Lake Shore Loans

You must be 18 years old and have:

1. A job or proven source of income via direct deposit
2. An active and valid checking account
3. A working phone number and email address

The approval amount depends on a variety of factors including loan history and monthly income. First time borrowers can qualify for $100-$600. Repeat borrowers can qualify for up to $1500. See the Loan Terms page for more info.

You can choose to pay off your loan over several installments or all at once at any time without penalties. We structure the loans so that payment amounts remain consistent, and we schedule the payment dates to coincide with your pay dates for added convenience. It is your responsibility to make your loan payment on your due date. You can schedule automatic electronic payments from your bank account or provide payment via certified check, money order, or debit card. If you do make a late payment, skip a payment, or have a returned payment, you may incur additional fees. If a payment is returned we may resubmit that payment to your bank for processing. If you are having trouble making payments or need to talk about payment arrangements, please contact us at 877-624-8003.

All applications are conditionally approved or denied in seconds, but are subject to verification of prior loan history and personal information. In some cases, we may ask for additional information.

If your loan is completed by 6 pm ET, we can electronically deposit your loan proceeds into your bank account. The funds will be available the next business day.

If a payment is 3 days or more late, You will be charged $30 per late scheduled payment.