State Law Disclosures
CALIFORNIA RESIDENTS: If married, you may apply for credit separately as an individual.
MAINE RESIDENTS: You have free choice in the selection of the agent and insurer through or by which the insurance in connection with the requested loan is to be placed. Your decision to obtain any insurance product from an agent, broker or insurer of your choice will not affect the credit decision unless the insurance product you choose does not comply with the lender's reasonable requirements.
NEW HAMPSHIRE RESIDENTS: If you are applying for a balloon payment contract, upon request and before entering into the balloon payment contract, you are entitled to receive a written estimate of the monthly payment amount for refinancing the balloon payment in accord with the creditor's existing refinance programs. A balloon contract is an installment sale contract with a scheduled final payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.
NEW YORK RESIDENTS: In connection with this application, we may request a consumer report on you. If you request, we will inform you whether or not a consumer report was requested and, if it was, of the name and address of the consumer reporting agency that furnished the report. Additional consumer reports may be ordered without further notice to you in connection with any update, renewal or extension of credit granted.
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
RHODE ISLAND RESIDENTS: Credit Reports may be obtained in connection with this application for credit.
VERMONT RESIDENTS: You authorize Dealer and any financial service provider with whom this application is shared, and each of their respective 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 they may deem necessary or appropriate in evaluating your credit application. If your application is approved and credit is granted, you also authorize the parties granting credit and/or holding your account, and their respective 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.
WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral statement under Wis. Stat. 766.59, or a court decree under Wis. Stat. 766.70 applied to marital property adversely affects our interest unless you furnish a copy of such agreement, statement, or decree to us or we have actual knowledge of such adverse provision before credit is granted.
Electronic Disclosures
I have read the Consent to Electronic Records below and agree to conduct transactions and receive records electronically.To the extent permitted by law, CarFinance.com (CarFinance) will provide all disclosures and notices to you in electronic form including, but not limited to, any notices (e.g., adverse action notice and privacy policy notice) required by the Equal Credit Opportunity Act, Gramm-Leach-Bliley Act, other federal law, and any implementing regulations. For purposes of this consent, these disclosures and notices are referred to as Records. This Consent to Electronic Records informs you of your rights when Records will be provided to you electronically. By consenting, you acknowledge receipt of this Consent to Electronic Records and agree to the electronic delivery of the Records. Hardware and Software Requirements. The Records will be provided to you either on the CarFinance website, in an email message, or as an attachment to an email message sent to the email address you provide as part of your request, application, or registration. To access the Records, you will need Adobe Acrobat Reader version 7 or higher, and a personal computer or other access device which is capable of accessing the Internet. To retain the Record, your access device must have the ability to either download the Records to your computers hard drive or print the Records.Right to Withdraw Consent, Procedures for Withdrawal and Updating Information. You may withdraw your consent to receive the Records electronically at any time, or update your contact information at any time by emailing ElectronicRecords@CarFinance.com and withdrawing your consent or providing your updated contact information. Consent Applies to Transaction. Your Consent to Electronic Records applies to the transaction you've requested which may give rise to the obligation to provide the Records and to any other dealings or transactions you may have with CarFinance. Right to Paper Records and Copies of Records. You have the right to have the Records provided to you in paper form, rather than electronic form. If you wish to obtain the Records in paper form, contact CarFinance by emailing ElectronicRecords@CarFinance.com. A paper copy of the Record will be provided to you at no charge.
