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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Little Lake Lending's pay off


Repayment of loan

In your loan agreement, you can find detailed information on your payment amounts, repayment dates, APR, and specific fees, including late payment or NSF fees and returned items. You have regular access to download copies of these documents by logging in to your account at any time during the term of your loan. Before signing any loan documents, you should always read them thoroughly.

Supported types of payment

Supported payment includes cashier checks, client expedited funding, money order, or direct bank withdrawal

Steps to repay

Upon receipt of your loan agreement, you may choose to have your payments automatically taken out of your bank account or send a money order or cashier’s check to Little Lake Lending, 2770 Mission Rancheria Rd., # 393, Lakeport, CA 95453.

The company also supports manual repayments, but information related to this is not available. To know more about Little Lake Lending’s manual repayment options, email customer service or call a relationship manager at 844-600-9737.

Conditions of loan extension

If you are having trouble making a scheduled payment, please, call Little Lake Lending’s consumer service as soon as possible at 844-600-9737 to request a three-day courtesy extension. There is no fee for this extension, but it’s only available once during the life of your loan.

Early payoff

If your finances permit, a message from Little Lake Lending strongly encourages you to take advantage of their penalty-free early repayment policy and pay your loan off early to save on interest and pay no fees. If you would like to take advantage of this opportunity, please call a relationship manager at 844-600-9737.


How do I make a payment to Little Lake Lending?

You can choose to have Little Lake Lending’s payments automatically debited from your bank account or send a money order or cashier's check to Little Lake Lending, 2770 Mission Rancheria Rd. #393, Lakeport, CA 95453. For other payment options, please, contact a relationship manager at 844-600-9737.

What happens if you don't pay back Little Lake Lending?

If the borrower cannot repay the amount on time, the debt might be rolled over to a new loan with additional charges and interest rates, potentially placing the borrower into a "debt cycle."

Can you pay Little Lake Lending early?

If you would like to cut the cost of your loan by making a payment on your principal or paying off your balance early, simply log into your online account and select "Payment Options" or call us at (844-600-9737) for assistance.

Can Little Lake Lending sue you?

According to LLL terms and conditions, they neither have the power to sue nor be sued as there is a limited effect of waiver which protects the lender and borrower from any type of discrepancy.

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 October 2022
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