Important Disclosures. 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.
When this happens, it takes 5-7 business days for your bank to return the funds to us and we cant redeposit the loan until we get that money back. Well follow up with you as soon as we receive the returned loan and help you reapply. In the meantime, you can speed up this process by contacting your bank and asking them to return the funds.
Yes, we look at data from many places, including consumer reporting agencies. Spotloan makes whats called a soft inquiry on your credit report, as opposed to whats called a hard pull.
Soft inquiries may or may not be recorded on your credit report, depending on the credit bureau, but soft inquiries do not result in a decrease in your credit score because of the inquiry.
In other words, checking your rate or just applying for a Spotloan wont affect your credit score.
Regardless, WhiteRockLoans. 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.