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
Communication Policy Customer Advisory Privacy Policy Terms of Use

© 2025 WhitePineLending.com. All rights reserved.

**Sokaogon Finance dba White Pine Lending is a sovereign enterprise, a wholly owned and controlled tribally chartered corporation and an economic development arm and instrumentality of the Sokaogon Chippewa Community, a federally-recognized Indian Tribe organized pursuant to 25 U.S.C. § 5123 (the “Tribe”). This means that White Pine's loan products are provided by a sovereign government and the proceeds of our business fund essential governmental services for Tribal members. White Pine is not subject to State suit or service of process. Rather, White Pine is regulated by the Tribe. It is the express intention of White Pine and the Tribe 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 White Pine, your potential forums for dispute resolution will be limited to those available under Federal and Tribal law. As more specifically set forth in your loan agreement, White Pine offers an affordable and efficient dispute resolution through individual binding arbitration. 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 White Pine 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.

This service is offered to you via the internet from the reservation of the Sokaogon Chippewa Community, a federally recognized Indian tribe, regardless of where you may be situated or access this site, and does not constitute an offer or solicitation for consumer loans in a state. The Tribe does not accept applications for this service from residents of all states, and the service may or may not be available to residents of your particular state. The states from which the Tribe chooses to accept applications may change from time to time without notice. By obtaining services from this site you are submitting to the jurisdiction of the Sokaogon Chippewa Community.

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.

The service and website may change at any time without notice.

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.