the same Rosebud Sioux lending operation and share a single BBB file. If you were treating them as two independent offers, you were looking at one lender twice.
Is Sunny Day Lending a tribal loan?
Yes. Sunny Day 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 is also why its APR reaches 400–795% — 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 Sunny Day Lending loan cost?
Sunny Day Lending lends $300–$2,500 at 400–795% APR. At those rates the total repaid is typically several times the amount borrowed, because interest is front-loaded — check the total of payments, not the monthly figure.
Is a Sunny Day 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. Sunny Day 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.
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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.
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