WY Finance is operated by UNION WY FINANCE COMPANY LLC ("WY Finance"), an online loan marketplace. WY Finance is not a lender and does not make loans or credit decisions. This disclosure summarizes the terms of loans that participating lenders and lending partners ("Providers") may offer through the App.
Loan amounts
Loan amounts offered through WY Finance range from $250 to $5,000. The amount you are offered depends on the Provider, your state of residence and your eligibility, and may be lower than the amount you request.
APR and fees
The Annual Percentage Rate (APR) is the yearly cost of a loan, including interest and certain fees. APRs for loans offered through WY Finance range from 6.50% to 35.55%, including all applicable costs and fees. Some Providers charge an origination fee, which is included in the APR. The Provider will show you the final APR, finance charge, fees and total repayment amount before you accept an offer. WY Finance does not charge you any fee.
Repayment terms
Repayment terms range from a minimum of 3 months to a maximum of 36 months. No loan offered through WY Finance requires full repayment in 60 days or less. Your repayment schedule and payment due dates are set by the Provider and stated in your loan agreement.
Representative example. A $1,000 loan at 24.00% APR with a 12-month term has 12 monthly payments of about $94.56, for a total repayment of $1,134.72. A $5,000 loan at the maximum APR of 35.55% with a 36-month term has 36 monthly payments of about $227.74, for a total repayment of $8,198.62. These examples are illustrations, not offers of credit.
Provider responsibility
All approvals, APRs, repayment terms, fees, payment due dates, funding times and final loan conditions are decided by the Provider. Funding usually takes 1 to 3 business days after you sign the loan agreement, depending on the Provider and your bank. Late payments, returned payments and non-payment may result in additional fees under your loan agreement, collection activity and reporting to credit bureaus, which can lower your credit score. Review every term of the Provider's loan agreement carefully before you accept.
No guarantee
WY Finance does not guarantee that you will be matched with a Provider, receive an offer, be approved or receive a particular amount, rate or term. Submitting a request does not obligate you to accept any offer. Providers are not available in all states.
Loans offered through WY Finance are designed for short-term financial needs and are not a long-term financial solution. Borrow only what you can repay comfortably.
Contact
UNION WY FINANCE COMPANY LLC
201 W Lakeway Rd, Gillette, WY 82718-6305, United States
help@uniontrustfinance.com
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