Post Lake Lending Reviews and Ratings

Post Lake Lending’s official logo

Post Lake Lending promises quick relief: next-day funding, no credit barrier, no prepayment fees.

Sounds like a lifeline until you see the fine print. APRs up to 815 percent, biweekly payments, and limited legal protections.

It’s not just expensive, it’s one of the riskiest short-term loans available online.

In this review, we’ll break down how they really work, what past borrowers say, and why this loan might cost you way more than expected.

Who is Post Lake Lending?

Post Lake Lending’s homepage

Post Lake Lending specializes in providing short-term installment loans to borrowers who often don’t qualify for credit cards or small personal loans from traditional banks or credit unions. 

Operated by the Lac du Flambeau Band of Lake Superior Chippewa Indians in Wisconsin, this online tribal lender functions under tribal law rather than state lending regulations, allowing it to charge significantly higher interest rates and fees than typical licensed lenders.

Stellar Reputation

4.8

Lendtly.com

• Direct Lending Excellence: Matches you with the best loans.
• Loans ranging from $2,500 to $100,000
• Flexible terms: 3 to 120 months, 24 hours post-approval
• Same day approval

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How Post Lake Lending loans work

They offer short-term installment loans designed to deliver cash fast, often within 24 hours. The process is simple, but the structure is built for speed, not affordability. Here’s what to expect from start to finish:

Loan amounts:

• First-time borrowers: Up to $1,500
• Returning borrowers: Up to $5,000

How to apply:

• Complete an online form with personal and financial details
• Provide proof of income and a checking account in good standing
• Receive a soft credit check
• Review and sign loan agreement
• Receive funding by ACH as soon as the next business day

Repayment terms:

• Biweekly automatic payments
• Typically spread across 26 installments (~6 months)
• No prepayment penalties or origination fees

Flexible Lending Solutions

5

Lendexpress.net

• 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.

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Post Lake Lending rates and fees explained

They make fast money accessible—but at an extraordinary cost.

• APR range: Between 550% and 815%
• Cost example:
  • A $1,000 loan might require 26 payments of $299.51
  • Total repayment: $7,787.26
  • Total interest paid: Over $6,700
• Additional charges (not clearly disclosed):
  • Late payment penalties
  • Non-sufficient funds (NSF) fees
• Hidden risks:
  • Payments can be withdrawn before your paycheck if they fall on a weekend or holiday
  • This timing issue may lead to overdraft fees and bank account complications

Post Lake Lending customer reviews and complaints

While they specialize in serving borrowers with limited credit options, their lending practices have drawn mixed reactions from customers. Reviews and ratings on major platforms highlight recurring concerns about transparency and costs.

BBB (Better Business Bureau) reviews

• • Not accredited
  • Rating: C+
  • Average user score: 1.03 out of 5 (based on 59 reviews)
  • Top complaints:
    • Excessive interest rates
    • Lack of access to account information
    • Withdrawals taken earlier than expected
• Notable BBB reviews:

BBB reviews

“No way to access account. Fine print with excessive high interest rates.” – Pollyann H, June 24, 2025

“This should be illegal… paid over $1,500 on a $750 loan and still owe thousands. No way to check your account!” – Jeff M, June 19, 2025

Trustpilot reviews

Trustpilot reviews for Post Lake Lending

• • Claimed profile
  • Rating: 4.4 out of 5 stars (based on 12,173 reviews)
  • Top praise:
    • Fast funding
    • Polite, helpful customer service
    • Easy application process
    • App functionality is appreciated
• Top verified Trustpilot review excerpt: “Customers appreciate the easy and quick application process… staff were helpful and guided me through loan options.”

What Reddit users are saying

Borrowers on Reddit share warnings

Borrowers on Reddit—particularly in forums like r/financeonloans—have shared unfiltered experiences with Post Lake Lending. Here’s a snapshot of the most common feedback:

Any post lake lending reviews for 2025? byu/Lost_Ad_6278 infinanceonloans

• APR shock: Users report annual percentage rates as high as 780 percent, often not fully understood until after funding.
• Hidden fees: Some were asked to pay upfront charges before receiving the loan, despite being “approved.”
• Debt spiral concerns: Borrowers describe getting trapped in biweekly payment cycles that are hard to escape.
• ACH withdrawal issues: Even after revoking payment authorization, some users say funds were still withdrawn.
• Lack of recourse: Many express frustration over limited legal protections due to the lender’s tribal status.
• Emotional toll: Several posts mention regret, stress, and financial anxiety tied to the loan’s structure and cost.

While individual experiences vary, the consensus among Reddit users is clear: proceed with caution and explore all alternatives first.

Best Overall Service

4.5

800Financial

• Direct Lending Excellence: Matches you with the best loans with optimal loan terms.
• Comprehensive Loan Network: Loans ranging from $2,500 to $50,000
• Flexibility & Speed: Flexible terms from 3 to 120 months, 24 hours post-approval.

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Post Lake Lending pros and cons

While it offers fast access to cash, the downsides can be steep, especially if you’re not prepared for the costs. Here’s a quick look at what stands out:

Pros

• Fast funding—often by the next business day
• Available to borrowers with poor credit
• No prepayment penalty
• Higher loan limits for returning borrowers

Cons

• APRs up to 815%
• Biweekly ACH withdrawals can lead to overdrafts
• Poor customer support and no user dashboard
• Unclear fee disclosures
• Minimal consumer protection due to tribal status

Who should use Post Lake Lending?

For certain borrowers in urgent situations, it might fill a gap when all other options are off the table. Here’s who it may (or may not) work for:

Best for:

• Borrowers who have exhausted all traditional options
• Individuals who need fast cash and can repay within a few weeks
• Situations where a small delay could cause greater harm (e.g., eviction, utilities shutoff)

Not recommended for:

• Anyone with access to credit union loans or employer cash advance apps
• Consumers needing longer repayment flexibility
• Borrowers unaware of the risks of tribal lending and lacking financial stability

Easy requirements

4.5

• Loan amounts up to $100,000
• Custom Terms: Repayment periods from 12 to 60 months with fast 48-hour approvals.
• Trusted Expertise: Recognized for ethical lending and innovative financial solutions.

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What to do before taking out a high-cost tribal loan

Before committing to a loan with an APR of 800 percent or more, it’s important to consider safer steps that could protect your financial health:

Check your local credit union

Credit unions often offer Payday Alternative Loans (PALs) with APRs capped at 36 percent and reasonable terms.

Explore earned wage access apps

Apps like EarnIn, Brigit, or Even let you access part of your paycheck early with little or no interest.

Talk to a nonprofit credit counselor

Organizations like the National Foundation for Credit Counseling (NFCC) offer free help and may connect you to emergency grants or low-interest loans.

Ask your bank about small-dollar loans

Some banks offer short-term loans with transparent terms and no hidden fees, sometimes with no credit check required.

Reach out to local support

Faith-based organizations and community nonprofits may offer interest-free loans, rent assistance, or utility bill support.

These steps won’t always provide instant cash, but they can help you avoid a long-term debt trap.

Final verdict: Is it worth it?

They are fast, transparent, and legal within the tribal lending framework—but that doesn’t mean it’s safe. The costs are extreme, the structure is aggressive, and once you’re in, getting out without serious financial damage is tough.

If you must borrow, ensure you have a plan to repay early. Otherwise, look for alternatives with lower interest and stronger protections.

Frequently asked questions

What happens if I default on a tribal loan?

Defaulting on a tribal loan can lead to aggressive collection tactics, including frequent phone calls, wage garnishment threats, or third-party debt sales. Since tribal lenders operate outside state regulations, borrowers may have limited recourse. However, federal laws like the Fair Debt Collection Practices Act (FDCPA) still apply.

Can state laws protect me from tribal lenders?

In most cases, no. Tribal lenders claim sovereign immunity, which means they are not subject to state lending caps or regulations. Some courts have challenged this, but enforcement varies by state. Borrowers should check with their state attorney general’s office for current legal interpretations.

Is tribal lending legal in all states?

Tribal lending is legal under federal law but may violate certain state usury or consumer protection laws. However, due to tribal sovereignty, many lenders continue to operate even in states where their rates would otherwise be illegal. Legal outcomes depend heavily on the jurisdiction.

How does Post Lake Lending affect my credit?

Post Lake Lending typically does not report on-time payments to major credit bureaus. This means repaying the loan may not improve your credit score—but missed payments or defaults could still be reported through third-party collections and damage your credit.

Are there safer alternatives to tribal loans?

Yes. Credit unions offer Payday Alternative Loans (PALs), and earned wage access apps like Brigit or EarnIn may provide early paycheck access. Nonprofits and local relief agencies can also connect you with low- or no-interest emergency loans.