Lendumo review: is Lendumo legit?
The Lac du Flambeau Band (Lake Superior Chippewa Indians) owns Lendumo, so it lends as a tribal lender.
- APR
- Not published
- Amounts offered
- up to $2,500
- States
- Not listed
- Complaints to the CFPB
- 1,016counts every LDF Holdings product
- Enforcement actions
- 5
Lendumo on file
- Owner
- Niswi, LLC, a tribal business of the Lac du Flambeau Band (Lake Superior Chippewa Indians, Wisconsin)
- Issued by
- Niswi, LLC does business under the name Lendumo
- Tribe
- Lac du Flambeau Band (Lake Superior Chippewa Indians)
- Product
- Installment loans with short terms
- Cap on a first loan
- $2,000
- Credit checks
- The lender accepts applicants with good, bad, or no credit and gathers data from credit bureaus
- Time to get the money
- Weekday approval earlier than 6:00 p.m. CST means next-business-day funding; ask for free Real-Time Funding, or receive it automatically with weekday-evening and weekend online approvals.
Taken from what Lendumo publishes, CFPB complaint counts and public enforcement files. All sources are listed at the foot of the page
Good to know about Lendumo
- As a Lac du Flambeau Band business in Wisconsin, it is run by Niswi, LLC.
- No APR is published; court records show Lendumo loans range from 550% to 795% APR.
- Repeat customers can borrow up to $2,500, and an archived FAQ puts the limit for a first loan at $2,000.
- Its loans were covered by the 2024 Fitzgerald v. Wildcat settlement: unpaid 2016-2023 loans were cancelled and a fund of $37.35 million was set up
- Borrower suits against Lendumo have occurred repeatedly in Illinois, Indiana, and Kentucky; in 2026, a federal court in Kentucky ordered one case to arbitration.
States where Lendumo lends
The Lendumo pages we read give no list of states (its FAQ). Ask which license covers your state and check it on NMLS Consumer Access before you share bank details.
Lendumo complaints and lawsuits
The CFPB database lists 1,016 complaints naming LDF Holdings, LLC, a count for the whole company rather than Lendumo alone. Most common issues: unexpected fees or interest were charged to you; you are having trouble making payments on your loan; trouble occurred with the payoff process when the loan ended. Check the CFPB count
- 2023 · US Supreme CourtA lawsuit named Lac du Flambeau Band v. In Coughlin, the dispute concerned Lendgreen, the tribe's sister lender: the Bankruptcy Code removes tribal immunity, allowing a borrower's stay-violation claim to go forward. Source
- 2024 · US District Court, Western District of VirginiaThe case Fitzgerald v. Wildcat class action over tribal loans from LDF, with Niswi loans among them. The settlement created a fund of $37.35 million and cancelled unpaid 2016-2023 loans; approval came in December 2024. Source
- 2024 · US District Court, Northern District of IllinoisThe suit Gonzalez v. Niswi: a group of borrowers filed a class action against Niswi (Lendumo), LDF Holdings, and others concerning Lendumo loans. Source
- 2025 · US District Court, Southern District of IndianaA lawsuit titled Taylor v. Niswi: a borrower brought suit against Niswi, trading as Lendumo, LDF Holdings and others; the defendants asked the court to force arbitration. Source
- 2026 · US District Court, Western District of KentuckyA suit named Wood v. Niswi: a class action claimed Kentucky laws were broken by loans carrying 550% to 795% APR; the court ordered arbitration and paused the lawsuit. Source
Want a cheaper loan than Lendumo?
Talk to a specialist about lower-cost choices in your state, credit union loans included. Talk to someone about cheaper options: 855.947.5189
This line reaches a debt and loan options specialist. We are not Lendumo and cannot reach your Lendumo account.
Lendumo alternatives: loans like Lendumo
| Lender | Type | APR | Amounts | States named | CFPB complaints |
|---|---|---|---|---|---|
| Lendumo (this record) | Tribal lender | – | up to $2,500 | – | 1,016counts all of LDF Holdings |
| American Web Loan | Tribal lender | – | $300 to $2,500 | 43 | None filed |
 Minto Money | Tribal lender | – | $200 to $3,000 | 41 | 207 |
 MaxLend | Tribal lender | – | up to $3,750 | 35 | 134 |
 BrightLending | Tribal lender | 325% to 725% | $300 to $3,000 | 41 | None filed |
– means the company does not publish it. Complaint counts are totals, not rates: a bigger company draws more. Open any name for its full record.
Questions about Lendumo
Is Lendumo legit?
A tribal lender called Lendumo belongs to the Lac du Flambeau Band of Lake Superior Chippewa Indians. We located 5 government or court actions; additionally, the CFPB complaint database contains 1,016 complaints under LDF Holdings, LLC.
Who owns Lendumo?
The Lac du Flambeau Band of Lake Superior Chippewa Indians of Wisconsin owns the business entity Niswi, LLC. Niswi, LLC dba Lendumo is the lender listed on the loan.
Does Lendumo check your credit?
According to Lendumo, they accept applicants with good, bad, or no credit and gather data from credit bureaus.
How fast does Lendumo send the money?
Lendumo says weekday approvals made ahead of the 6:00 p.m. CST cutoff get the money the next working day. Real-Time Funding is free on request, or automatic when you are approved online on a weekday evening or at the weekend.
Has Lendumo been sued or fined?
2023, US Supreme Court: the case Lac du Flambeau Band v. Coughlin involved Lendgreen, the tribe's sister lender, and ruled that the Bankruptcy Code strips tribal immunity, allowing a borrower's stay-violation claim to proceed. 2024, in the US District Court, Western District of Virginia: the case Fitzgerald v. Wildcat class action over tribal loans from LDF, with Niswi loans among them. The settlement created a fund of $37.35 million and cancelled unpaid 2016-2023 loans; approval came in December 2024. 2024, US District Court, Northern District of Illinois: the case Gonzalez v. Niswi: a group of borrowers filed a class action against Niswi (Lendumo), LDF Holdings, and others concerning Lendumo loans. 2025, US District Court, Southern District of Indiana: the suit Taylor v. Niswi: a borrower brought suit against Niswi, trading as Lendumo, LDF Holdings and others; the defendants asked the court to force arbitration. 2026, US District Court, Western District of Kentucky: Wood v. Niswi: a class action claims Kentucky law was broken on loans carrying 550% to 795% APR; the court forced arbitration and stayed the case.
Where the Lendumo facts come from
- Owner: the Lac du Flambeau Band business entity known as Niswi, LLC, doing business as Lendumo; Credit: they collect information from credit bureauslendumo.com
- Federal law, as adopted by the tribe, serves as the governing law; This is the highest amount available to customers who have borrowed before; The site does not publish an APR; the loan agreement reveals itlendumo.com
- This is the highest loan amount allowedlendumo.com
- Maximum for a first loan (snapshot from an archived FAQ)web.archive.org (archived copy of lendumo.com)
- Total complaints in the CFPB database for LDF Holdings, LLC (the lending holding company of the tribe and co-defendant with Niswi)consumerfinance.gov
- A CFPB search for the company 'Lendumo' yields no resultsconsumerfinance.gov
- A Supreme Court case concerned a sister business belonging to this same tribe; Ruling by the Supreme Court (June 15, 2023)supremecourt.gov
- Fitzgerald v. Wildcat opinion includes a named plaintiff who took a loan from Niswilaw.justia.com
- The case Fitzgerald v. The Wildcat settlement includes loans from LendUMo; The case Fitzgerald v. Fund created by the Wildcat settlement; The case Fitzgerald v. Wildcat: cancellation applied to unpaid loansconsumerloansettlement.com
- A lawsuit named Gonzalez v. The Niswi defendants (N.D. Ill. case number 3:24-cv-50038, with a filing date of January 25, 2024)dockets.justia.com
- A suit titled Taylor v. Niswi case (S.D. Ind. filed May 12, 2025, as case 1:25-cv-00918)dockets.justia.com
- A lawsuit named Wood v. Niswi: the court described the loan APRs; A suit titled Wood v. Niswi: Lendumo asserts it acts as an arm of the tribe; A case named Wood v. Niswi outcome (June 22, 2026)law.justia.com