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Business Profile

Loans

Little Lake Lending

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Loans.

Important information

  • Customer Complaint:

    BBB’s business profile for Little Lake Lending was created in April 2019. A review of complaints was done in September 2024. Complaints on file concern the high interest rate on loans taken out.

    BBB encourages consumers to read the loan agreement carefully and thoroughly prior to signing the loan. Consumers should also review the following link to the company’s terms of use.

    https://littlelakelending.com/terms/

     

Complaints

Customer Complaints Summary

  • 255 total complaints in the last 3 years.
  • 146 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/23/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I borrowed $1400.00 from Little Lake Lending *** and my payments are $367.34 a month. I have already paid them $2204.04 to date. I borrowed this money because of an extreme family emergency. I notified Little Lake about my situation and explained that I couldnt continue to make these payments and asked to set up a new payment on principal balance with no future interest. They are taking advantage of people who have no other resources for a loan and are desperate in a time of need. I am **************************************************************************************** and they are making things so much worse emotionally and financially. I have already paid over what I borrowed . I made six payments all on time. The best thing Little Lake can do is HAVE A HEART and consider my loan repaid in full.

    Business Response

    Date: 07/23/2025

    Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by **** ***** at each point by mandatory electronic signature.
    In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
    Resolution:
    As a courtesy to **** *****, we will consider all payments made to date and close the account without any further obligation. If **** *****, has any questions, he/she may contact **************** at ************.
    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

  • Initial Complaint

    Date:07/15/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I WENT IN & SET UP THE DAY BEFORE MY PAYDAY ON 7/10/2025 TO PAY OFF MY LOAN BUT THEY STILL CHARGE AN EXTRA ****** & STATED BECAUSE I DIDN'T SPEAK TO ANY ONE THEY WENT ON PROCESSED THE ****** AFTE I WENT ON-LINE TO REQUEST TO PAY OFF MY LOAN IN TIME. I WILL LIKE TO GET THE ****** REFUNDED BACK.

    Business Response

    Date: 07/23/2025

    The account is considered closed and paid in full. No refund will be issued, as ***** **** has satisfied all terms of the loan agreement.

    Please note that a payoff scheduled within one banking dayor on the same day as your next scheduled paymentmay not reflect that payment in the final payoff amount.
    We have conducted a thorough review of the account and confirmed that all loan terms were clearly communicated and agreed upon during the payoff process through the self-service portal.

    If ***** **** has any further questions, she is welcome to contact us at **************.

    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

  • Initial Complaint

    Date:07/11/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I took out a $1,400 loan to help me at difficult time. I did not realize I would have a 400% interest rate. I have paid over $1,400 already and still have another $3,200 to pay it off. I found this loan is illegal in my state. I would like this issue to be resolved.

    Business Response

    Date: 07/23/2025

    Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by ****** **** each point by mandatory electronic signature.
    In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.

    Resolution:
    As a courtesy, Little Lake Lending will reach out to ****** **** with an offer to resolve their loan.
    Or 
    ****** **** may contact **************** at ************** to set up payment arrangements for the remaining principal balance.

    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

  • Initial Complaint

    Date:07/10/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Received a principal loan amount of 495 dollars but still owe *****+ after paying 260. I want to pay off the principal and be done with this company!

    Business Response

    Date: 07/11/2025

    Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by ******* ****** each point by mandatory electronic signature.
    In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.

    Resolution:
    As a courtesy, Little Lake Lending will reach out to ******* ****** with an offer to resolve their loan.
    Or 
    ******* ****** may contact **************** at ************** to set up payment arrangements for the remaining principal balance.

    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

  • Initial Complaint

    Date:07/10/2025

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Original Loan Amount Received by Lender was $500 Dollars, bank statement proving only 500 received. Interest Rate is at 500% which goes against state usurer rules Paid $600+ back including principle and interest Contacted Little Lack Several Time requesting settlement and settlement offer was 2 or 3x the original loan amount which I cannot financially manage plus exceeds state law. Little Lake also changed the loan amount to $700+ as a re-finance which I never received more than 500 pay out per ************. Please help resolve this matter. I cannot pay beyond what has been paid out. Little Lake is not Out any money as I paid off the Loan.

    Business Response

    Date: 07/11/2025

    Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by ****** ***** each point by mandatory electronic signature.
    In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.

    Resolution:
    As a courtesy, Little Lake Lending will reach out to ****** ***** with an offer to resolve their loan.
    Or 
    ****** ***** *** contact **************** at ************** to set up payment arrangements for the remaining principal balance.

    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

    Customer Answer

    Date: 07/11/2025

     
    Complaint: 23582622

    I am rejecting this response because: Ive attempted to come to an agreement on several occasions and have paid all I can pay of a loan at 500%

    Sincerely,

    ****** *****

    Business Response

    Date: 07/16/2025

    Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by ****** ***** at each point by mandatory electronic signature.
    In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
    Resolution:
    As a courtesy to ****** *****, we will consider all payments made to date and close the account without any further obligation. If ****** ***** has any questions, he/she may contact **************** at **************.
    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

  • Initial Complaint

    Date:07/08/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I took out a debt consolidation loan that overpaid Little Lake. The amount of overpayment was never refunded, though the companys claims to have mailed it to the loan company over a month ago. I repeatedly call what seems to be a call center that is unable to tell me anything.

    Business Response

    Date: 07/09/2025

    Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by ******* ******** at each point by mandatory electronic signature.
    In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
    Resolution:
    Thank you, ******* ********, for reaching out to Little Lake Lending, we apologize for the inconvenience you have experienced. Our records indicate the refund check was sent and delivered on July 1, 2025, to the sender of the payment. As of July 8, 2025, our records indicate that the check has not yet been cashed by the recipients. Please reach out to the issuer of your payment to locate your refund.
    We appreciate your attention to this matter and are available. If ******* ******** has any questions, he/she may contact **************** at **************.
    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

    Customer Answer

    Date: 07/09/2025

     
    Complaint: 23569906

    I am rejecting this response because:

    I have contacted the number you listed and was told that the refund was issued on June 3rd. From then until now the check has not been received. Directing me to a company that has neither received or cashed your check is unsatisfactory because you still have the funds, not them.  This has been the case since May 14. 

    contacting your call center will only result in a repeat of the information posted here and a claim that another unreasonable timeframe needs to pass before you can take steps to remedy this situation  

    In that regard, I would request direct contact information to the division or person responsible for processing the refund  


    Sincerely,

    ******* ********

    Business Response

    Date: 07/21/2025

    We would like to express our apologies, ******* ********, for the inconvenience you have encountered regarding the issuing of the refund. Our payment processing team have reviewed the account and has advised the refund check will be re-issued, and can take up to 10
    business days to be received.
    If ******* ******** has any questions, he may contact **************** at **************.
    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

  • Initial Complaint

    Date:07/04/2025

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I file for a loan and was never told that I had to pay the full amount on the day of payment what I was told was that they would take 145 dollars out every month until I reach the 600 that i need to pay now they are saying i needed to pay the full amount on the first payment date and I was told that if I 125didn't pay that 145 monthly that my payment would go up to 2,000 dollars and the person i talked to never told me that this loan would increase in interest daily now I've paid 725 dollars so far and I was told that I had to pay 600 dollars for the loan of 500 dollars so I'm disputing the 2000 dollar that they saying i need to pay they told me to pay 500 dollars by the 7th of this month to break even so I'm disputing the 125 dollars plus the tact on 18 months that they are saying I need to pay

    Business Response

    Date: 07/07/2025

    Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by Steven W****** at each point by mandatory electronic signature.
    In the event customers would like to modify their payments, we encourage them to contact Customer Service at ***** ******** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
    Resolution:
    As a courtesy to Steven W******, we will consider all payments made to date and close the account without any further obligation. If  Steven W******, has any questions, he/she may contact Customer Service at *************
    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.


  • Initial Complaint

    Date:07/04/2025

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I took out a loan for 705$ somehow now I owe ******** this is insane. I don't remember anywhere telling me the interest was going to be ******%. Its funny I cant find the contract in my email either. I talked to my Lawyer who looked it over this is indeed very illegal and not acceptable in my place of residence even with tribal law. To make this right I will pay the rest of my principle amount plus the 10 percent allowed in my state. I have paid 571.44$ Which means I will have to owe only 775.5$ after the interest. Which means I owe 204.06$.I am requesting to finish that amount in 4 payments.

    Business Response

    Date: 07/10/2025

    Little Lake Lending would like to address *** ***** concerns, but we are unable to locate an account for *** ***** with the information provided. It may be possible *** ***** may have confused us with another company. *** ***** may also contact customer service at ************ and provide the complaint number for further assistance.


    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

  • Initial Complaint

    Date:07/03/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Loan Number: 4NXY76KECA I borrowed $1,500 from Little Lake Lending and have ***aid a total of $2,458.08, including nearly $1,000 in interest. Despite this, they have refused to confirm in writing that my account is Paid in Full and officially closed.I have made multiple documented requests for a written statement confirming that my early payoff processed successfully. Instead, their agents ***eatedly refuse to communicate in writing, insist that I call, and ignore my concerns.On June 30, 2025, I submitted my final payment of $204.84. On July 2, 2025, a Little Lake ***resentative confirmed via email that my final payment was received and that the early payoff had been scheduled but still failed to state that my account is closed and settled.I later engaged in a live chat with their agent ********, who said that I needed to call in order for him to assist, which I find odd, as the night before when I went on their website, engaged with another *** named *******, who said my account was closed and once the 6/30 payment cleared, I would get the confirmation email that my account was paid in full but this was never provided. Their continued refusal to provide written confirmation feels evasive and unprofessional.I am now requesting that Little Lake Lending formally confirm that this account is Paid in Full with a $0 balance and no further interest due. I have attached full documentation, including emails, screenshots, and ************.

    Business Response

    Date: 07/07/2025

    Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by ****** ********** at each point by mandatory electronic signature.
    In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.
    Resolution:
    We do apologize for any inconvenience ****** ********** has experienced. Please be advised that the loan associated with ****** ********** was officially closed as of July 2, 2025. The remaining balance has been waived, and no further obligations remain outstanding. If ****** ********** has any questions, he/she may contact **************** at **************.

    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

    Customer Answer

    Date: 07/07/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

     

    Thank you for your response. I appreciate your teams cooperation in resolving this matter and confirming the account is closed. I consider this issue resolved.



    Sincerely,

    ****** **********

  • Initial Complaint

    Date:07/03/2025

    Type:Order Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On 5/12/2025 I took out a loan with little lake lending in the amount of $1495.07 due to an emergency. I have made 5 payments of $251.67 totaling in $1258.35. I went to check how much was left on the loan and they are saying I will owe $8053.44! That seems like an insane interest rate and highly predatory. Who can afford that? I wish to pay what I borrowed but can pay thousands of dollars in a time of hardship.

    Business Response

    Date: 07/07/2025

    Little Lake Lending discloses the total cost to a borrower assuming only the minimum payment schedule is followed. All rates and loan fees are prominently displayed within the loan contract and were acknowledged by ******* ***** each point by mandatory electronic signature.
    In the event customers would like to modify their payments, we encourage them to contact **************** at ************** at least three (3) business days before their scheduled payment date to request the payoff of an account, to skip a payment or to make an additional payment that will go towards their principal balance. Making payments toward the principal balance can quickly reduce the outstanding balance and reduce the time to repay the loan off.

    Resolution:
    As a courtesy, Little Lake Lending will reach out to ******* ***** with an offer to resolve their loan.
    Or 
    ******* ***** may contact **************** at ************** to set up payment arrangements for the remaining principal balance.

    Nothing herein shall be construed as a waiver of any rights or privileges of Little Lake Lending, all of which are expressly reserved.

    Customer Answer

    Date: 07/08/2025

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    ******* *****

Little Lake Lending is NOT a BBB Accredited Business.

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