Terms & Conditions

All of White Coat Financial Partner(s) loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, including other terms and conditions may apply. White Coat is an intermediary finance company and may sell, assign, or transfer ownership of your loan to another party after the loan funds. You (borrower) will receive notification if and when any such sale, assignment, or transfer occurs.

Annual Percentage Rates (APRs) for White Coat Financial Partners loans range from 9.99% to 26.99%, which does not reflect the benefits of a possible 0.25% interest rate discount for using automated ACH payments. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 1.00% to 5.00% of your loan amount, which will be deducted from any loan proceeds you receive. For example: a $35,000 loan with an origination fee of 2.00% and an interest rate of 14.99% has $700 in origination fees and 60 scheduled monthly payments of $832.46.

Loan amounts range from $5,000 and upward.

When you apply for a loan through us, we will check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept and sign your final credit agreement, we will request your full credit report, which is considered a hard credit check and may affect your overall credit score. If you take out a loan, repayment information may be reported to the credit bureaus.

This is not a guaranteed offer of credit and is subject to credit approval. The term, amount and APR of any loan we may offer to you will depend on your credit score, credit history, verified income, and other factors. The lowest rates are only available to the most qualified applicants