Cost of Your Short-Term Installment Loan

Details of your payment amounts, payment dates, APR, and specific fee information, including any applicable fees for late payments and NSF/returned items, are included in your loan agreement. You can review and download copies of your documents at any time during the life of your loan by logging in to your account here. You should always carefully review your loan documents. Call our Relationship Managers if you have any questions or concerns: 1-844-600-9737.


To keep the cost of your loan as low as possible, borrow only the minimum amount necessary to cover the cost of your emergency expense and take advantage of our Penalty-Free Early Pay-Off Policy. You can save interest on your loan by making extra payments, paying more than your scheduled amount, or by paying off the entire balance early. Our Relationship Managers can help with any additional payments at 1-844-600-9737. Please note that bigger/additional payments must be made in $25 increments.

Payment Schedules

Your loan agreement includes your payment schedule, which specifies the dates, amounts and number of payments you agreed to for repaying your loan. Included below is a sample payment schedule for a $400 loan. Please note that your APR will vary based on the amount and term of your loan. You can reduce the overall cost of your loan by taking advantage of our Penalty-Free Early Pay-Off Policy.

Funding Timeframes

Little Lake Lending can typically have funds delivered to your account the business day after your application has been processed and approved, as long as you meet the cut-off time of 4:00 p.m. PST Monday-Friday. Your loan documents must be e-signed and your verbal verification completed before the cut-off time.


If you require funds the current business day, you can request a wire transfer up to 1:00 p.m. PST Monday – Friday. For loans processed on weekends or bank holidays, you will receive the wire transfer the next business day. Please verify with your bank as additional incoming wire fees may be assessed.


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. Log in to your account, carefully review and e-sign your loan documents, then call our Relationship Managers at 1-844-600-9737 to verbally verify your loan details and arrange for a wire transfer, if needed. If you don’t see your confirmation email within one hour of applying, check your spam folder. If you are still unable to locate the email, call our Relationship Managers for assistance.

Late/NSF Fees

You will be charged a $25 late fee for any payment that is late more than two business days. If any payment is returned due to insufficient funds or not honored by your financial institution for any reason, you will be charged a $25 NSF fee.