The following terms of agreement apply to all of our online applications; we, us, our and ours as used below refer to the dealer and to the Financial Institutions selected to receive your application.

You authorize the dealer, as part of the credit underwriting process, to submit this application and any other application submitted in connection with the proposed transaction to the Financial Institutions disclosed to you by the dealer, for review.

In addition, in accordance with the Fair Credit Reporting Act, you authorize that such Financial Institutions may submit your applications for review to other Financial Institutions that may want to purchase your contract.

You agree that we and any Financial Institutions to which your application is submitted may obtain a consumer credit report periodically from one or more consumer reporting agencies (credit bureaus) in connection with the proposed transaction and any update, renewal, refinancing, modification or extension of that transaction.

You agree that we may verify your employment, pay, assets and debts, and that anyone receiving a copy of this is authorized to provide us with such information.

You further authorize us to gather whatever credit and employment history we consider necessary and appropriate in reviewing this application and any other applications submitted in connection with the proposed transaction. We may keep this application and any other application submitted to us, and information about you whether or not the application is approved.

You certify that the information on this application and in any other application submitted to us, is true and complete. You understand that false statements may subject you to criminal penalties.

State Notices

If you, the applicant, are married and live in a community property state, you should also provide the personal credit information on your spouse in the co-applicant section.

Your spouse is not required to be a co-applicant for the credit requested unless he/she wishes to be a co-applicant.

If we grant you credit, we or our servicer may order additional consumer reports in connection with any update, renewal or extension of the credit. If you ask us, we will tell you whether we obtained a consumer report and if we did, we will tell you the name and address of the consumer reporting agency that gave us the report.

By clicking on Submit, you authorize us and our employees or agents to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that we may deem necessary or appropriate in reviewing your application. If your application is approved and credit is extended, you also authorize us, and our employees and agents, to obtain additional credit reports and other information about you in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.