I certify that all information provided in this online credit application is true and complete. I authorize Innovative Funding Services, L.L.C. to rely on this information to make inquiries for the purpose of evaluating and verifying this credit application, including obtaining credit reports and contacting my employer.
If unable to approve this request, I authorize Innovative Funding Services, L.L.C., on my behalf, to forward my credit application, and the results of my application to affiliated/nonaffiliated third parties that may assist me in obtaining vehicle financing. They may also obtain a credit report for this purpose. Such third parties may include other automobile lenders.
I agree that when I click on the "submit" button I am consenting, acknowledging and agreeing to a hard pull of credit by lenders in relationship to your automobile loan inquiry, Please note that I am providing "Written Consent" for any inquiry and contact method that may apply. I acknowledge a credit inquiry may impact my credit score.
I acknowledge that the information provided constitutes my credit inquiry or application to Innovative Funding Services, L.L.C. and to any arranger of credit or creditor to which my information may be disclosed to process my application. I further expressly agree that any arranger of credit or creditor who receives my information may contact me at the calling numbers I have provided, including my cellular phone number, via live, prerecorded telephone call, text or email message. I understand that my telephone company may impose charges on me for these contacts and I am not required to sign this document as a condition to purchase any good or service. I intend this consent to be effective even if my calling numbers or e-mail addresses are included in a do-not-call list or registry. I understand that I can revoke this consent at any time.
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.
If you are pursuing an auto refinance loan with IFS, it is strongly recommended that you continue to make your vehicle payments to your current financial institution until confirmation has been received that it has been paid in full.