Lender record · active brand

Sky Trail Cash review: cost, tribe, and state coverage

Sky Trail Cash is a short-term installment brand owned by the Lac du Flambeau Band of Lake Superior Chippewa and run through its LDF Holdings vehicle. Its public site is a JavaScript application that publishes no readable figures — amount, term, and APR all appear only inside the application flow and the loan agreement. The brand is a named covered party in the 2024 tribal settlement (Fitzgerald v. Wildcat, W.D. Va.) that paid $37.35 million in cash and cancelled roughly $1.4 billion in balances across more than twenty Lac du Flambeau-associated lenders.

skytrailcash.com/ · record verified 2026-11-09 · Index card updated 2026-09-15

The short answer: Sky Trail Cash is a tribal installment lender owned by Lac du Flambeau Band of Lake Superior Chippewa Indians (WI). It publishes no exclusion list, so state availability can only be confirmed with the lender, and its cost disclosure is not published — the loan agreement is the only real quote. Everything material — amount, rate, schedule — is unpublished until you are inside the application.

Amounts: Not published on publicly reachable pages — figures appear inside the application flow
Product: Short-term online installment loans with fixed payments
States excluded: n/p
Index score: 1.0/10

The disclosure score, itemized

Opaque — demand full written terms before anything else. The rubric and weights are public — read the methodology. What this record earns:

0/3 — Cost transparency. no public cost figures — the agreement is the only quote.
0/2 — State transparency. no published exclusion list — availability must be confirmed with the lender.
0/1 — Named regulator. no regulator named — disputes run through the agreement alone.
0/2 — Product clarity. amounts and schedule both unpublished.
1/2 — Standing. active, with litigation or regulator alert context on the record.

What Sky Trail Cash offers

Short-term online installment loans with fixed payments. Not published on publicly reachable pages — figures appear inside the application flow. Installment schedule set at approval; exact length not published.

The cost, with the math shown

No numeric APR published on publicly reachable pages — pricing is disclosed in the loan agreement before e-signing

Worked example at an illustrative 600% APR — Sky Trail Cash publishes no APR, the agreement is the disclosure: a $500 loan repaid biweekly over 5 months runs about $128.47 per payment — $1,413.20 total of payments, of which $913.20 is finance charge. Check that total, not the payment, against your budget.

Where it operates

Sky Trail Cash publishes no exclusion list — “availability may change” is the entire statement. That means neither we nor any review site can confirm service in your state; ask the lender directly and get it in writing.

Disputes: None named on publicly reachable pages — disputes governed by the loan agreement under tribal law.

Who it fits — and who should keep looking

Fits: Borrowers who have exhausted better-documented options and accept that this record’s pricing can only be read after applying.

Think twice: Everything material — amount, rate, schedule — is unpublished until you are inside the application. Treat any offer as a document to audit, not an offer to trust.

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Sky Trail Cash FAQ

How much does a Sky Trail Cash loan cost?

Sky Trail Cash publishes no APR — cost is disclosed only in the loan agreement. As a scale reference, $500 biweekly over 5 months at a market-typical 600% APR runs about $1,413.20 total. Demand the agreement’s payment table before signing.

Is Sky Trail Cash a direct lender?

Yes — it is a lending company owned by Lac du Flambeau Band of Lake Superior Chippewa Indians (WI), lending under tribal law with its own agreement and tribal-jurisdiction dispute terms.

Does Sky Trail Cash check credit?

Like most tribal lenders it underwrites primarily on verifiable income and banking history rather than a FICO score; a hard pull at application is not part of the published process. The loan generally is not reported to the major credit bureaus either.

Can I pay off a Sky Trail Cash loan early?

Early payoff terms are governed by the agreement; the tribal installment market norm is no prepayment penalty, but confirm the clause before signing.

Context: Operated by LDF Holdings for the Lac du Flambeau Band; named among the 20+ brands covered by the Fitzgerald v. Wildcat settlement (W.D. Va. 2024) — $37.35 million in cash relief plus roughly $1.4 billion in cancelled balances. The public site is a JavaScript application that yielded no readable text to automated capture (site unreachable at verification); the record rests on the settlement record and Wayback archived copies.

Where our numbers come from

Every fact above is transcribed from Sky Trail Cash’s own website or its archived copies (record verified 2026-11-09; source sweep September 2026 / september 2026). The worked example is computed from published figures or an explicitly labeled illustrative rate where the brand publishes none. This record is informational and is not affiliated with or endorsed by Sky Trail Cash.