White Pine Lending Disclosures
Important information about our service, loan costs, non-payment and compensation.
Independent service disclosure
WhitePineLendingUSA.com is an independently owned website. We are not affiliated with, endorsed by, or operated by Sokaogon Finance, Inc., the Sokaogon Chippewa Community, or any entity that uses “White Pine Lending” as a trade name. Third-party names are used only to describe and inform.
We are not a lender
We do not make loans or credit decisions. Lenders that review your request set all rates, fees and terms, and may verify your information and check your credit.
Loan amounts, APR and terms
Loan requests range from $200 to $5,000. APRs, fees and repayment periods vary by lender, state and borrower qualifications. Lenders that serve borrowers with limited or poor credit may charge APRs above 100%. Your APR and total cost appear in your loan agreement before you sign.
Representative example: $1,000 borrowed over 12 monthly payments at 35.99% APR = about $100.46 per month; total repayment about $1,205.49.
Implications of non-payment
Missing payments may result in late fees, returned-payment fees, collection activity and negative reporting to credit bureaus, which can lower your credit score. Contact your lender before you miss a payment.
Renewal policies
Renewal and refinancing options are set by each lender and state law. Renewing may increase your total cost. Review any renewal offer carefully.
State availability
Loans are not available in all states. Lenders decide where they offer loans based on their licensing and applicable law.
Compensation
WhitePineLendingUSA.com may receive compensation from lenders when a request is submitted or a loan is funded. This does not cost you anything and does not change our educational content.
Credit inquiries
Initial checks may be soft inquiries that do not affect your score. Lenders may perform hard inquiries before funding.