Willow Lake Lending puts our customers first with the best in benefits and customer service. We never charge prepayment penalty fees and in most cases, we can have your funds deposited the same day you apply. We want to help everyone that we can when an unexpected financial expense happens.
Willow Lake Lending (willowlakelending.com) has 762 customer reviews on Five Star Index, with an average rating of 4.6 out of 5.
Also known as
willowlakelending.com
Website
willowlakelending.com
Category
Investments & Wealth
Location
Mission, South Dakota
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 100% of reviews.
Latest
Most recent review: October 2026.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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Highway robbery do not use, you are better off borrow from your bank I borrowed 1200 make a payment of 510, and they are still saying I owed $905 they want to put you in debt interest daily, horrible company!!
Response from Willow Lake LendingAug 4, 2025
Hi, thank you for reaching out. We would like to help, but unfortunately, we are unable to locate your account with the information provided. Please contact us at [email protected] or at (855) 857-5253 so that we can further assist you. Thank you.
NB
Nuna B.
Dont do it even if you are desperate
Do not get a loan from this company LOAN SHARKS 500 plus annual percent, $3000.00 loan payback $16,000 outrageous. This should not be allowed. It should be illegal!
To the company's response, the reason you don't see my loan is because I cancelled before your thievery interest rate.
Response from Willow Lake LendingJul 28, 2025
Hi Albert, 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 reach you 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.
AG
Artie G.
I got a loan for $980
I got a loan for $980, and was charged $280 twice a month until February 2026. I got my loan in May 2025, luckily I was able to pay it off early. However I still ended up paying about $2000 for a $980 loan, imagine how much I would have payed if I didn't pay it off early
Response from Willow Lake LendingJul 24, 2025
Hi Artie, thank you for reaching out. We would like to help, but unfortunately, we are unable to locate your account with the information provided. Please contact us at [email protected] or at (855) 857-5253 so that we can further assist you. Thank you.
CL
Cecilia L.
Misleading and Inconsistent – Not Worth the Risk
I applied for a short-term loan with this company because of the positive reviews on Trustpilot, but my experience was very disappointing. The first time I applied, I was approved for more than I needed, but I chose a smaller amount. I was told that if I repaid within 3 business days, no interest would be charged. I also asked about requesting additional funds, and another agent confirmed that the same no-interest rule would apply if paid within 3 days.
However, when I called two days later to make a full repayment, I was suddenly charged interest. I was frustrated because no one mentioned that requesting additional funds would count as active loan and no longer qualify for the no-interest grace period. I spoke with a supervisor and explained that I was given false information. Thankfully, they resolved it and only charged me the original loan amount.
A week later, I needed money again and was approved for $1,200 but chose not to proceed with the loan. When I tried to apply again the following week, I was told to apply online — but the system wouldn’t let me. I called again, and this time they asked for detailed information about my income, job, and bank statements, which they had never required before. Even after providing everything, my application was denied.
This company is extremely inconsistent with their process and communication. The interest rates are high, and they made my financial situation more stressful. I’m just glad I didn’t borrow from them again. I would not recommend this company to anyone — stay away if you can. They are not transparent and may end up costing you more than you expect.
Response from Willow Lake LendingJul 22, 2025
Hi Cecillia, thank you for reaching out. We would like to help, but unfortunately, we are unable to locate your account with the information provided. Please contact us at [email protected] or at (855) 857-5253 so that we can further assist you. Thank you.
FI
FIFI
Predatory Lending
Predatory Lending - Avoid This Company!
I took out a $700 loan from this company, and it’s been an absolute nightmare. They are charging me over $200 and $199 is going to interest fees EVERY TWO WEEKS from my paycheck. I mean that only $1 is pay loan. The repayment term is set for 21 months, and by the end of it, I will have paid over $4,000 for a loan of just $700.
This is nothing but a predatory lending scheme. The interest rates and repayment terms are outrageous and designed to trap people in a cycle of endless payments. They don’t clearly explain the total cost up front, and once you’re in, it’s almost impossible to get out without paying thousands more than you borrowed.
I do NOT recommend this company to anyone. If you’re in a tight financial situation, please look for safer alternatives like credit unions, personal loans from banks, or financial assistance programs. This company preys on vulnerable people and should be reported to consumer protection agencies.
Response from Willow Lake LendingJul 21, 2025
Hi Fianmy, 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 reach you 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.
IH
Isa H.
Tribal Loan Scam @ 500% interest
LOL! They are definitely paying for fake reviews! This is a "tribal loan" so they tried to operate outside of state and federal laws. Their interest rates are anywhere from 500% to 1900%… Yes, you read that right.
You must agree to everything being done online and they refused to provide you anything in writing… Such as loan terms… I took a screenshot and screen recording of them of them.
Good news is.. not legal so not enforceable! They can't sue in traditional courts.
The question: is the cash worth the headache?
Response from Willow Lake LendingJul 16, 2025
Hi Isabel, thank you for reaching out. We would like to help, but unfortunately, we are unable to locate your account with the information provided. Please contact us at [email protected] or at (855) 857-5253 so that we can further assist you. Thank you.
LH
Lynzee H.
DO NOT GO WITH THIS COMPANY
On my mistake I didn't read the interest rate. I got screwed. Got approved for a 1200 dollar loan and by the end of my payments I would be paying them almost 6000 dollars. This is unfair and I feel so stupid accepting this loan. I DO NOT recommend this company. Please look some place else. This company is taking advantage of people who need help.
Response from Willow Lake LendingJul 2, 2025
Hi Lynzee, thank you for reaching out. We would like to help, but unfortunately, we are unable to locate your account with the information provided. Please contact us at [email protected] or at (855) 857-5253 so that we can further assist you. Thank you.
TD
Teena D.
Do NOT get a loan from these CROOKS
Do NOT get a loan from these CROOKS! 1 Month i had a loan i paid the borrowed 1000 back and another 1000 from borrowing it for Month! High HIGH interest!!
Response from Willow Lake LendingJul 1, 2025
Hi Teena, thank you for reaching out. We would like to help, but unfortunately, we are unable to locate your account with the information provided. Please contact us at [email protected] or at (855) 857-5253 so that we can further assist you. Thank you.
