Terms & Conditions

Truth-in-Lending Disclosure (Regulation Z Compliant)

White Coat Financial Partners, Inc. (“White Coat Financial”)

The following disclosures are provided in accordance with the Truth-in-Lending Act (TILA) and Regulation Z. All credit products facilitated by White Coat are subject to credit approval and underwriting verification.

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1. Annual Percentage Rate (APR)

The APR is the cost of your credit as a yearly rate.
APRs for loans facilitated by White Coat Financial range from 9.99% to 26.99%.
The APR includes both the interest rate and an origination fee of 1.00%–5.00%, which is deducted from loan proceeds.

Example:

• Loan Amount: $35,000
• Origination Fee: 2.00% ($700)
• Interest Rate: 14.99%
• Term: 60 months
• Monthly Payment: $832.46

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2. Finance Charge

The finance charge is the total cost of credit, including interest and applicable fees, expressed in dollars.
The exact finance charge will be disclosed in your final Credit Agreement prior to funding.

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3. Amount Financed

The amount financed is the loan amount minus the origination fee.
For example, a $35,000 loan with a 2.00% origination fee results in $34,300 disbursed to the borrower.

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4. Total of Payments

The total of payments is the amount you will have paid after making all scheduled payments, including principal and finance charges.
This amount will be disclosed in your final Credit Agreement.

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5. Payment Schedule

Your payment schedule—including number of payments, payment amount, and due dates—will be disclosed in the Credit Agreement before consummation of the loan.

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6. Variable Terms & Conditions

Loan terms, including APR, loan amount, and repayment period, may vary based on:

• Credit score
• Credit history
• Verified income
• Underwriting requirements
• Other eligibility factors

The lowest APRs are available only to the most qualified applicants.

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7. Credit Report Authorization

White Coat Financial will obtain a soft credit inquiry during the initial application, which does not affect your credit score.
Upon acceptance of final loan terms, White Coat Financial will obtain a hard credit inquiry, which may impact your credit score.
Repayment information may be reported to consumer reporting agencies.

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8. Transfer of Loan Ownership

White Coat Financial Partners may sell, assign, or transfer your loan after funding.
Borrowers will be notified of any such transfer in accordance with federal law.

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9. No Guarantee of Credit

This disclosure is not a firm offer of credit. All offers are contingent upon verification, approval, and execution of final loan documents.