The words "we," "us," "our" and "ours" as used below refer to us, the dealer, and to the financial institution(s selected to receive your application. You understand and agree that you are applying for credit by providing the information to complete and submit this credit application. We may keepthis 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 the application and in any other application submitted to us, is true and complete. You understand that false statements maysubject you to criminal penalties. The words "you," "your" and "yours" mean each person submitting this application. You authorize us to submitthis application and any other application submitted in connection with the proposed transaction to the financial institutions disclosed to you by us the dealers; in addition, in accordance with the Fair Credit Reporting Act, you authorize that such financial institutions may submit your applications to other financial institutions for the purpose of fulfilling your request to apply for credit. This application will be reviewed by the dealer and such financial institutions. You agree that we 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 also agree that we or any affiliate of ours may obtain one or more consumer credit reports on you at any time during the term of your financing. If you ask, you will be told whether a credit report was requested, and if so, the name and address of any credit bureau from which we or our affiliate obtained your credit report. You agree that the dealer and the financial institutions may verify your employment, pay, assets and debts, and that anyone receiving a of this is authorized to provide such dealer and financial institutions with such information. You further authorize the dealer and the financial copy institutions to gather whatever credit and employment history each considers necessary and appropriate in evaluating this application and any other applications submitted in connection with the proposed transaction. You understand that we will rely on the information in this credit application in making our decision. The dealer and the financial institutions may monitor and record telephone calls regarding your account for quality assurance, compliance, training, or similar purposes.
You consent to receive autodialed, prerecorded and artificial voice calls and text messages for servicing and collection purposes from us at the number(s) telephoneprovided in this credit application, including any cell phone numbers. The consent applies to the dealer, who is the originating creditor in this transaction, as well as any assignee who may purchase your credit contract. You agree that this consent applies regardless of whether you agree to receive telemarketing/sales calls and text messages as provided below.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT If applicable to your credit transaction, to help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifieseachperson who opens an account. What this means for you: When you open an account, you will be asked for your name, address, date of birth, and other information to identify you. You may also be asked to see your driver's license or other identifying documents.
California Residents: An applicant, if married, may apply for a separate account.
Maine and Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. For a lease,mustalso have the liability insurance as described in the lease. You may purchase required insurance through any insurance agent or broker and you from any insurance company that is reasonably acceptable to us. You are not required to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular insurance agent, broker or insurer will not affect our credit decision, so long as the insurance providesadequatecoverage with an insurer who meets our reasonable requirements.
New Hampshire Residents: If you are applying for a balloon payment contract, you are entitled, if you ask, to receive a written estimate of the monthly payment amount for refinancing the balloon payment in accord with the creditor's existing refinance programs. You would be entitled to receive the estimate before you enter into a balloon payment contract. A balloon contract is an installment sales contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.
York New Residents: In connection with your application for credit, a consumer report may be obtained from a consumer reporting agency (credit bureau Ifcreditextended, the party or parties extending credit or holding such credit may order additional consumer reports in connection with any update, is renewal or extension of the credit. If you ask, you will be told whetheraconsumer report wasrequested and,ifso, the name and address of any consumer reporting agency (credit bureau) from which such credit report was obtained.
Ohio Residents:Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit agencies reportingmaintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
Rhode Island Residents: Consumer reports may be requested in connection with this application. Buyer has the right of free choice in selecting an insurer to provide insurance required in connection with this transaction subject to our reasonable approval in accordance with applicable law.