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.
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It aint their fault I couldnt manage it, he said. But he says the same thing that happened to him could happen to anyone. The payments are so high [for these types of loans], theres no way anyone could honestly pay them. And anybody that dont make a whole lot of money, its gonna do them the same way. So they really shouldnt even be offered. If you have a personal story about borrowing money online, The Huffington Post wants to hear from you. Contact Hunter Stuart at hunterhuffingtonpost. com or 212-402-7149.
Update, January 21, 2015: Lisa McGreevy, CEO of the Online Lenders Alliance, emailed HuffPost an extensive response to this article. She reiterated the stance of the OLA representative in the story, that state laws about online lending are unclear and that most online lenders don't operate in states "where jurisdiction is in question.
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.
The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
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