White Pine Lending vs Post Lake Lending
Both are tribal installment lenders charging triple-digit APRs, so this is not a contest of good options — it is about which is less expensive and less risky. On our methodology they land within 0.1 of each other — effectively a tie.
| Feature | White Pine Lending | Post Lake Lending |
|---|---|---|
| Our score (/10) | 2.2 | 2.3 |
| APR range | ≈780% (reported) | 735–778% (reported) |
| Loan amounts | $300–$950 | $200–$5,000 |
| Product | installment | installment |
| Owning tribe | Sokaogon Chippewa Community | Sokaogon Chippewa Community |
| Lending since | 2022 | 2022 |
Pick White Pine Lending if…
- You were only approved by White Pine Lending.
Skip White Pine Lending if…
- You live in a state it does not lend to: Arkansas, Connecticut, Georgia, Maryland and 8 more.
- You want to see the APR before you apply — it publishes none; the rate appears only in the agreement.
- You need more than $950 — that is its ceiling.
Pick Post Lake Lending if…
- Lower maximum APR (778% vs 780%)
- Larger loans available (up to $5,000)
- Higher overall score (2.3 vs 2.2)
Skip Post Lake Lending if…
- You live in a state it does not lend to: Alabama, Arkansas, Connecticut, Georgia and 15 more.
- You want to see the APR before you apply — it publishes none; the rate appears only in the agreement.
Our take on each
White Pine caps first-time borrowers at $950 — a real constraint, and the most borrower-protective thing about it. The rest is familiar: an APR it does not publish (one BBB complaint documents about 780%), a Washington regulatory alert shared with its sister brand Post Lake, and membership in a "Pine" family of near-identical sites most borrowers never realize is one company.
Post Lake Lending collects through a 'voluntary wage assignment' that pulls up to 15% of your gross pay straight from your employer — and it racked up ~200 BBB complaints in barely three years.