You understand that you have met First Loan Choice's (FLC) prequalification guidelines. While our willingness to proceed with your loan request indicates that we are optimistic about your chances for receiving loan approval, you also understand and agree that (i) FLC has relationships with multiple unsecured lenders; (ii) we offer no guarantee that you will be approved by our recommended lender for all or part of the initial loan amount you requested; (iii) all decisions including, but not limited to, the loan's approval, amounts, interest rates, terms and disclosures will be offered directly to you by the lender, not FLC; (iv) the lender may offer you a fixed, closed-end or revolving loan; (v) FLC will provide your contact information to the lender who is then authorized to contact you; (vi) the lender may obtain your credit report to make a final decision; and (vii) the lender may share with FLC, to the extent permitted by law, certain information about you, your account and your credit experience with them.
You appoint FLC as your special and limited attorney in fact to represent you in the loan application and verification process, either electronically, verbally, written or otherwise. You agree to hold FLC harmless from any misstatements. You understand that depending upon the nature of your loan request, and other possible factors, financing may be approved in your personal and/or business name, and you agree that you will accept your loan proceeds as long as your approved loan terms are acceptable to you.
As a condition of use of the Websites and/or FLC's services, you agree to indemnify FLC and its suppliers, Lenders, Providers against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of the Websites, including without limitation any claims alleging facts that if true would constitute a breach by you of this Agreement.
Limitation of Liability
Depending on which lender is chosen for your particular situation, the following may apply: By submitting this application, you acknowledge and agree to the following: You are at least 18 years of age or at least 21 years of age if a permanent resident of Puerto Rico. Our ("Lender or Lenders") may obtain a credit report about you from a credit reporting agency to process your application, service your account, and manage its relationship with you. The Lender and its affiliates may share certain information regarding this application and this account. The Lender may also share with FLC and with others, to the extent permitted by law, certain information about you, your account and its credit experience with you. Upon the opening of your account, you may indicate a preference to exempt the account from some of this information sharing. Your Account Agreement, which includes an arbitration provision, will govern your account relationship. You will be responsible for all charges incurred under the terms of your Account Agreement. If you have responded to any offer of credit from the Lender in the past 30 days, this application may be considered a duplicate. So that the Lender's credit analyst can make a decision, we must have your authorization to submit this application to the Lender. By allowing us to proceed with your loan request, you agree to all of the disclosures above.
By clicking submit, you are allowing us to process your loan request and you acknowledge you have read the above Terms of Service, Indemnity, Limitation of Liability and Disclosures and that you accept them in their entirety.
You may remove your information from our database. If you remove your information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you. You may remove your information by sending your request in writing via email to firstname.lastname@example.org
Communication and Verification
We consent to receive calls from First Loan Choice and it's partners at a cell phone or land line number provided by me, using an automated dialer or prerecorded message. (Consent can be revoked any time. Consent not required to proceed with electronic application or credit transaction.)
By providing my mobile and/or home phone number, including a number that I later convert to a mobile number, I consent to receive from participating lenders, calls, text messages and pre-recorded messages (including by auto-dialers) to the mobile and home numbers provided in regards to this credit inquiry, even if you have previously indicated your preference of "do not call" with a government registry.
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies every customer. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your drivers license or other identifying documents.
Disclaimer: Debt Management services are solely provided by a tax identifiable nonprofit organization in which First Loan Choice is not or does NOT claim to be. First Loan Choice will assist clients with connecting to a nonprofit debt management firm. First Loan Choice works with attorneys for credit & debt settlement services. First Loan Choice is NOT or does NOT claim to be licensed attorneys or paralegals in any way. First Loan Choice is not a lending institution or does NOT claim to be. Not ALL loan options are solely provided by First Loan Choice and some lenders will refer client to additional financial assistance options. The Annual Percentage Rate or APR is predicated by a client's credit history as well as Debt to Income Ratio (DTI). First Loan Choice has no authority to "guarantee" loans in any way and are dictated by underwriters and direct lending institutions. Debt Services and Some Loan Services are not available in all 50 states. Contact a representative for exact information.