Transparent Rates & Terms
No hidden fees. All costs disclosed upfront. See exactly what you'll pay.
Loan Amount
Minimum Loan Amount
$200.00 - The smallest amount you can borrow from Buffalo Lake Lending.
Maximum Loan Amount
$2,000.00 - The largest amount you can borrow. Your actual loan amount will be determined based on your income and ability to repay.
Cost of Your Loan
The total cost of your loan includes the principal amount you borrow plus interest charges. The exact cost depends on:
Loan Amount
The principal amount you borrow (between $200 and $2,000).
APR (Annual Percentage Rate)
The yearly interest rate. Your APR varies based on loan amount and term length.
Loan Term
The length of time to repay (3 to 12 months). Longer terms mean lower monthly payments but higher total interest.
What's Included in Your Loan Agreement
When you receive your loan agreement, it will clearly show:
- Loan Amount: The principal you're borrowing
- APR: Your annual percentage rate
- Payment Schedule: Number of payments, amounts, and due dates
- Total Payment: The total amount you'll pay over the life of the loan
- Finance Charges: The total interest you'll pay
- All Fees: Late fees, NSF fees, and any other charges
Sample Payment Schedule
Here's an example of what your payment schedule might look like for a $300 loan with biweekly payments:
| Payment # | Due Date | Payment Amount | Principal | Interest | Balance |
|---|---|---|---|---|---|
| 1 | Biweekly | $75.00 | $70.50 | $4.50 | $229.50 |
| 2 | Biweekly | $75.00 | $71.10 | $3.90 | $158.40 |
| 3 | Biweekly | $75.00 | $71.70 | $3.30 | $86.70 |
| 4 | Biweekly | $86.70 | $86.70 | $0.00 | $0.00 |
Note: This is a sample schedule for illustration purposes. Your actual APR may vary based on your loan amount and term length. The sooner you pay back your loan, the less you'll pay in total interest.
Payment Schedules
Your full payment schedule will be included in your loan agreement. You have flexibility in how you repay:
Standard Payment Schedule
Make regular payments on the schedule outlined in your loan agreement. Payments are typically due on a schedule that matches your pay frequency (weekly, biweekly, or monthly).
Early Repayment
Pay off your loan before the final due date. You can make additional payments at any time without penalties. This helps reduce your total interest cost.
Full Payoff
Pay the entire remaining balance at any time. There are no prepayment penalties, so you can save money by paying off your loan early.
Fees & Charges
Late Payment Fee
Delinquency Fee
If a payment is not received by Buffalo Lake Lending 9 or more days after its due date, a delinquency fee of $15.00 will be charged. This fee will not be collected more than once for the same default.
Other Potential Fees
Non-Sufficient Funds (NSF) Fee
If your bank returns a payment due to insufficient funds, additional fees may apply as described in your loan agreement.
Returned Item Fee
If a check payment is returned, you may be charged a returned item fee as outlined in your loan agreement.
Funding Timeframe
Once your loan is approved and documents are signed, we process your funding immediately:
Approved by 2 PM CST
Your funds will typically be deposited into your checking account the same business day.
Approved After 2 PM CST
Your funds will be deposited the next business day.
Business Days Only
Business days are Monday through Friday, excluding banking holidays.
Tribal Lending Information
Buffalo Lake Lending is an economic arm and instrumentality of the Crow Creek Sioux Tribe, a federally recognized Indian nation. This is important information about your loan:
Applicable Law
Applicable federal and Tribal law will apply to your loan agreement. Your loan is governed by the laws of the Crow Creek Sioux Tribe and federal law, not state law.
What This Means
As a Tribal enterprise, Buffalo Lake Lending operates under Tribal sovereignty and is subject to Tribal law. This allows us to provide lending services to residents of states where traditional lenders may not operate.
Your Rights
You have the same consumer protections and rights as you would with any lender. Your loan agreement will clearly outline all terms, conditions, and your rights and responsibilities.
For more information about Tribal lending, please refer to your loan agreement or contact our customer service team at (800) 835-1988.
Why Choose Buffalo Lake Lending?
Transparent Pricing
No hidden fees. All costs are disclosed upfront in your loan agreement.
No Prepayment Penalties
Pay off your loan early without any penalties. Save money by paying faster.
Flexible Terms
Choose a repayment term from 3 to 12 months that fits your budget.
Quick Approval
Get approved in minutes and funded the same day. No lengthy waiting periods.
Bad Credit OK
Your credit score doesn't define your eligibility. We consider your ability to repay.
Customer Support
Our friendly team is available to answer questions and help you manage your loan.
Frequently Asked Questions About Rates & Terms
APR stands for Annual Percentage Rate. It's the yearly cost of borrowing expressed as a percentage. Your APR includes the interest rate and any fees, expressed as a yearly rate. Your specific APR depends on your loan amount, term length, and other factors.
Your payment schedule is set when you receive your loan agreement. However, if you need to discuss payment options or have concerns about your schedule, contact our customer service team at (800) 835-1988. We may be able to work with you to find a solution.
If you miss a payment, a late fee of $15.00 will be charged if the payment is more than 9 days late. If you're having trouble making a payment, contact us at least 3 business days before your due date. We may be able to help you find a solution or adjust your payment schedule.
No! There are no prepayment penalties. You can pay off your loan in full at any time or make additional payments without any penalties. Paying early helps you save on interest charges.
Your exact APR is determined during the application process based on factors like your loan amount, term length, income, and other circumstances. You'll see your specific APR in your loan agreement before you sign. If you have questions about your APR, contact us at (800) 835-1988.
Our standard repayment terms range from 3 to 12 months. If you need a longer term, contact our customer service team at (800) 835-1988 to discuss your options. A longer term means lower monthly payments but higher total interest.
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