Second LDF Online Loan Settlement: Lendgreen, Radiant Cash and Other Lenders

This settlement concerns the listed online lenders and loans during the class period. Receiving the notice means you were identified as a class member unless you choose to exclude yourself.

• You are in the Settlement Class if you obtained a loan from one of the listed LDF Lending Companies between July 24, 2016, and October 1, 2023.
• Cash eligibility is narrower. It depends on payments made on the loan and the law of the state where you lived when you took out the loan.

Whether you cashed the earlier First LDF Settlement check affects what you need to do for a cash award in this settlement.

• If you qualify for cash and cashed your check from the First LDF Settlement, the Settlement Administrator will send this payment automatically.
• If you were entitled to a First LDF Settlement payment but did not cash that check, you must submit a request for payment for this settlement.
• The notice does not state a deadline for submitting that request.

This request process applies to a person who was entitled to a payment in the First LDF Settlement but did not cash that earlier check.

• Submit the request online, by email with “Request for Payment” in the subject line, or by mail.
• Include your name, Notice ID, current mailing address, and an email address or telephone number.
• The notice does not say that loss records or other supporting documents must be sent with this request.

Even if you do not qualify for cash, the notice says you receive the settlement’s other benefits.

• You do not receive cash if you made no payments on the loan.
• For the states in the notice’s first state list, you do not receive cash if you did not pay more than the loan principal.
• For the states in its second list, you do not receive cash if you did not pay interest above the state’s legal limit.
• People who lived in Utah or Nevada do not receive a cash payment because the notice says those states have no interest-rate restrictions.

The notice does not give a fixed payment amount for each person. It says the available fund will not be enough to fully repay everyone for covered loan payments.

• An award is based on principal paid and/or interest paid above the legal limit in the applicable state, as well as the money available in the fund.
• Awards will be proportionate shares, not full repayment of what each person paid.
• The $16.5 million fund is reduced by Court-approved service awards, attorneys’ fees, notice costs, and administration costs before class payments.

The settlement includes these non-cash commitments in addition to the cash fund.

• For three years, the settling defendants agree not to knowingly provide capital, services, or other affirmative assistance to the LDF Lending Companies or their known successors.
• They also agree not to knowingly assist collection of class-period loans, including third-party collection attempts.
• This benefit applies regardless of whether you made payments on the loan.

Excluding yourself means you cannot receive settlement benefits, including a cash payment. It is the option for someone who wants to keep the ability to bring or join another lawsuit over the claims being settled.

• To exclude yourself, mail an Exclusion Request by January 4, 2027.
• The request must include the case name, your contact information, either identifying loan information or the last four digits of your Social Security number, a clear request to be excluded, and your signature.
• If you remain in the settlement, you give up the right to sue the released parties over the loan-related claims covered by the settlement.