Willow Lake Lending
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Disclaimers

Last updated: October 14, 2026

Non-Lender Disclosure

Willow Lake Lending is not a lender, does not make credit decisions, and does not charge any fees. We are a lead generator that connects consumers with participating financial providers. We do not control and are not responsible for the actions or decisions of any lender. We do not endorse any specific provider.

Soft Credit Check Disclosure

Checking your rates through our platform involves a soft credit inquiry, which does not affect your credit score. If you proceed with a provider, they may perform a hard credit pull as part of their underwriting process. A hard inquiry may temporarily affect your credit score.

APR Disclosure

The Annual Percentage Rate (APR) for installment options available through our network of providers ranges from 5.99% to 35.99%. Your actual APR depends on your creditworthiness, income, state of residence, and the specific provider.

Representative Example: A $2,000 installment option at 23.99% APR over 24 months would result in 24 monthly payments of approximately $106.24 and a total repayment of approximately $2,549.76. This is an example only; actual rates and terms will vary.

Term Disclosure

Repayment terms range from 91 days to 72 months. Not all providers offer the maximum or minimum term. Shorter terms may carry higher APRs, while longer terms result in more total interest paid over the life of the agreement.

No Guarantee

Submitting a request through our platform does not guarantee that you will be approved for any funding option. Approval is subject to the credit and underwriting criteria of the individual provider. We make no representation or warranty regarding the likelihood of approval.

State Availability

Products may not be available in all states. The availability of specific rates and terms is subject to change without notice. Residents of certain states may not be eligible for any installment option products. Contact your provider for state-specific availability.

Fees Disclosure

Willow Lake Lending does not charge any fees for its services. However, individual providers may charge fees including but not limited to origination fees, late payment fees, and insufficient funds fees. Review your provider's terms carefully before accepting any offer.

Credit Impact

Failure to repay a financial obligation may result in negative reporting to credit bureaus, which can affect your credit score. We encourage you to borrow responsibly and only what you can afford to repay.

Not Legal or Financial Advice

The information on this website is for general informational purposes only and does not constitute legal, financial, or professional advice. Consult with a qualified professional before making financial decisions.

Contact Us

For questions about these disclaimers, contact us at: