Hi,
I am currently helping out a friend who has taken out a couple loans and is in a bit of trouble due to unforeseen circumstances. We currently reside in Tennessee, and my friend has taken out loans with Zocaloans aka Rosebud Lending and Speedy Cash. After doing some research, I have found that Zocaloans/Rosebud is a tribal lender and does not have a license per the TN Dept. of Financial Institutions, and I believe because of that it means that they are operating illegally.