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Rating by Finanso®

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Apply for a Little Lake Lending's loan


How to apply

Little Lake Lending’s loan process is fully online and takes around 10 minutes to complete. The company competing for loans offers installment loan services to borrowers who are in need of emergency funding. If you are a first-time applicant, you can get up to $1,500 in loans. However, repeat borrowers have a larger credit limit, and they can borrow up to $2,500. The offered loans are different from a payday loan, which has to be repaid in one shot. The company advises applicants to borrow only that sum which is actually necessary to meet their requirements.

Before applying for a loan, the borrower should check the prerequisites and keep all the documents ready to make the process faster.

The process to apply for a loan at Little Lake Lending is simple and straightforward.

  • You have to go to the official website and then click on Apply online, present in the top right corner.

  • Then, you will be asked whether you are a returning customer or not; please, select your option and click on Next.

  • After that, you will be required to enter the loan amount, and then click on Next.

  • Now, enter all the required information, which includes your name, DOB, mobile number, email address, SSN, and other details related to your address. You will also have to tell if your home is rented or self-owned and the period of occupation for that property.

  • If you are not a member of the US military, uncheck that box, and check the next box which says you are a citizen of the US who is 18+, and then click on Next.

  • Now, you will be asked to enter the details about your employer or your business (if you are self-employed). This will include employment status, payment type, name of employer, title, monthly income, pay date, and other details.

  • Then, enter the bank details where you want your fund to come from. This includes your bank’s name, routing number, account type, and account number.

  • After that, check the Terms and conditions of this loan. Then click on Next to submit your document.


It is important that you have a good credit score before you apply for a loan with LLC. Besides, you must also have the following:

  • Your banking information and document of your financial statement.

  • You must be 18+ years of age and a US citizen.

  • You must not be a member of the US military or a dependent of someone in the US military.

Application details

Little Lake Lending’s application process is completely online and takes less than 10 minutes to complete, but processing and posting of loan cash can take one to three business days, depending on your bank. The application is processed as soon as it is submitted online. After the loan contract is signed, the money is placed in the customer's bank account. The exact APR applicable for the loan is revealed after the application process is complete. The interest rate depends on the credit worthiness of the applicant.


How long does it take to get approved by Little Lake Lending?

Little Lake Lending loans will typically provide a credit approval decision in less than an hour and fund quickly the loan within one business day.

How trustworthy is Little Lake Lending?

The company is registered and authorized by the Pomo Indians Consumer Financial Services Regulatory Authority. It is also licensed to offer loans and expects exceptional service, which makes it trustworthy. The company also has more than 1,300 testimonials, with more than 80% of them being positive. Furthermore, these loans are also insured under the Federal Deposit Insurance Corp.

Will Little Lake Lending verify income?

People of all credit ratings can apply, with the minimum age to be eligible being 18 or the state minimum, whichever is higher. However, Little Lake Lending will check your credit through consumer reporting agencies and credit bureaus when you apply for a loan.

Can Little Lake Lending hurt your credit score?

Little Lake Lending Loans reports your account activity to the following credit reporting agencies: Equifax, Experian, and Transunion. Therefore, making regular, on-time payments will demonstrate your financial responsibility and could improve your credit score.

Calculate loan payments in Little Lake Lending

Little Lake Lending calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

500 $
2500 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Little Lake Lending

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Little Lake Lending and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Little Lake Lending’s reviews by September 2022
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