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Willow Lake Lending Review

Installment loan · Reviewed June 2026

starstarstarstarstar 2.9 Our editorial rating

“The REDCO sibling of Three Sticks — same fee structure and excluded states, but it doesn't publish loan amounts, so you have to apply to learn your terms.”

At a Glance

Loan amount Not published upfront — set at application
APR Willow Lake discloses the APR only in the loan agreement; treat it as high triple-digit
Term Installments set in the agreement
Funding As soon as the same day
Credit No hard FICO minimum (income-based)
Fees $20 late (5+ days), $30 NSF; no prepayment penalty
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Best for

Borrowers comfortable applying to see their amount, who want a Rosebud/REDCO lender with same-day funding.

Cost 2.0
Transparency 2.7
Funding speed 4.0
Eligibility 3.8
Support 3.1

Willow Lake Lending Pros & Cons

thumb_upPros

  • checkSame-day funding possible
  • checkDisclosed fees ($20 late / $30 NSF, no prepayment penalty)
  • checkNo hard FICO minimum
  • checkRosebud Sioux (REDCO) ownership, sister to Three Sticks

thumb_downCons

  • closeLoan amounts not published — must apply to find out
  • closeAPR disclosed only in the agreement
  • closeExcluded in 13 states
  • closeDoesn't publish a credit-reporting policy
№ 01

Who Willow Lake Lending is

Willow Lake Lending is operated by Arrow Financial Services, a wholly owned subsidiary of the Rosebud Economic Development Corporation (REDCO), the economic arm of the Rosebud Sioux Tribe in South Dakota. It is a sister brand to Three Sticks Lending and operates under tribal law and applicable federal regulations.

№ 02

Rates, fees & real cost

Willow Lake mirrors the fee structure of its sister brand — a $20 late fee after five days and a $30 NSF fee, with no prepayment penalty — but it does not publish its loan amounts or APR; both are set in the loan agreement. Expect a high triple-digit rate typical of the sector, and review the full disclosure before signing.

№ 03

Where it lends

Willow Lake does not lend to residents of Arkansas, Connecticut, DC, Illinois, Maine, Minnesota, New Hampshire, New York, Pennsylvania, South Dakota, Vermont, Virginia, or West Virginia — the same list as Three Sticks. Funding can arrive as soon as the same day.

Compare Willow Lake Lending With Other Tribal Lenders

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Willow Lake Lending FAQ

How much can you borrow from Willow Lake Lending? add
Willow Lake does not publish its loan amounts; they're set at application. As a sister brand to Three Sticks Lending (REDCO), its range is likely comparable — confirm at application.
Is Willow Lake Lending the same as Three Sticks? add
They're separate brands, but both are REDCO subsidiaries of the Rosebud Sioux Tribe, and they share the same fee structure and excluded-state list.
How we rate tribal lenders — our methodology

How We Rate Lenders

We score each lender from 1 to 5 on cost, transparency, funding speed, eligibility, and customer support. High-cost products score lower on cost by design. Ratings are editorial, independent, and updated as terms change.

Independent & not affiliated. Tribal Installment Loans is an independent resource and is not affiliated with, endorsed by, or sponsored by Willow Lake Lending. Willow Lake Lending and related names are trademarks of their respective owners. We may be compensated when you visit partner sites. Figures are indicative, may change, and vary by borrower — verify current terms directly with the lender.