Easy Online Application

Simple and Fast Installment Loans. No Origination Fee! No Prepayment Penalty!

Meet Your Short-Term Financial Needs

First-time customers may qualify for up to $1,500. Returning customers in good standing may qualify for up to $5,000!

Why Otter Lending, Inc.?

Great Alternative to Payday Loans

Unlike payday loans, installment loans from Otter Lending, Inc. offer more flexible repayment options.

When to Use Otter Lending, Inc.

Help With Expenses Like

Out-of-Pocket Medical Expenses

Pay for prescriptions and expensive medical co-pays.

Unexpected Home Repairs

Broken heater or AC, leaky roof, burst pipe flooding your basement? Get them fixed before the problem gets bigger.

Motor Vehicle Repairs

Need to get to work but car broke down? Get funds into your bank account right away.**

To Avoid Service Interruptions

Missed payments add unnecessary late fees and expensive service disconnections.

Low Bank Balance

A bounced check may carry costly return fees.

Rent is Due

Avoid additional fees and possible eviction notices if rent is due and you don't have the funds immediately available.

Contact Us

If you have questions regarding our loan programs, loan terms, payment plans, or just need more information, please do not hesitate to contact us. An Otter Lending, Inc. customer service representative will be happy to assist you.

Otter Lending, Inc. is a Native American owned business operated by the Tribe, a sovereign Tribal nation located in the United States. If you have a service-related concern, please contact our customer service team at: 888-290-1503. Otter Lending, Inc. is committed to promptly resolving customer issues. If your concern is still not resolved after calling customer service, please contact our hotline at 888-290-1504 between the hours of 8:00am-5:00pm Central Time Monday-Friday, or email us at support@otterlending.com.

Mailing Address

  • Otter Lending, Inc.
  • P.O. Box 115
  • Crandon, WI 54520

  • Toll Free Number: 888-290-1503
  • Corporate Hotline: 888-290-1504
  • Email: support@otterlending.com
  • Fax: 920-301-7278

We verify applicants' credit information using national databases. You can complete the loan process by creating an account and submitting your application online.

**Otter Lending, Inc.’s loans are usually funded by Automated Clearing House (ACH) electronic crediting directly to your bank account. ACH transfers that are completed by 2:00 pm CST will usually be available the next business day. Unavoidable delays that occur as a result of bank holidays, the processing schedule of your individual bank, inadvertent processing errors, "acts of God", and/or "acts of terror " may extend the time for the deposit and may cause a change in the Disbursement Date.

Otter Lending, Inc. is a Native American business owned and operated by the Tribe, a federally recognized sovereign Indian nation (the "Tribe") that adheres to federal consumer financial protection laws and operates within the boundaries of the Tribe's reservation. Otter Lending, Inc. abides by all applicable federal laws, regulations, and tribal law as established by the Tribe.

This is an expensive form of borrowing. Otter Lending, Inc. Installment Loans are designed to assist you in meeting your short-term borrowing needs and are not intended to be a long term financial solution. Otter Lending, Inc. never charges any prepayment penalties on partial or complete repayments. Prompt repayment of your loan will reduce the costs associated with borrowing and is strongly recommended by Otter Lending, Inc..

Credit products obtained through this website are not available to residents of all states and state availability may change from time to time without notice. Currently, residents of Alabama,Arkansas,Connecticut,Georgia,Illinois,Indiana,Maine,Maryland,Massachusetts,Minnesota,New York,North Carolina,Pennsylvania,South Carolina,Vermont,Virginia,West Virginia,District of Columbia,New Jersey,Wisconsin are not eligible for a loan from Otter Lending, Inc.