Friday, November 6, 2026 · Customer reviews of US businesses
The Fair Hearing score
Excellent
762 reviews
Willow Lake LendingSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
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 The Fair Hearing, with an average rating of 4.6 out of 5.
762 approved reviews, newest moderated first
It was very simple and approved easily
By Carrie
Response from Willow Lake Lending· Jun 2, 2025
Thank you for sharing your experience with us, Carrie! It’s great to hear the positive feedback. Please don't hesitate to reach out to us any time at [email protected] or at (855) 857-5253.
The easiest loan I have ever done.
By Brett T W.
Response from Willow Lake Lending· Jun 2, 2025
Hi Brett, we appreciate the five-star review – thank you! We’re happy to hear that our Customer Care team made it easy for you. Thank you for choosing Willow Lake Lending!
Easy to apply if you have ready access to the requested information. Frankly insane interest rate, but when you're in an emergency, you take what you can get.
By Michael B.
Response from Willow Lake Lending· Jun 2, 2025
Thank you for sharing your experience with us, Michael! It’s great to hear the positive feedback. You are correct that our interest rates are high. This is because we lend to consumers with a wide range of credit histories. We encourage our customers to borrow only the minimum amount necessary and to pay it off as soon as their finances allow. Paying the loan off early will save a significant amount on interest and there is no fee for paying off early. Please don't hesitate to reach out to us any time at [email protected] or at (855) 857-5253.
Full disclosure I did not choose to go through Willow Lake. The process was easy, too easy. When I got to the last page it just said sign here and get your money as soon as the next business day. I had to find where the actual agreement was and open it up to read the details. The APR was 533%!! Are you kidding me? I really hope this was like a typo or something because that is ridiculous. The total payment back to them with interest was going to be over $15k, for a $2500 loan. No thanks!!
By Tera A.
Response from Willow Lake Lending· Jun 2, 2025
Hi Tera, 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.
This was the quickest and easiest loan process that I've ever experienced.
By Sheila J.
Response from Willow Lake Lending· Jun 2, 2025
Thank you for the review. We are pleased to gain this feedback as we do strive to make the loan process as quick and easy as possible. We appreciate your business.
Very easy to complete, hassle free and on time.
By Eric
Response from Willow Lake Lending· Jun 2, 2025
Hi Eric, we appreciate the five-star review – thank you! We’re happy to hear that our Customer Care team made it easy for you. Thank you for choosing Willow Lake Lending!
I asked for a $3,000 loan because I needed the money that day and it would take a week for me to pull it out of another account. I'm thinking that this is a standard loan regulated by the Govt not to exceed 36% for the first $3,000. Somehow I got locked out of the application process online and I was able to call in to finish the application. To my surprise I got some paperwork saying my load repayment is $561.00 EVERY TWO WEEKS!!! I immediately called the company and was told the interest rate is 516.09.% for 18 months. That's a $20,230 payback over 18 months. I can get better terms from a loan shark. I am disputing these charges with the Govt. Gonna pull the money out my other account and pay this off next week, but this is a sham loan company and they are operating illegally.
By ALFERN W.
Response from Willow Lake Lending· May 30, 2025
Hi Alfern, thank you for reaching out, we are always here to help. We are firmly committed to ensuring our customers clearly understand our rates and terms and provide full disclosure on all fees associated with the loan prior to originating the loan. In reviewing your account, the Terms and Conditions disclosed by our Customer Care Team and the Terms and Conditions on the Loan Agreement that you signed are the same. 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.
Very fast and efficient service. I was pleasantly surprised with how fast the process was. Thank you for your service and follow up.
By Anthony F.
Response from Willow Lake Lending· May 30, 2025
You're most welcome and thank you for the five-star review, Anthony! We're glad you chose us as your lending partner.
