ZocaLoans Watchlist
Rosebud Sioux Tribe (Rosebud Lending LZO) · lending since 2017
The non-tribal company that actually ran ZocaLoans — 777 Partners — was charged by the SEC in 2025 over an alleged ~$500M fraud and put into receivership. That is who was behind your loan.
ZocaLoans at a glance
- Owning tribe
- Rosebud Sioux Tribe (Rosebud Lending LZO)
- Lending since
- 2017
- Loan amounts
- $200–$1,500
- APR range (reported)
- 700–795%check date not recorded
- Product
- installment
- Website
- zocaloans.com
What a ZocaLoans loan really costs
ZocaLoans lends $200–$1,500 over up to about 12 weeks, at APRs borrowers report reaching nearly 700–795%, plus $25 late and $25 NSF fees.
It holds itself out as a sovereign enterprise of the Rosebud Sioux Tribe (Rosebud Lending LZO), but litigation alleges the actual operators were the non-tribal 777 Partners and Tactical Marketing Partners, with the tribe receiving a small revenue share.
- Small loans ($200–$1,500) limit how deep you can go.
- Next-business-day funding.
- APRs up to ~795%; $25 late and $25 NSF fees.
- Operated by 777 Partners, now SEC-charged and in receivership.
- Named in the Al-Nahhas rent-a-tribe case; arbitration bid lost at the 7th Circuit.
- The Rosebud Sioux Tribe reportedly received only a small share of revenue.
Skip ZocaLoans if…
- You live in a state it does not lend to: Arkansas, Colorado, Connecticut, Georgia and 11 more.
- You need a lender we can confirm is still making loans — its status is unconfirmed.
- You want to see the APR before you apply — it publishes none; the rate appears only in the agreement.
Where ZocaLoans lends
ZocaLoans lends in roughly 37 states, excluding those above plus the District of Columbia.
By its own terms, ZocaLoans does not lend to residents of:
Does ZocaLoans report to credit bureaus?
ZocaLoans underwrites on alternative data and shows no confirmed reporting of on-time payments to the major bureaus, so it will not build credit.
Who actually ran ZocaLoans — and why it matters
The Rosebud Sioux Tribe’s own BBB profile confirms ZocaLoans is one of its trading names — Rosebud Lending LZO — on the same F-rated file (205 complaints) as Sunny Day Lending, Three Sticks, MyQuickWallet and the rest. But the tribe’s name is the wrapper, not the operator.
In Al-Nahhas v. 777 Partners LLC (N.D. Ill.; 7th Cir. No. 23-2723), a borrower who took four ZocaLoans at rates up to ~700% alleged a rent-a-tribe scheme in which 777 Partners and Tactical Marketing Partners — non-tribal, Miami-based firms — ran the operation while the Rosebud Sioux Tribe was paid a "pittance."
On February 19, 2025 the Seventh Circuit ruled the defendants had waived arbitration through their litigation conduct, sending the case back to the district court.
777 Partners is not an obscure shell. In the years around this litigation it became internationally known for a string of attempts to buy European football clubs. Its co-founder, Joshua Wander, was the same man the SEC and federal prosecutors would later charge.
Then the operator collapsed: on October 16, 2025 the SEC charged 777 Partners with defrauding investors (raising ~$237M), its founder was indicted in an alleged ~$500M fraud, and the firm entered receivership.
A lender whose true operator is an alleged half-billion-dollar fraud in receivership carries unusual solvency and accountability risk — check the status of any ZocaLoans debt carefully before paying.
What ZocaLoans costs in dollars
ZocaLoans's highest reported APR 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 |
|---|---|---|---|
| $200 | $133 | $1,594 | $1,394 |
| $900 | $598 | $7,171 | $6,271 |
| $1,500 | $996 | $11,952 | $10,452 |
At 795%, a $200 balance accrues about $133 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
Is ZocaLoans still operating?
Its status is uncertain. The non-tribal company that ran it, 777 Partners, was charged by the SEC in October 2025 and placed in receivership, and its founder was criminally indicted. If you have a ZocaLoans debt, verify who holds it and whether it is enforceable in your state before paying.
What tribe is behind ZocaLoans?
It holds itself out as an enterprise of the Rosebud Sioux Tribe (Rosebud Lending LZO), but litigation alleges the real operators were the non-tribal 777 Partners and Tactical Marketing Partners, with the tribe receiving only a small share.
What is the APR on a ZocaLoans loan?
Borrowers report rates up to about 795%, plus $25 late and $25 NSF fees. Read the APR box in your own agreement.
Is ZocaLoans a tribal loan?
Yes. ZocaLoans 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 license. It is also why its APR reaches 700–795% — 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 loan from ZocaLoans cost?
ZocaLoans lends $200–$1,500 at 700–795% APR (reported — ZocaLoans does not publish its rate). 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 from ZocaLoans 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. ZocaLoans 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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