How Buffalo Lake Lending Works
A simple, transparent process designed for your convenience. Get approved and funded quickly.
The Simple 3-Step Process
Getting a loan from Buffalo Lake Lending is straightforward and hassle-free. We've designed our process to be as quick and convenient as possible.
Step 1: Apply Online
Fill out our quick 5-minute application form with your basic information. No lengthy paperwork or complicated forms. Just the essential details we need to get started.
Step 2: Get Approved
Receive an instant decision on your application. If approved, you'll be notified right away and can proceed to review and sign your loan documents electronically.
Step 3: Receive Cash
Once your documents are signed, your funds will be deposited directly into your checking account. If approved by 2 PM CST, you'll typically receive your money the same business day.
Step 1: Apply Online - 5 Minutes
What You'll Need
Before you start, gather the following information:
Personal Information
Your full name, date of birth, Social Security number, and contact information (phone and email).
Address & Residency
Your current residential address. Note: We do not lend to residents of AK, AZ, AR, CO, CT, DC, FL, HI, IL, MD, MN, NC, NJ, NY, PA, PR, SD, VT, VA, WV, or VI.
Income Information
Your employment status and income source. You must have a consistent source of income for the past 90 days (employment, self-employment, benefits, etc.).
Banking Information
Your checking account details. Your account must be at least 90 days old and in your name. This is where we'll deposit your loan funds.
The Application Process
- Visit our website and click "Apply Now"
- Fill in your personal information (name, DOB, SSN)
- Enter your contact details (phone, email)
- Select your state and provide your address
- Enter your income information
- Provide your checking account details
- Review and submit your application
That's it! Your application is now in our system and being processed.
Step 2: Get Approved - Instant Decision
How We Review Your Application
Once you submit your application, our team reviews it immediately. We consider several factors:
Income & Employment
We verify that you have a stable source of income and the ability to repay the loan. Your credit score is not the primary factor.
Banking History
We check your checking account to ensure it's been open for at least 90 days and is in good standing.
Eligibility Requirements
We confirm you meet all basic requirements: U.S. citizen, 18+, not military, and not residing in restricted states.
Loan Amount
We determine the maximum loan amount you qualify for based on your income and ability to repay.
Your Decision
You'll receive your approval or denial decision almost immediately after we process your application. No waiting days or weeks!
Signing Your Loan Documents
If approved, you'll receive your loan agreement electronically. This document includes:
- Loan amount and APR
- Payment schedule with exact payment amounts and due dates
- All fees and charges
- Your rights and responsibilities
- Terms and conditions
Review the document carefully and sign electronically. You can cancel within 5 PM CST on the next business day if you change your mind.
Step 3: Receive Cash - Same-Day Funding
Funding Timeline
Once your loan documents are signed, we process your funding immediately.
Applications Approved by 2 PM CST
Your funds will typically be deposited into your checking account the same business day. Business days are Monday through Friday, excluding banking holidays.
Applications Approved After 2 PM CST
Your funds will be deposited the next business day. We process as quickly as possible, but banking hours may affect timing.
How You'll Receive Your Money
Your loan funds are deposited directly into the checking account you provided during the application. You can use these funds however you need:
- Pay unexpected bills or emergencies
- Cover daily expenses like groceries or utilities
- Handle medical or car expenses
- Consolidate other debts
- Any other personal need
Your Repayment Schedule
Your loan agreement includes a detailed payment schedule showing:
- Number of payments (3 to 12 months)
- Payment amount for each installment
- Due date for each payment
- Total amount you'll pay
Payments are typically due on a schedule that matches your pay frequency (weekly, biweekly, or monthly).
Eligibility Requirements
To qualify for a Buffalo Lake Lending installment loan, you must meet the following requirements:
U.S. Citizen
You must be a U.S. citizen or permanent resident to apply for a loan.
Eligible State
You cannot reside in: AK, AZ, AR, CO, CT, DC, FL, HI, IL, MD, MN, NC, NJ, NY, PA, PR, SD, VT, VA, WV, or VI.
Age 18+
You must be at least 18 years old to apply for a loan.
Stable Income
You must have a consistent source of income for the past 90 days (employment, self-employment, benefits, etc.).
Active Checking Account
You must have an open checking account in your name that is at least 90 days old.
Not Military
You and your immediate family members cannot be active duty military or military dependents.
Frequently Asked Questions About the Process
The entire process can be completed in as little as a few hours. You can apply in 5 minutes, receive approval instantly, sign documents electronically, and get funded the same business day if approved by 2 PM CST.
If your application is denied, we'll let you know the reason. You're welcome to reapply after 30 days if your circumstances have changed, such as increased income or a longer employment history.
Yes, you can request a different loan amount before signing your documents. However, this may require additional verification. Contact our customer service team at (800) 835-1988 to discuss your options.
If you're having trouble making a payment, contact us at least 3 business days before your due date. Our customer service team can review your options and may be able to help you find a solution.
Yes! You can pay off your loan in full at any time or make additional payments without any prepayment penalties. Paying early helps you save on interest charges.
We accept payments via ACH (automatic bank transfer), debit card, or check. You can choose the method that works best for you.
Ready to Get Started?
Apply now and get approved in minutes. Same-day funding available.
Apply Now View More FAQs