Sample Rates and Terms

Annual Percentage Rate

780%
The cost of credit as a yearly rate.

Finance Charge

$1,464.60
The dollar amount the credit will cost you.

Amount Financed

$300
The amount of credit provided you or on your behalf

Total of Payments

$1,764.60

Payment 1

  • Date: 6/6/2017
  • Finance Charge: $45.01
  • Principal Payment: $0.47
  • Total Payment: $45.48
  • Remaining Principal: $300.00

Payment 2

  • Date: 6/30/2017
  • Finance Charge: $89.88
  • Principal Payment: $0.60
  • Total Payment: $90.48
  • Remaining Principal: $299.53

Payment 3

  • Date: 7/14/2017
  • Finance Charge: $89.74
  • Principal Payment: $0.74
  • Total Payment: $90.48
  • Remaining Principal: $298.93

Payment 4

  • Date: 7/28/2017
  • Finance Charge: $89.46
  • Principal Payment: $1.02
  • Total Payment: $90.48
  • Remaining Principal: $298.19

Payment 5

  • Date: 8/11/2017
  • Finance Charge: $89.19
  • Principal Payment: $1.30
  • Total Payment: $90.48
  • Remaining Principal: $297.17

Payment 6

  • Date: 8/25/2017
  • Finance Charge: $88.76
  • Principal Payment: $1.72
  • Total Payment: $90.48
  • Remaining Principal: $295.87

Payment 7

  • Date: 9/08/2017
  • Finance Charge: $88.20
  • Principal Payment: $2.28
  • Total Payment: $90.48
  • Remaining Principal: $294.15

Payment 8

  • Date: 9/22/2017
  • Finance Charge: $87.50
  • Principal Payment: $2.98
  • Total Payment: $90.48
  • Remaining Principal: $291.87

Payment 9

  • Date: 10/06/2017
  • Finance Charge: $86.66
  • Principal Payment: $3.82
  • Total Payment: $90.48
  • Remaining Principal: $288.89

Payment 10

  • Date: 10/20/2017
  • Finance Charge: $85.54
  • Principal Payment: $4.94
  • Total Payment: $90.48
  • Remaining Principal: $285.07

Payment 11

  • Date: 11/03/2017
  • Finance Charge: $84.00
  • Principal Payment: $6.48
  • Total Payment: $90.48
  • Remaining Principal: $280.13

Payment 12

  • Date: 11/17/2017
  • Finance Charge: $82.04
  • Principal Payment: $8.44
  • Total Payment: $90.48
  • Remaining Principal: $273.65

Payment 13

  • Date: 12/01/2017
  • Finance Charge: $79.52
  • Principal Payment: $10.96
  • Total Payment: $90.48
  • Remaining Principal: $265.21

Payment 14

  • Date: 12/15/2017
  • Finance Charge: $76.30
  • Principal Payment: $14.18
  • Total Payment: $90.48
  • Remaining Principal: $254.25

Payment 15

  • Date: 12/29/2017
  • Finance Charge: $71.96
  • Principal Payment: $18.52
  • Total Payment: $90.48
  • Remaining Principal: $240.07

Payment 16

  • Date: 1/12/2018
  • Finance Charge: $66.50
  • Principal Payment: $23.98
  • Total Payment: $90.48
  • Remaining Principal: $221.55

Payment 17

  • Date: 1/26/2018
  • Finance Charge: $59.22
  • Principal Payment: $31.26
  • Total Payment: $90.48
  • Remaining Principal: $197.57

Payment 18

  • Date: 2/09/2018
  • Finance Charge: $49.84
  • Principal Payment: $40.64
  • Total Payment: $90.48
  • Remaining Principal: $166.31

Payment 19

  • Date: 2/23/2018
  • Finance Charge: $37.66
  • Principal Payment: $52.82
  • Total Payment: $90.48
  • Remaining Principal: $125.67

Payment 20

  • Date: 3/09/2018
  • Finance Charge: $21.84
  • Principal Payment: $68.64
  • Total Payment: $90.48
  • Remaining Principal: $0
ANNUAL PERCENTAGE RATE
The cost of credit as a yearly rate.		 FINANCE CHARGE
The dollar amount the
credit will cost you.		 Amount Financed
The amount of credit provided
you or on your behalf		 Total of Payments
780% $1,464.60 $300 $1,764.60
Payment Date Finance Charge Principal Payment Total Payment Remaining Principal
1 6/16/2017 $45.01 $0.47 $45.48 $300.00
2 6/30/2017 $89.88 $0.60 $90.48 $299.53
3 7/14/2017 $89.74 $0.74 $90.48 $298.93
4 7/28/2017 $89.46 $1.02 $90.48 $298.19
5 8/11/2017 $89.19 $1.30 $90.48 $297.17
6 8/25/2017 $88.76 $1.72 $90.48 $295.87
7 9/08/2017 $88.20 $2.28 $90.48 $294.15
8 9/22/2017 $87.50 $2.98 $90.48 $291.87
9 10/06/2017 $86.66 $3.82 $90.48 $288.89
10 10/20/2017 $85.54 $4.94 $90.48 $285.07
11 11/03/2017 $84.00 $6.48 $90.48 $280.13
12 11/17/2017 $82.04 $8.44 $90.48 $273.65
13 12/01/2017 $79.52 $10.96 $90.48 $265.21
14 12/15/2017 $76.30 $14.18 $90.48 $254.25
15 12/29/2017 $71.96 $18.52 $90.48 $240.07
16 1/12/2018 $66.50 $23.98 $90.48 $221.55
17 1/26/2018 $59.22 $31.26 $90.48 $197.57
18 2/09/2018 $49.84 $40.64 $90.48 $166.31
19 2/23/2018 $37.66 $52.82 $90.48 $125.67
20 3/09/2018 $21.84 $68.64 $90.48 $0
*The above example is illustrative of a typical credit transaction made available by White Pine Lending. This example assumes that a finance charge starts to accrue on 06/02/2017

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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.