How It Works

Your Installment Loan application is processed completely online. You simply submit your application at and if approved, a Customer Service Representative will contact you within minutes. Once approved, the funds from your loan are deposited directly into your bank account, usually the next business day. You repay the loan on the schedule agreed to with your Customer Service Representative.

Why do I need to speak with a Customer Service Representative?

What is an Installment Loan?

An Installment loan is a loan that is repaid over time with a set number of scheduled payments; a mortgage, for example, is a type of installment loan. The term is most strongly associated with traditional consumer loans, and repaid over time by regular payments of principal and interest.

How do I qualify for an Installment Loan?

  1. You are at least 18 years old and a citizen of the United States.
  2. You have a job or proven source of income.
  3. You have an email address.
  4. You have a checking account.

How long does it take to get approved?

Typically, the approval process takes only minutes.

Is there an application fee?

No, you will never be charged an application fee or any upfront fees of any sort by Be extremely careful with lenders that try to charge an application fee, or any kind of upfront fees for any kinds of loans.

What are the fees for an Installment Loan?

Our loans range from $300-$1000. Returning customers with a successful repayment history can qualify for up to a max of $1,500. Loan fees vary by the amount of the loan outstanding, the frequency of repayment scheduled, as well as the total number of payments agreed to. White> fees are competitive in the industry and regulated by federal laws.

When is the loan amount due?

The standard time for loan repayment is determined by your pay schedule and the amount of money you borrow. Each Payment on your Installment Loan will be consistent, and apply toward both the amount borrowed and the fees. There is no refund for paying off early.

Is my application and financial information secured?

Very secure. All sensitive information transmitted between your browser and our website uses 128-bit Secure Socket Layer (SSL) encryption technology.

How often can I get an Installment Loan? is here to help anytime you need extra cash. We encourage all our clients to keep in mind that an Installment loan should not be used repeatedly to deal with continuing budgeting issues. If you need additional help with credit, budgeting or debt management, please go to the National Foundation for Credit Counseling at

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**Sokaogon Finance dba White Pine Lending is a sovereign enterprise, an economic development arm and instrumentality of, and wholly-owned and controlled by the Sokaogon Chippewa Community of Mole Lake, a federally-recognized sovereign Indian Tribe (the “Tribe”). This means that White Pine's loan products are provided by a sovereign government and the proceeds of our business fund governmental services for Tribal citizens. This also means that Sokaogon Finance is not subject to State suit or service of process. Rather, Sokaogon Finance is regulated by the Tribe. It is the express intention of the Sokaogon Chippewa Community to fully preserve, and not waive, either in whole or in part, exclusive jurisdiction, sovereign immunity, and any other rights, titles, privileges, and immunities to which the Tribe is entitled. If you do business with Sokaogon Finance, your potential forums for dispute resolution will be limited to those available under Tribal law and your loan agreement. As more specifically set forth in the White Pine loan agreement, these forums include an informal but affordable and efficient Tribal dispute resolution, or individual arbitration before a neutral arbitrator. You may opt out of arbitration by following the instructions in your loan agreement. If you do not opt out of arbitration pursuant to the loan agreement, you agree that you have chosen to have any dispute arising out of or relating to the loan agreement or your relationship with the Sokaogon Chippewa Community resolved by binding arbitration. If you are not comfortable doing business with a sovereign entity that is immune from a lawsuit in State court, you should discontinue use of this website. Applications processed and approved before 5:30 p.m. ET are typically funded the next business day. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Maximum loan amount for initial loan is $950.00. Refer to Loan Cost & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within the Loan Agreement.

Please note: THIS IS AN EXPENSIVE FORM OF CREDIT. White Pine Lending loans are designed to help you meet your short-term borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for longer-term credit or other financial needs. Alternative forms of credit may be less expensive and more suitable for your financial needs. Alternative sources you could consider include: a credit card cash advance; personal loans; home equity line of credit; existing savings; or borrowing from a friend or relative.