A short-term installment loan is typically a non-secured loan with a fixed number of payments made at regular intervals until the balance is paid off. A non-secured loan means that you do not put up a form of collateral that would be surrendered if you defaulted on the loan. Auto and home loans are common examples of secured long-term installment loans.

You may be eligible for a short-term installment loan from Little Lake Lending if you meet the following requirements:

• Receive regular income
• Are at least 18-years-old and a U.S. citizen
• Have an active checking account
• Are not actively serving in the military or a dependent of someone actively serving in the military.

Please note: Loan approval is subject to meeting Little Lake Lending’s full eligibility criteria.

You can begin the loan process by completing our online application now.

Little Lake Lending is dedicated to providing emergency funding to consumers with a range of credit histories, including those with no credit and poor credit. As long as you meet the requirements listed previously, it’s more than likely we’ll be able to work with you.

You’ll receive an email from Little Lake Lending regarding your approval and further information about completing the loan process. You may also receive a call from one of our friendly and professional Loan Specialists.

Little Lake Lending allows qualified first-time clients to borrow up to 2,000 dollars. Repeat clients may borrow a maximum of 2,500 dollars. However, we strongly suggest that you borrow only the minimum amount needed to cover your emergency expense and that you take advantage of our Penalty-Free Early Pay-Off Policy to minimize the cost of your loan?

Applications processed and approved before 6:00 p.m. CST Monday–Friday are typically funded on the next business day. Generally, a business day means Monday through Friday, excluding federal holidays. If you require funds on the current business day, you may request Real-Time Funding* by calling 844-600-9737. If you apply for a loan online through our account portal, Real-Time Funding will be automatically applied if your loan is approved on a weekday after our 6:00 p.m. CST same-day ACH cutoff or anytime on Saturday or Sunday. If Real-Time Funding is not available or your institution cannot process a same-day transaction, we will use the next fastest funding method.

*Real-Time Funding Disclaimer: While Real-Time Funding allows for immediate access to your funds, Real-Time Funding may be limited by banking factors and your bank may charge you additional fees. Even if you are eligible, the exact time your funds appear in your account may vary depending on your bank’s processing times. Lendumo does not charge a fee for Real-Time Funding. Prior to applying online through our account portal or requesting Real-Time Funding via phone, please consult with your bank, as additional fees or timing restrictions may apply.

To ensure your funding is delivered as quickly as possible, look for and respond to your confirmation email in a timely manner, as it contains your username and password. If you don’t see your confirmation email, check your spam folder. If you are still unable to locate the email, call Customer Service at 844-600-9737 for assistance.

Guarding your personal information is a top priority for Little Lake Lending. From the moment you submit your data, we employ cutting-edge security protocols. Your file submission is encrypted and stored in an off-site facility with multi-dimensional layers of physical and digital protection.

Little Lake Lending believes in transparency. We publish our rates on our website and ensure that our clients understand exactly how much their loan will cost. Additionally, we encourage our clients to borrow the minimum amount necessary to cover their emergency expense and to take advantage of our Penalty-Free Early Pay-Off Policy.

All Little Lake Lending loan agreements include a detailed schedule of payment amounts and due dates. You can choose to have your payments automatically withdrawn from your bank account, debit card, or you can mail a money order or cashier’s check to Little Lake Lending, 2770 Mission Rancheria Rd, #393, Lakeport, CA 95453.

For information on interest rates for your loan, please visit our rates page.

However, we strongly encourage you to take advantage of our Penalty-Free Early Pay-Off Policy and pay off your loan early if your finances allow. You’ll save money on interest without incurring any fees. If you would like to take advantage of this option, please contact a Relationship Manager at 844-600-9737.

In the event you might be late with a scheduled payment, please contact a Relationship Manager at 844-600-9737 as soon as possible to request a three-day courtesy extension. There’s no fee for this extension, but it is only available once during the life of your loan.

Little Lake Lending abides by federal laws and regulations as incorporated by the Big Valley Band of Pomo Indians of the Big Valley Rancheria, a federally-recognized sovereign American Indian tribe.

If you want to save money on the cost of your loan by making a payment toward your principal or by paying off your balance early, you can log into your online account and select “Payment Options” or you can call us at 844-600-9737 for assistance.

You can view and download your loan documents at any time during the life of your loan by logging in to your account at https://staging-d0e6-littlelakelending.wpcomstaging.com/login. If you need assistance, please call our Relationship Managers at 844-600-9737.

To exercise your Right to Cancel, you have until 1:00 p.m. PST the second business day after your “Disbursement Date” to begin the process of returning the funds interest-free. Keep in mind that your Disbursement Date is the date funds were transferred to your financial institution. This may not be the same date your bank makes those funds available to you, so please call us at 844-600-9737 as soon as possible if you want to cancel your loan. If you miss the Right to Cancel deadline, you can still pay off your loan early without penalties and pay only the interest you’ve accrued up to your pay-off date.