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Post Lake Lending: Reviews and Ratings
Post Lake Lending logo.
If you’re low on options and staring down bills you can’t cover, you may not know where to turn for a loan. Enter tribal lenders, such as Post Lake Lending, which this article will be specifically covering. They offer quick cash, no prepayment penalties, approval even with bad credit — it’s all there on paper. But buried underneath the convenience is a mountain of fine print, and it’s steep.
This isn’t your typical bank or credit union. Being a tribal lender means they operate under the laws of a sovereign Native American nation. That makes a big difference when it comes to what they can legally charge — and how limited your protections are if things go sideways. Think of it as Wild West–style lending, for better or worse.
Let’s get into it.
What is Post Lake Lending?
Post Lake Lending homepage.
Post Lake Lending is an online-only tribal lender affiliated with the Lac du Flambeau Band of Lake Superior Chippewa Indians in Wisconsin. It provides short-term installment loans to individuals who might not qualify through traditional banks. They market themselves as an alternative to payday loans, but the costs and structure paint a different picture.
The company’s tribal affiliation means Post Lake Lending isn’t subject to state usury laws or many of the regulatory protections that most consumers take for granted. Once you sign their contract, you agree to tribal jurisdiction — not your state’s.
Lendtly.com
Loan terms and application process
The process is fast and digital:
- Fill out an application online
- Submit income verification
- Undergo a credit check through national databases
- If approved, receive funds via ACH as early as the next business day
Loan amounts vary: first-time borrowers are typically capped at $1,500, while returning customers may be eligible for up to $5,000. Repayment is biweekly, and funds may arrive quickly.
There’s no penalty for paying early — but you’ll want to, because the interest is brutal.
One real example: A borrower received a $1,000 loan and paid more than $7,000 total. That’s not a typo. The initial finance charge alone was nearly $300, and the loan barely chipped away at the principal with each payment.
According to Post Lake Lending’s own payment schedule, a $1,000 loan with biweekly payments may require total repayments exceeding $7,700 over 26 payments. In the first 10 payments alone, borrowers pay nearly $2,985 in interest while reducing the principal by only about $14.
DebtCarePlus
Transparent robbery
Post Lake Lending reddit reviews.
To their credit, Post Lake Lending doesn’t try to hide what it is. They’re upfront about the sky-high rates and even admit this isn’t a long-term solution. But let’s be real — just because someone warns you they’re about to pick your pocket doesn’t make it any less exploitative. This is last-resort money, plain and simple. Use it only if every other door is locked.
The hidden cost of “flexible” loans
Post Lake Lending hypes up its flexibility — biweekly payments, no prepayment penalty and the chance to apply even with bad credit. But none of that offsets the single biggest red flag: the interest.
While they don’t highlight APRs prominently, fine print and independent reviews confirm rates ranging from 550 percent to more than 800 percent, depending on the loan size and term.
Borrowers report making four or five payments without denting their balance. That’s how they get you — it’s not the loan itself, it’s the structure designed to keep you on the hook.
“I borrowed $500 and they wanted over $3,000 in repayment.” “I paid $500 in four weeks and still owed most of the loan. I feel scammed.” “I couldn’t even log in to see my loan details. They don’t provide a portal after you sign.”
That last quote hits hard. Some users report difficulty accessing detailed loan status or payment breakdowns after signing. Imagine sending hundreds of dollars every month without a clear breakdown of what you owe. That’s not just frustrating — it’s reckless.
800Financial
Who can apply?
Post Lake Lending isn’t available in every state. In fact, they explicitly exclude residents from:
Alabama, Arkansas, Connecticut, Georgia, Illinois, Indiana, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New York, North Carolina, Pennsylvania, South Carolina, Vermont, Virginia, West Virginia, Wisconsin
To apply, you need:
- To be at least 21 years old
- Proof of stable income
- A checking account for ACH transfers
- To pass a soft credit check
- To live in an eligible state
Your Best Lending Partner: We match you with top lenders for the best deals. Fast, Easy Process: Quick approvals with expert support. Tailored Solutions: Flexible terms that fit your needs.
Lendexpress.net
Risks you can’t ignore
Better Business Bureau profile for Post Lake Lending.
This is where you need to pause and weigh the long-term cost:
- Sky-high interest: Your repayment could be three, five or even seven times the original loan
- Poor support: Borrowers complain about no follow-up, ignored disputes and a general lack of customer care
- No login portal: Some users report being unable to access their account after signing
- Limited legal recourse: You’re operating under tribal jurisdiction, not your state’s consumer protection laws
- Overdraft risk: Payments are tied to your payday, but if they fall on a weekend or holiday, Post Lake may withdraw funds earlier, potentially causing overdraft fees
There are also reports of customers being hit with fees or withdrawal attempts even after trying to cancel the loan. Once they have your bank info, things can get messy.
So… is it ever worth it?
Honestly? Only if you’ve exhausted every single other option and have a specific, short-term need with a rock-solid plan to pay it off immediately. But even then, there are safer alternatives:
- Local credit unions
- Salary advance apps like Earnin or Brigit
- Nonprofit financial assistance programs
- Community banks offering small-dollar emergency loans
Post Lake Lending is fast, yes. But if you’re not careful, it’ll cost you way more than you bargained for.
Final word
Post Lake Lending isn’t the worst lender out there — but that’s a low bar. Their tribal status lets them sidestep regulations, and they take full advantage of that freedom. Add in vague terms, hidden fees, no clear customer portal, overdraft risks and explosive reviews, and you’re looking at a lender that profits off confusion.
If you’re already in a financial hole, this is a shovel with spikes. You might dig yourself even deeper.
Read the contract. Do the math. And remember: fast money isn’t free money.
Always remember to do thorough research on all the available options. It may feel like a sketchy tribal lender is your only option for capital, but the only way to truly know is scour the internet, know your finances intimately and be rational.
Thanks for reading, and we wish you luck in your financial future.
Frequently asked questions
- What type of loan does Post Lake Lending offer?
Post Lake Lending specializes in small personal loans with short-term repayment schedules. These loans are funded quickly—often by the next business day—but come with steep costs and limited consumer protections.
- Is Post Lake Lending a legitimate lender?
Post Lake Lending is a tribal lender based in Wisconsin and operates online. While it’s not accredited by the Better Business Bureau (BBB), it is a real company. That said, its tribal affiliation means it’s not subject to state lending laws, so consumers should be cautious.
- How can I contact the Post Lake Lending customer service team?
You can reach the customer service team through the contact page on the Post Lake Lending website. However, many customer reviews cite difficulties reaching a representative and delays in resolving concerns.
- Are there any prepayment penalties?
No, Post Lake Lending does not charge prepayment penalties. If you’re able to repay early, doing so can drastically reduce how much money you pay in interest over the life of the loan.
- What are common complaints in Post Lake Lending reviews?
Customers often report issues with high interest, lack of transparency, and being unable to access their account after signing. Some also mention difficulty extending loan terms or reaching a knowledgeable representative to assist with account concerns.
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Advertorial or Sponsorship User published Content does not represent the views of the Company or any individual associated with the Company, and we do not control this Content. In no event shall you represent or suggest, directly or indirectly, the Company's endorsement of user published Content.
The company does not vouch for the accuracy or credibility of any user published Content on our Website and does not take any responsibility or assume any liability for any actions you may take as a result of reading user published Content on our Website.
Through your use of the Website and Services, you may be exposed to Content that you may find offensive, objectionable, harmful, inaccurate, or deceptive.
By using our Website, you assume all associated risks.This Website contains hyperlinks to other websites controlled by third parties. These links are provided solely as a convenience to you and do not imply endorsement by the Company of, or any affiliation with, or endorsement by, the owner of the linked website.
Company is not responsible for the contents or use of any linked website, or any consequence of making the link.
This content is provided by New Start Advantage LLC through a licensed media partnership with Inquirer.net. Inquirer.net does not endorse or verify partner content. All information is for educational purposes only and does not constitute financial advice. Offers and terms may change without notice.
