Last Updated: November 2024
These Terms of Service ("Terms") govern your use of Little Lake Lending services. By applying for a loan or using our services, you agree to these Terms.
🏛️ About Little Lake Lending
Little Lake Lending is owned and operated by the Big Valley Band of Pomo Indians, a federally recognized American Indian tribe. As a tribal lender, we operate under tribal sovereignty and are subject to tribal law and applicable federal regulations.
✅ Eligibility Requirements
To qualify for a Little Lake Lending loan, you must:
- Be at least 18 years old
- Be a U.S. citizen or permanent resident
- Have a valid Social Security number
- Have a regular source of income
- Have an active bank account
- Provide a valid email address and phone number
- Meet additional underwriting requirements
💰 Loan Terms
Loan Amounts: $500 to $2,500, subject to approval and underwriting
Loan Terms: Varies based on loan amount, typically 6-24 months
Interest Rates: APR disclosed before acceptance; varies based on creditworthiness and loan details
Fees: All fees disclosed before loan acceptance; no hidden charges
Prepayment: NO prepayment penalties—pay off early and save on interest!
📝 Application Process
When you apply for a loan:
- You authorize us to obtain your credit report
- You provide accurate and truthful information
- You consent to electronic communications
- You understand approval is not guaranteed
- You agree to review and accept loan terms before signing
💳 Repayment Obligations
By accepting a loan, you agree to:
- Make all scheduled payments on time
- Maintain sufficient funds in your bank account for payments
- Notify us immediately of any payment issues
- Pay any late fees if payments are missed (as disclosed in your loan agreement)
- Take responsibility for the full loan amount until paid in full
🎁 Big Fish Rewards Program
Our rewards program is subject to these terms:
- Enrollment is automatic upon first loan approval
- Benefits are earned through on-time payments and loan history
- Rewards status can be adjusted based on payment performance
- Program terms may change with notice to participants
- Benefits apply to future loans, not current loans
🚫 Prohibited Uses
You may not:
- Provide false or misleading information
- Use loan proceeds for illegal activities
- Attempt to defraud Little Lake Lending
- Access our systems without authorization
- Interfere with other users' use of our services
⚖️ Dispute Resolution
In the event of a dispute:
- Contact our customer service team first to resolve issues
- Disputes are governed by tribal law and the laws of the Big Valley Band of Pomo Indians
- Any legal proceedings will be conducted in tribal court or as specified in your loan agreement
- You agree to arbitration if specified in your individual loan agreement
🔐 Privacy & Data Security
Your use of our services is also governed by our Privacy Policy. We are committed to protecting your personal information with bank-level security measures.
📱 Electronic Communications
By using our services, you consent to receive:
- Electronic loan documents and agreements
- Email and SMS notifications about your loan
- Account updates and payment reminders
- Marketing communications (opt-out available)
🔄 Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be posted on our website with an updated "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified Terms.
⚠️ Disclaimer of Warranties
Little Lake Lending services are provided "as is" without warranties of any kind. We strive to provide accurate information and reliable services, but we cannot guarantee uninterrupted or error-free access.
💼 Limitation of Liability
To the fullest extent permitted by applicable law, Little Lake Lending shall not be liable for indirect, incidental, or consequential damages arising from your use of our services.
📞 Contact Information
Questions about these Terms? Contact us:
Little Lake Lending
Email: [email protected]
Phone: 1-800-LENDING
Available: 24/7
Ready to Apply?
By applying, you agree to these Terms of Service
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