Published
November 7, 2026
People who took out an online loan from Lendgreen, Radiant Cash or another LDF tribal lending company between July 24, 2016 and October 1, 2023 may receive a cash payment from a $16.5 million settlement with Vivus Servicing, 4finance and MoneyLion, paid automatically to borrowers who cashed their earlier Fitzgerald settlement check. The court will consider final approval on February 18, 2027.
Current Status
The court granted preliminary approval on October 16, 2026, and the final approval hearing is set for February 18, 2027. There is no claim form. Class members who cashed their check from the first LDF settlement (Fitzgerald v. Wildcat) are paid automatically if the settlement is approved, and those who never cashed that check must ask the administrator for payment. The deadline to opt out or object is January 4, 2027. No payments have been made yet; the notice says they will go out about 90 days after final approval and the end of any appeals.Free settlement alerts
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Status
Pending Final Approval
Preliminary approval granted October 16, 2026
Opt-Out Deadline
January 4, 2027
Postmark date · also the objection deadline · no claim deadline
Estimated Payout
Varies by state and loan
$16.5M fund · pro rata share of principal or above-cap interest paid
Proof Required
Automatic Payment
Automatic for cashed Fitzgerald checks · others request payment with a Notice ID
What Changed Recently?
This is a second settlement for the same group of borrowers covered by the first LDF consumer loan settlement. That case, Fitzgerald v. Wildcat in the Western District of Virginia, won final approval in December 2024. According to the complaint, it required repayment of more than $37 million and cancellation of more than $1.4 billion in loans made by lending companies of the Lac du Flambeau Band of Lake Superior Chippewa Indians. The complaint says other companies and people involved in the lending were not identified until August 2024 and were excluded from that settlement.The borrowers then sued those additional parties in the Eastern District of Virginia. The defendants who agreed to settle were split into a separate case, Bradby v. Vivus Servicing, Ltd., which was filed on July 15, 2026. The settling defendants are Vivus Servicing Ltd., AS 4finance Ltd., MoneyLion Technologies Inc. and four individuals the complaint describes as current or former executives of those companies. The plaintiffs allege that Vivus and 4finance ran the lending operations behind Lendgreen, and that MoneyLion and affiliated companies funded and operated Radiant Cash. The complaint alleges that these lenders charged interest above state limits in violation of RICO and state law.
The settling defendants deny any wrongdoing or liability. They argue that they did not make the loans, that the Tribe owns and runs the LDF lending companies, and that the loans are legal because tribal law governs them and borrowers agreed to that. Judge Roderick C. Young granted preliminary approval on October 16, 2026, after ruling from the bench the day before. The claims against defendants who did not settle continue in the original Bradby case.
Who Qualifies?
The settlement class is every person in the United States who signed a loan agreement with any LDF lending company between July 24, 2016 and October 1, 2023. That is the same class period as the first LDF settlement. The court-approved notice lists these lending companies:• L.D.F. Business Development Corporation and LDF Holdings, LLC
• Lendgreen, LendUMo, Zfunds and Makwa Financial
• Brightstar Cash, National Small Loan, and Bear Claw Lending and Stone Lake Lending
• Sky Trail Cash, Loan at Last, Nine Torches and Bridge Lending Solutions
• Lakeshore Loans, UbiCash, Cash Aisle and MitigCapital
• Avail Blue, Evergreen Services, Blue River Lending, Quick Help Loans (Greenline) and Radiant Cash
The class covers borrowers of all of these lenders, not just Lendgreen and Radiant Cash, the two lenders the settling defendants are alleged to have worked with. The notice says anyone who received it has already been identified as a class member and stays in the class unless they opt out.
How Much Can You Get?
No per-person estimate has been published. Each cash award is a pro rata share of what is left of the $16.5 million fund after attorneys' fees, service awards for the named plaintiffs, and notice and administration costs. The notice says the fund cannot repay everyone in full. The amount depends on the borrower's state of residence when the loan was taken out, and on either the principal paid or the interest paid above that state's legal limit. The official site posts the state-by-state rates used in the calculation, and its Estimated Award Eligibility page is scheduled to go live by December 15, 2026.The notice says these class members get no cash payment, though they still receive the settlement's other benefits:
• Borrowers who made no payments on their LDF loan.
• Residents of Arizona, Colorado, Connecticut, Idaho, Illinois, Indiana, Kansas, Kentucky, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, South Dakota, Vermont or Virginia who paid no more than the loan principal.
• Residents of Alabama, Alaska, California, Delaware, Florida, Georgia, Hawaii, Iowa, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Nebraska, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Washington, Washington, D.C., or Wyoming who paid no interest above their state's legal limit.
• Residents of Utah or Nevada, which have no interest rate caps.
Apart from cash, the settling defendants agree that for three years they will not knowingly provide capital, services or other help to any LDF lending company or its known successors. They also agree not to knowingly assist in collecting any class-period LDF loan, including collection attempts by third parties, whether or not the borrower made payments on it. These payments are in addition to anything paid in the first LDF settlement. The notice also says more money may come later from claims still pending against defendants who did not settle.
What Proof or Notice ID Is Required?
Class members who cashed their First LDF Settlement check need no proof. They are paid automatically by the same method used in Fitzgerald, unless they choose a different payment method on the official site.Class members who were owed money in the first settlement but never cashed that check are not paid unless they submit a request for payment. The request must include their name, the Notice ID printed on the notice, a current mailing address, and an email address or phone number. The official site's Request for Payment / Select Payment Method page asks for the Notice ID and a PIN. The notice also lists an email address and a mailing address for requests.
What Is the Deadline?
There is no claim deadline. The notice and the preliminary approval order set two deadlines:• Opt-out: a written exclusion request must be mailed to the administrator and postmarked by January 4, 2027.
• Objection: objections must be filed with the court by January 4, 2027 and served on class counsel and defense counsel, postmarked by the same date.
The notice gives no separate deadline for requests for payment from class members who never cashed their Fitzgerald check. Neither source gives a time zone.
How Do You Take Action?
Class members who cashed their Fitzgerald check do not need to do anything to stay in the settlement and receive any payment they are owed. The administrator mails checks to the address on the notice, and the official site has an Update Address page for anyone who has moved. Other class members can request payment or choose a payment method on the Request for Payment page, where the Notice ID and PIN from the notice are required.Opting out ends any right to a payment from this settlement. It is the only way to keep the right to sue the released parties separately over the same claims. The exclusion form and the full settlement agreement are on the site's Important Court Documents page.
What Happens Next?
Judge Young will hold the final fairness hearing on February 18, 2027 at 11:00 a.m. in Richmond, Virginia. Under the preliminary approval order, the motion for final approval is due at least 30 days before the hearing, and the administrator must file a declaration confirming notice and listing opt-outs at least 30 days before it. The court can move the hearing without mailing a new notice, and any change will be posted on the official site. If the settlement is approved, the notice says payments go out about 90 days after final approval and the end of any appeals. No payment date has been announced.Sources and Verification
• Official settlement website, including its FAQ and Key Dates pages• Court-approved long-form notice (PDF)
• Bradby v. Vivus Servicing, Ltd., No. 3:26-cv-00633-RCY-MRC (E.D. Va.): class action complaint (ECF No. 2) and motion for preliminary approval (ECF No. 3), both filed July 15, 2026, and the order granting preliminary approval (ECF No. 11), entered October 16, 2026
• OCA's coverage of the first LDF consumer loan settlement (Fitzgerald v. Wildcat, No. 3:20-cv-00044, W.D. Va.)
Questions
Can borrowers paid in the Fitzgerald LDF settlement be paid again?
Yes. The notice says payments from the Bradby settlement are in addition to any payment a class member received in the First LDF Settlement (Fitzgerald v. Wildcat). The Bradby case was brought against different defendants who were not part of that earlier settlement.
What happens to borrowers who never cashed their Fitzgerald check?
They are not paid automatically. Under the notice, a class member who was owed money in the First LDF Settlement but did not cash that check receives a Bradby payment only after submitting a request for payment to the settlement administrator, online at consumerloansettlement2.com or by the other methods listed in the notice, with a name, Notice ID and current mailing address.
Which LDF borrowers receive no cash from the Bradby settlement?
The notice lists four groups: borrowers who made no payments on their LDF loan; residents of 19 states (including Illinois, North Carolina, Ohio and Virginia) who paid no more than the loan principal; residents of 26 states and Washington, D.C. (including California, Florida, Michigan and Texas) who paid no interest above their state's legal limit; and residents of Utah or Nevada, which have no interest rate caps. These class members still receive the settlement's non-cash benefits.
Does the Bradby settlement cancel LDF loan balances?
The notice does not describe any new balance cancellation. The settling defendants agree that for three years they will not knowingly provide capital, services or other assistance to the LDF lending companies, and will not knowingly assist in collecting any class-period LDF loan, whether or not the borrower made payments on it. The earlier Fitzgerald settlement is the one that addressed loan cancellation.
How much of the $16.5 million goes to lawyers and named plaintiffs?
Class counsel may ask the court for attorneys' fees of up to one-third of the fund, or no more than $5.5 million, and will ask for a $10,000 service award for each of the 24 named plaintiffs. The court decides the final amounts, and notice and administration costs are also paid from the fund before class members are paid.
Official Settlement Notice
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Settlement Amount
$16,500,000
Case Title
Bradby v. Vivus Servicing, Ltd.
Case Number
3:26-cv-00633-RCY-MRC
Court
U.S. District Court, Eastern District of Virginia (Richmond Division)
Final Approval Hearing
February 18, 2027 at 11:00 AM
Before Judge Roderick C. Young
Administrator
American Legal Claims Services, LLC
Official Website
Consumer Loan Settlement 2
