Keith
Bait and Switch games all the way around.
I am blown away by the good reviews here, they play more games than anything I have ever seen. On the first deal the lady said my rate would be 67% then they have you verbally agree to the terms then they send you the contract at like 600% to 700% apr. Apparently they just left out a zero, then when you ask to speak to manager they can cut the rate in half to even one third and they tell you once make some payments on time you can refinance as a returning customer and get an even better rate. Not very true, the contract is the contract. When I called in the second time the lady told me she could set it to a the first 66 days zero percent interest then regular interest would start. I read the contract and it did not say this. When I called back she said don't worry about what the contract says I can make it zero percent interest just sign the contract. I told her I want something saying that, she told me to sign the contract and after the contract was signed she would send me something saying zero percent for the first 66 days. That to me is some of the highest bait and switch I have ever heard. I will be contacting the FBI to start an investigation into this company.
Response from Willow Lake LendingDec 29, 2025
Hi Keith, thank you for reaching out, we are always here to help. We are firmly committed to ensuring that our customers have a clear understanding of the fact that this is an expensive form of borrowing. As such, we make it a top priority to provide them with a comprehensive breakdown of our rates and terms, while also providing full disclosure on all fees associated with the loan well before originating the loan. Our goal is to ensure that our customers are fully informed and equipped to make informed decisions regarding their borrowing needs, while also fostering a culture of transparency and trust in all our dealings. We strongly encourage our customers to take advantage of our no pre-payment penalty policy by paying off their loan early. Doing so will result in substantial savings on interest charges. Additionally, customers have the option to make additional payments towards the principal balance of the loan, which can help reduce the overall cost of borrowing. We believe that these options provide our customers with greater flexibility and control over their finances. Reviewing your account, we see that we attempted to resolve this matter but were unsuccessful. Please feel free to contact us directly at [email protected] or (855) 857-5253 at your earliest convenience so we may resolve this issue. Thank you.