Little Lake Lending has made it our priority to serve the unbanked and underbanked, people without regular access to banks and other mainstream financial services. According to a 2015 report from the Federal Deposit Insurance Corp. (FDIC), 27% of U.S. households (about 90.6 million) have been left behind by traditional financial institutions because they have no credit or low credit. We are dedicated to providing transparent and fair access to funding to those others have ignored.As a direct lender with proprietary underwriting technology, we can offer our clients expedited funding, a points-based Big Fish Rewards program, superior service and cutting-edge data security. We also encourage our clients to take advantage of our Penalty-Free Early Pay-Off Policy. It saves our clients money on interest and is an important option for responsible borrowers.
Little Lake Lending (littlelakelending.com) has a 4.5 out of 5 rating on OK.one, based on 179 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 89% of reviews are 4 stars or higher and 8% are 1 star; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-28.
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the dedicated staff and helpful representatives for providing exceptionally clear explanations, professional guidance, and prompt support during urgent financial situations. Consumers consistently highlight the remarkably fast approval times, seamless digital tools, and overall convenience and simplicity of the online application process. Some reviewers were not happy with high interest rates and the strict necessity of making early repayments to avoid incurring excessive financial costs. A few other people also felt that managing accounts can occasionally prove quite frustrating due to unexpected payment withdrawals and communication hurdles with representatives.
Auto-generated from all reviews of this business. For reference only.Thank you for your kind words and 5 stars, Customer! We're glad you found the process easy and smooth. Your feedback means a lot to us, and we're grateful for the opportunity to assist you. Have a wonderful day!
Little Lake Lending helped me resolve an unexpected expense on a timely manner.
Dear Donna Wolfe-Barnes, Thank you for taking the time to share your experience with us! We truly appreciate your kind words and are grateful we could help you quickly resolve your unexpected expense when you needed it most. Thank you for choosing Little Lake Lending—we appreciate your trust and look forward to being here for you if you ever need us again.
No hassle, pretty easy to get along with
We really appreciate your kind words and your five-star rating, customer! It's wonderful to hear that the process was easy and hassle-free. Providing a friendly, stress-free experience is always our goal. Thanks again for choosing us—we can't wait to welcome you back!
Shane, thank you for taking the time to leave us a review! It's wonderful to know our team made a positive impression with their friendliness and helpfulness. Your kind words mean a great deal to Little Lake Lending, and we hope to have the opportunity to earn your fifth star on your next visit!
Absolutely terrible lending company. DO NOT take a loan from this company no matter how bad you need it, you will never pay it back. This is predatory lending at thee highest level. Your weekly payments does absolutely nothing towards the principal balance, meaning you're just paying money weekly for nothing. Worst loan and lending company on the market. I received a 1k loan and out of making 4 on time payments at $166 weekly only $2 got applied to principal meaning payoff balance is still $1166. Times are hard enough and greedy predatory lending company like this is consciously benefiting and taking advantage of people in need. Even with reading the documents and disclosure it still doesn't explain the grossly yet ridiculous interest rate applied to the loan. I highly don't recommend anyone getting trapped in a loan of such like i have.
Dear Jackson, Thank you for taking the time to share your feedback. We sincerely appreciate you bringing your concerns to our attention, and we're sorry to hear that your experience with your loan and repayment process has been so frustrating. We understand how disappointing it can be when the impact of your payments on the principal balance does not meet your expectations, and we apologize that the loan terms and interest charges were not as clear as they should have been. We value your comments, as they help us identify opportunities to improve how we explain loan costs, payment allocation, and the borrowing experience. We'd appreciate the opportunity to review your account with you, answer any questions about your loan, and address any concerns you may have regarding your repayment schedule. Thank you again for your honest feedback. Please contact our Customer Service team at (844) 600-9737 at your earliest convenience so we can discuss your experience and work toward a resolution.
Howard Absetz, thank you so much for your five-star review! We're happy to hear you had a good experience with our customer service team. Providing friendly, helpful service is something we strive for every day, and we appreciate you taking the time to share your feedback. We look forward to serving you again soon!
Little Lake Lending is quick and easy to help you with your financial needs! Than you!
Tommy Goodman, thank you for the wonderful review! We're grateful for your trust and are so happy to hear that your experience with Little Lake Lending was quick, easy, and helpful. Making the lending process as simple as possible is what we strive for every day. We appreciate your recommendation and look forward to serving you again!
Thank you for the 5-star feedback! We're grateful for your support and look forward to serving you in the future.
Bart Julian, thank you for the amazing 5-star review! Your feedback lets us know we're delivering on our goal of providing dependable service at a fair price. We appreciate your trust in us and look forward to helping you again in the future.
Easy to deal with and great customer service. The payment system was very easy to follow as well. I finished before I knew it
Rebecca Harris, we truly appreciate your amazing 5-star review! Thank you for highlighting our friendly customer service and simple payment process. Our goal is to make every step as easy and convenient as possible, so it's great to hear we accomplished that for you. Thank you for choosing us—we look forward to assisting you again soon!
Rapidly responding y professional attitude
Thank you so much for your wonderful 5-star review, Fidel Otero! We truly appreciate your kind words. We're delighted to hear that our rapid response and professional attitude made a positive impression. Providing prompt, reliable service is always our goal, and we're grateful for the opportunity to serve you. We look forward to helping you again!
My experience was horrible. Zoe did not help at all and was not very respectful towards me what so ever. Will not be using this ever again.
Thank you for taking the time to share your feedback, Kaylianne Suratt. We truly appreciate you bringing your experience to our attention, as it helps us identify areas where we can improve. We’re very sorry to hear that your interaction with Zoe did not meet the level of service and respect you expected. That is not the experience we want any customer to have. We value every customer and are committed to providing helpful, professional, and welcoming service. We would appreciate the opportunity to learn more about what happened and work toward making things right.
Little Lake Lending, operated by Layma LLC, faces multiple class-action lawsuits accusing the company of operating an illegal "rent-a-tribe" scheme to evade state usury laws. Plaintiffs allege the lender bypasses state interest rate caps by falsely claiming tribal sovereignty, charging predatory annual interest rates approaching 800%
Dear Jerry Leblanc, Thank you for taking the time to share your feedback. We appreciate you bringing your concerns to our attention, and we're sorry to hear that your experience left you feeling disappointed. We understand that issues involving lending practices and trust are significant, and we regret that your impression of our company was a negative one. We value all customer feedback because it helps us better understand our customers' concerns and improve the experience we provide. If you would like to discuss your experience further or have questions about your account, we encourage you to contact our Customer Service team at (855) 422-5358 so we can assist you directly. Thank you again for sharing your perspective.
Thank you so much for the 5-star review, Suzanne Ferretti! We're so glad to hear your experience was quick and easy—that's exactly what we strive for. We truly appreciate your support and look forward to helping you again in the future!
Very willing to work with me when I was out of work. I appreciated that.
Brenda DeJohn, thank you for taking the time to leave us a 5-star review! We're so glad we could provide the understanding and flexibility you needed when it mattered most. Your kind words mean so much to our team. Thank you for choosing us, and we hope to serve you again in the future.
FAST, EFFICIENT & COURTEOUS...SO POLITE AND KNOWLEDGABLE - MAKES A DIFFERENCE...
Thank you so much for your wonderful 5-star review, John! We're thrilled to hear that you found our team fast, efficient, courteous, and knowledgeable. Providing friendly, professional service is always our goal, and it's rewarding to know it made a difference in your experience. We truly appreciate your kind words and look forward to serving you again!
I had a great experience Customer service
Thank you for taking the time to share your experience with Little Lake Lending. We are thrilled to hear that you found our customer service team friendly and helpful. Providing excellent customer service is our top priority, and it is wonderful to know that our team helped make your experience a great one. We truly appreciate your feedback and thank you for choosing Little Lake Lending.
Jessie-Meridian, we truly appreciate your kind words and your 5-star rating! Knowing that you found us easy to work with is one of the best compliments we can receive. Thank you for trusting us—we're grateful for your support and hope to have the opportunity to work with you again soon.
Extremely disappointed. I have been a VIP for some time . Requested a 4 months all I wanted . Internet setup and extensive 3 year loan . I keep telling agent don’t won’t, she reassured. You pay four months balance goes down and you’re done . WRONG. Have paid three months for the 1700 borrowed . Which pays back loan amount minus owed interest. Still expected to pay 2140 to paid off loan . That is a 100% loan value.
Betty Ward, thank you for your honest feedback and, most importantly, for being a loyal VIP customer. We truly appreciate your continued business. We're sorry to learn that your experience did not reflect the level of service you expected or deserved. We understand your frustration regarding the repayment terms and the difference between what was explained and what you ultimately experienced. Clear and accurate communication is extremely important, and we regret that we fell short. We value your comments and will use your feedback to improve how we communicate loan details with our customers. If you're willing, we'd appreciate the opportunity to review your account and work toward a resolution. Thank you again for sharing your concerns. We hope to restore your trust and provide you with a better experience moving forward.
It was good and everything is easy to nagavagate
Thank you for your feedback, Trina! We're pleased you had a smooth experience with our platform. We look forward to continuing to provide you with an easy and reliable experience.
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