Coms service is always free to you. By submitting your information via this website, you are authorizing WhiteRockLoans. com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others.
You also authorize WhiteRockLoans. com to share your information and credit history with a network of approved lenders and lending partners. Lenders Disclosure of Terms. The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan.
Loan fees and interest rates are determined solely by the lender based on the lenders internal policies, underwriting criteria and applicable law. WhiteRockLoans.
In order to get a loan the client needs to show 2 forms of picture ID and agree to the terms of the loan. A pawn loan is for 30-days at the cost of 30 per hundred dollars borrowed (5 interest plus 25 storage fee). Other optional charges such as insurance could apply. In our example the client who pawned the guitar will come back in 30 days and pay back 260 and have his guitar returned to him.
If they cant pay the full amount, they have the option to pay by the day for the extra time needed. What happens if the pawn loan is not paid back. We make every attempt to have each and every item that is pawned picked up by the person who pawned it. However, sometimes even after repeated attempts to contact the client the item goes unclaimed.
Finding the Best Loan When You Have Bad Credit. Be sure to evaluate a range of choices when youre searching for the best bad credit loans. Youll want to find a lender who knows your credit score is just one part of a bigger picture, and youll need to make sure you understand what kind of loan you need, what kinds of loans to avoid, and how to avoid scams.
Youll want to consider all of your options to find the best loans for bad credit that work well with your unique situation. A great place to start is to compare multiple loan companies using our free loan search below. I also particularly recommend Avant for unsecured loans, OneMain for secured loans, and Peerform for peer-to-peer loans.
Please Read Carefully. This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where WhiteRockLoans. com does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps.
If you are connected to a tribal lender, please understand that the tribal lenders rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.