Short answer
Buffalo Lake Lending loans range from $200 to $2,000 over 3 to 18 months. SuperMoney lists the APR as not disclosed, so you cannot compare cost from a headline rate. Use the total of all payments instead. In one complaint on the BBB, a $640 loan was repaid with $1,011.06 in payments — about $371.06 more than borrowed.
APR versus the number that matters
APR expresses the yearly cost of borrowing including interest and certain fees. On short loans with frequent payments, APR can look huge even when the dollar amount seems small — and the dollar amount can still be large compared with the loan. Always look at both: APR and total repaid.
Worked example from a public complaint
A BBB complaint reports borrowing $640 and paying six biweekly debits of $168.51. We cannot verify the account, but the arithmetic is useful as an illustration of how the numbers work:
| Item | Amount |
|---|---|
| Amount borrowed | $640.00 |
| Payments | 6 × $168.51 (every two weeks) |
| Total repaid | $1,011.06 |
| Finance cost | $371.06 (58.0% of the amount borrowed) |
| Approximate APR (calculated) | about 387% |
That APR is our calculation from the reported figures, not a rate published by the lender. Your own offer may differ — which is why you should run your own numbers below.
Calculate the APR of your own offer
Questions to ask before you sign
- What is the APR and the total of payments in dollars?
- How many payments, on which dates, and are they automatic bank debits?
- Are there origination or other fees? (SuperMoney's page is inconsistent on this.)
- Is there a prepayment penalty, and does paying early reduce interest?
- What happens if a payment fails or I need to stop the debits?
- Which law governs the agreement and how are disputes handled?
Putting the cost in context
Federal credit unions can offer payday alternative loans (PALs) with an interest-rate cap of 28 percent. A $640 loan at 28 percent APR over a few months costs a small fraction of the example above. See alternatives for more options.
Frequently asked questions
What is the APR on Buffalo Lake Lending loans?
The APR is listed as not disclosed on the SuperMoney page we checked. Ask for the APR and total of payments in writing before you accept.
How much can I borrow?
SuperMoney lists $200 to $2,000 with terms from 3 to 18 months. Your approved amount may differ.
Is there an origination fee?
SuperMoney's page says an origination fee may apply, but other parts of the same page contradict that. Check your loan agreement.
How do I calculate the real cost of a short loan?
Multiply the payment by the number of payments to get the total repaid, subtract the amount you received, and compare that dollar cost with other options. The calculator above also estimates APR.
Sources
- SuperMoney — Buffalo Lake Lending Loan
- Better Business Bureau — Buffalo Lake Lending complaints
- Trustpilot — buffalolakelending.com page
- Banking Dive — NCUA payday alternative loans (PALs II)
Information was gathered from these public pages and checked on October 25, 2026. Pages can change; check the original before relying on it.
Related pages
Buffalo Lake Lending Alternatives: Cheaper Ways to Cover a Short-Term Gap
Alternatives to Buffalo Lake Lending: credit union payday alternative loans, payment plans, local assistance, nonprofit credit counseling and more.
Buffalo Lake Lending Ratings & Complaints: What Borrowers Actually Report
What borrowers say about Buffalo Lake Lending on BBB, Trustpilot and SuperMoney: ratings, repeated complaints, and what to check before borrowing.
Buffalo Lake Lending Requirements & Eligibility
Buffalo Lake Lending eligibility as reported by SuperMoney: age, ID, checking account, proof of income, credit checks, and how fast funds arrive.
How to Stop Buffalo Lake Lending ACH Debits: Step by Step
Step-by-step: how to revoke automatic bank debits from an online lender: notify the lender in writing, tell your bank, keep proof, and file a complaint.