Willow Lake Lending
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Terms of Service

Last updated: October 14, 2026

These Terms of Service ("Terms") govern your use of willowlendlng.com (the "Site") operated by Willow Lake Lending ("we," "us," "our"). By accessing or using the Site, you agree to these Terms.

1. Our Role

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

2. Eligibility

You must be at least 18 years old, a US resident, and legally able to enter into contracts to use our services. Products may not be available in all states.

3. Use of the Site

You agree to:

  • Provide accurate and complete information when submitting a request
  • Not use the Site for any unlawful purpose
  • Not attempt to disrupt, damage, or gain unauthorized access to the Site
  • Not submit false or misleading information

4. Requests and Offers

Submitting a request through our Site does not guarantee that you will receive an offer from any provider. Any offer you receive is from the provider, not from us. Rates, terms, and conditions are set solely by the provider. You are under no obligation to accept any offer.

5. Soft Credit Check

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

6. Third-Party Links and Services

Our Site may contain links to third-party websites. We are not responsible for the content, policies, or practices of third-party sites. Your interactions with providers are solely between you and that provider.

7. Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee that the Site will be error-free, uninterrupted, or that you will receive an offer from any provider.

8. Limitation of Liability

To the fullest extent permitted by law, Willow Lake Lending shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or services.

9. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes shall be resolved in the courts of California.

10. Changes to These Terms

We may update these Terms at any time. Changes will be posted on this page with an updated revision date. Continued use of the Site after changes constitutes acceptance of the updated Terms.

11. Contact Us

For questions about these Terms, contact us at: