Last updated: December 13, 2024
By accessing or using the Little Lake Lending website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
Little Lake Lending is owned and operated by the Big Valley Band of Pomo Indians of the Big Valley Rancheria, a federally recognized sovereign American Indian tribe.
To use our services, you must:
Little Lake Lending offers personal installment loans ranging from $200 to $5,000, subject to approval and state regulations.
Annual Percentage Rates (APR) vary based on your creditworthiness, loan amount, and loan term. APRs typically range from 36% to 600%. All rates and fees will be clearly disclosed in your loan agreement before you sign.
Loans are repaid through automatic ACH withdrawals from your bank account according to the payment schedule in your loan agreement. You may pay off your loan early without any prepayment penalties.
All fees are disclosed in your loan agreement before you sign.
Little Lake Lending reports loan activity to major credit bureaus including Equifax, Experian, and TransUnion. Making on-time payments can help improve your credit score, while late or missed payments may negatively impact your credit.
You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:
All content on this website, including text, graphics, logos, and software, is the property of Little Lake Lending and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.
Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted or error-free.
To the fullest extent permitted by law, Little Lake Lending shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.
Little Lake Lending operates under the jurisdiction of the Big Valley Band of Pomo Indians of the Big Valley Rancheria. As a tribal entity, certain state laws may not apply to our lending operations. Any disputes will be resolved in accordance with tribal law and applicable federal law.
Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive your right to participate in a class action lawsuit.
By using our services, you consent to receive all communications, agreements, documents, notices, and disclosures electronically. This E-Consent applies to:
To access and retain electronic communications, you will need:
You may withdraw your consent to receive electronic communications at any time by contacting us at support@littlelakelending.com. However, withdrawing consent may result in termination of your access to our services, and you may be required to pay any outstanding balance on your loan. If you withdraw consent, we will send paper copies to your last known mailing address.
You agree to keep your email address and other contact information current. To update your information, log into your account or contact customer support.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.
If you have questions about these Terms of Service, please contact us: