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.Seamless, very fast approval for $1700. Had an emergency and needed money same day. I applied around 9am and my funds were deposited by 730p that night.
We’re so grateful for your 5 stars, North Country! It’s great to know the process was seamless and your emergency funds arrived the same day. Your experience is exactly what we work hard to provide. Thanks for being a valued customer!
Nice guy who did the paperwork for me no problems with the w/drawals I would use them again
Dear, Customer, We really appreciate you taking the time to share your experience with us, and we’re so glad everything went smoothly with your paperwork and withdrawals. It means a lot to know you felt taken care of and had a hassle-free process. Thank you again for your trust—we look forward to working with you again in the future!
Dear Harvey Addison, Thank you for the five-star review and for taking the time to share your experience with us. We’re truly glad to hear that you found our customer service awesome, as providing respectful, responsive, and professional support is a top priority for our team. Your feedback lets us know we’re meeting that goal, and we sincerely appreciate your trust in our company. If you ever need assistance in the future or have questions about your account, we’re always here and happy to help. Thank you again for choosing us.
Thank you for the fantastic review, Robertcarr! We love knowing our team made the process effortless. Thanks again for choosing us!
Thank you for the great feedback, Brian! We’re committed to maintaining high standards and continuously improving our services. We look forward to supporting your financial needs moving forward.
Little Lake Lending was so warm and professional to me. They were very clear and precise. I recommend their services to others! Thank you.
Thank you for the fantastic review, Dee! Warm service and clear communication are exactly what we strive for, and we’re so glad that came through. We appreciate your recommendation!
Thank you for sharing your experience, Paul. We're glad we could provide a fast and straightforward process!
Thank you for taking the time to share your experience, Sidney. We truly appreciate your support!
So very pleasant and helpful, thank you so much
Thank you so much for the amazing 5‑star review, Teresa Kaminski! We're thrilled to hear you found everything pleasant and helpful. Your support truly makes our day. We look forward to seeing you again soon!
I'm just sharing my experience here. Their customer service is good. Approval is fast. But be careful with the interest. Their interest is too high. I was approved for 300 dollars. But every week I pay 47 dollars. Until it reached 2 months. Then I paid it all. My last payment was 383 dollars plus 47 dollars again... Be aware of high interest.
Gabriel campos, thank you for sharing your experience—we truly appreciate you taking the time to provide detailed feedback. We're glad to know that you had a positive experience with our customer service and that the approval process was quick and smooth. We do apologize for the frustration caused by the high interest and repayment terms. We understand how important it is for costs to be clear and manageable, and we're sorry that this aspect did not meet your expectations. Your input is incredibly valuable and helps us continue improving our services. Thank you again for your honesty, and we hope to have the opportunity to serve you better in the future.
Very good customer service and they answered all the questions that I needed.
Hi Theresa, Thank you for taking the time to share your five-star experience with us; we truly appreciate your kind feedback and are delighted to hear that our team provided very good customer service and took the time to answer all of your questions thoroughly. We understand how important clear, accurate information is when making financial decisions, and we are glad our representatives were able to support you with the professionalism and attentiveness you deserve. If you ever have additional questions or need assistance in the future, our customer service team is always available and happy to help. Thank you again for choosing our company and for trusting us with your lending needs.
Sign up was quick & easy. Had to pay back 6x what they loaned me. Although, it is what it is- quick cash. There Big fish rewards could be better. Equivalent $1 for one on- time payment toward my principal.
Hi Blue Sky, Thank you for taking the time to share your experience with us and for highlighting both the positives and areas where you feel we can improve. We truly appreciate your honest feedback. We’re glad to hear that the application process was quick and easy and that the funds helped when you needed fast access to cash, as providing timely solutions for short‑term needs is exactly what our service is designed to do. We completely understand your concerns regarding the cost of borrowing and the interest associated with this type of loan. We want to be transparent that this is an expensive form of borrowing and is intended to meet short‑term financial needs rather than serve as a long‑term solution. Both our loan agreement and our website clearly explain this, and we appreciate your acknowledgment that quick access to funds often comes with higher costs. Many customers use our loan for immediate relief and then work to pay it off as quickly as possible, sometimes within just a week or two, after securing a lower‑interest option elsewhere. Regarding Big Fish Rewards, we appreciate your feedback and understand your desire to see even more value. Customers can also earn points through special promotional emails that we send from time to time. These points can be saved and redeemed for gift cards to popular retailers or applied directly toward reducing your loan balance. Applying rewards toward your balance helps lower the principal, which in turn reduces the total interest owed since interest is prorated daily. We also want to emphasize that you are always in control of paying down your loan. You can make extra payments or pay off your loan early at any time without penalties, either through your online account or by calling our Customer Service team at (844) 600‑9737. Payments can be made easily using your bank account or debit card, and any extra payments are applied directly to the principal. Since interest is calculated daily based on the remaining balance, making additional payments can significantly reduce interest costs and help you pay off the loan sooner. Our website tracks this automatically and is designed to be user‑friendly so you can clearly see how your payments impact your balance. We appreciate your feedback and the opportunity to improve. If you’d like to review your rewards options, discuss payoff strategies, or need assistance making extra payments, our Customer Service team is always happy to help at (844) 600‑9737. Thank you again for your review and for choosing us when you needed fast, reliable access to funds.
They were willing to take a chance on me, I am on my third loan now could not ask for a better loan company than Little Lake Lending. Thank you so much.
We appreciate your thoughtful review and are happy to have you as a returning customer. Thank you for choosing us, John!
Beware. This company used the excuse of System updates as to why they were unable to send an email for me to sign my loan agreement. They used this excuse 4 times in a week! All they wanted was for me to Screen share which would allow them access to my computer. I refused 3 times yet they kept calling.
We’re truly sorry for the inconvenience you experienced — that should never have happened, Tony B. Our team identified there was a glitch that caused those repeated email failures with Gmail accounts company wide, and it’s now fully resolved. We appreciate your patience and we hope you give us the chance to make this right. When you're ready to move forward with your loan application, we're here for you.
Very fast response and clear explanation of loan terms. Only con is that website doesn’t allow to make a payment IN ADVANCE of the due date. If you do it will apply to the principal and not to a regular payment.
Thank you for your five-star review, customer! We’re delighted that our fast responses and clear explanations helped make things easier for you. Your feedback about prepayments is valuable and will be shared with our team. We truly appreciate you taking the time to let us know, and we look forward to supporting you every step of the way!
Just did my loan with the representative, Queen. She was efficient, professional, respectful, & courteous. She answered all of my questions about how the loan worked and helped me decide the proper amount based on my situation. Bottom-line, she made it easy. Gold star for the day!
Dear Paul Chez Sanchez, We’re so glad to hear that Queen provided such efficient, professional, and courteous service—what a wonderful shoutout! We truly appreciate you taking the time to share your experience and are grateful for the opportunity to assist you. Thank you for choosing us, and we’re thrilled we could make the process easy for you!
This organization pulled me out of a tight spot. They funded me immediately. It is a touch pricey but they are upfront about the terms & give you proper information in that regard. The Customer Service staff and reward programs are outstanding.
Dear J.R. Shelton, We truly appreciate you taking the time to share your experience and are so grateful we could help during a tight spot. We’re glad our team was able to fund you quickly, clearly explain the terms, and provide outstanding customer service and rewards along the way. Thank you for your trust and kind words—we’re always here whenever you need us!
I give Little Lake Lending two thumbs up. Not only did you respond back to me in a timely manner regarding my approval for a loan, but the loan was deposited into my account the following morning.
Thank you for the wonderful feedback, Maureen! We’re happy our team could get you approved quickly and have your funds ready by the next morning. Thanks again for the trust — we’re honored to serve you!
Little Lake lending has been easy to work with overall. It didn’t matter if the situation was good or bad, they were constantly optimistic and helpful getting my loan back on track.
Dear Big Fish, Little Lake lending has been easy to work with overall. It didn’t matter if the situation was good or bad, they were constantly optimistic and helpful getting my loan back on track.
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