Terms and Conditions
NOTICES
California Residents. If married, each applicant can apply for a separate account.
Maine Residents. You have the option to choose the agent and insurer for any required insurance related
to
this
credit transaction. This includes selecting an insurance agent or broker, regardless of their
affiliation
with
us. We will not interfere with your right to choose an agent and insurer. Your choice of agent or broker
won't
impact our credit decision, as long as the insurance offers sufficient coverage with an insurer meeting
our
reasonable requirements, such as solvency and assessment policies, and the ability to service the
policy.
New Hampshire Residents. If this is a balloon retail sales contract application, you can request a
written
estimate of the monthly payment for balloon payment refinancing before entering into a balloon contract.
New York Residents. A consumer report may be obtained in connection with your application. Upon request,
we'll
disclose whether a report was ordered and provide details if ordered. Subsequent reports may be used for
credit
updates, renewals, or extensions.
Ohio Residents. Ohio laws against discrimination mandate equal credit availability to all creditworthy
customers. Credit reporting agencies must maintain separate credit histories for each individual upon
request.
The Ohio Civil Rights Commission oversees compliance. Submitting a fraudulent application or claim is
insurance
fraud.
Wisconsin Residents. Notice to Married Applicants. No marital property agreement, unilateral statement
under
Wisc. Statutes § 766.59, or court decree under Wisc. Statutes § 766.70 affects the Creditor's interests
unless
provided a copy or has actual knowledge before granting credit. For Married Wisconsin Residents. The
applied-for
credit, if granted, will be incurred in the interest of my marriage or family. I understand the Creditor
may
be
required by law to notify my spouse of this transaction.
AUTHORIZATIONS
By submitting this Credit Application, you grant us permission to reach out to you using any telephone
numbers
provided in this application or subsequently provided in connection with your credit account. This
authorization
applies to all types of phone services, whether assigned to paging, cellular, specialized mobile radio,
other
radio common carrier services, or any service incurring charges for the call. Additionally, you
authorize us
to
contact you via voice, text, and email, using prerecorded or artificial voice messages or an automatic
dialing
device. You acknowledge and agree that your telephone communications with us and any financial
institution
reviewing this Credit Application may be monitored and/or recorded to ensure service quality.
Furthermore, you authorize us to request one or more consumer reports for any legitimate purpose related
to
the
proposed transaction outlined in this Credit Application or any subsequent updates, renewals, or
extensions.
This authorization includes the verification of information such as your credit, income, employment
history,
and
the contacting of a spouse for spouse-related information. You also grant us the authority to respond to
inquiries about our credit experience with you.
In addition, you empower us to submit this Credit Application and associated documents to the designated
financial company(ies). These companies and their affiliates are also authorized to obtain any necessary
information to verify details related to this Credit Application, encompassing credit checks, income
verification, employment history, and spouse-related information verification.