I certify that the information on this application is accurate and true
Terms and Conditions
You must be at least 18 years of age to be eligible. You must continue to meet the criteria used to select you for this offer and our credit worthiness criteria. You must provide evidence of at least $2,000 gross monthly income. You must provide evidence of Full Coverage Automobile Insurance at the time the vehicle is refinanced. You must provide a valid driver license (one loan allowed per valid Driver License). Your monthly car payment under any loan extended in connection with this offer cannot exceed 18% of your gross monthly income. Your maximum monthly expenses do not exceed 45% of your gross monthly income, including the credit offered on this letter. By responding to this offer, you understand that if a current credit bureau report indicates current delinquent accounts, this credit offer can be withdrawn. This offer is nontransferable. This offer expires 45 days from the postmark date. Credit is available for the refinance of a 2008 model year or newer with a maximum mileage not to exceed 85,000. Vehicle cannot be a commercial vehicle, not a conversion package, does not have a salvaged or branded title, is not greater than a one ton vehicle, is not a motorcycle, or a vehicle in which the odometer has been replaced. Negative equity may need to be paid for with an additional down payment. Additional terms and conditions may apply. The information you provide may be shared with other companies including but not limited to financial partners and automotive dealerships.
When you initiate use of our services including, without limitation, attempting to complete an online application or completing an online application or contacting Alliance Direct Lending (collectively “Service”), you accept this Agreement and consent to being contacted by Alliance Direct Lending via e-mail, text or by phone.
*If you continue to meet the criteria used to select you for this offer and the above conditions, you are pre-qualified or the amount shown on the front of this letter, at an interest rate between 3.99% APR and the maximum permitted interest rate for your state, calculated according to the simple interest method, for a term of up to 72 months. For example: for every $1,000 financed @ 11.9% APR for a period of 72 months the monthly payment is $19.50 and @ 15.9% APR is $21.64. Therefore, if you finance $15,000 @ 11.9% APR over 72 months, your monthly payment will be $292.50. See dealer for additional examples. Depending upon your individual circumstances, you may be able to borrow more than the $7,500 minimum amount and your interest rate may be less than the maximum permitted by your state.
*CALIFORNIA RESIDENTS: If married, you may apply for credit separately as an individual.
In order to provide you with additional product and service offerings, we may disclose all Private Information about you with trustworthy and reputable third parties such as:
Financial service providers.
Others who may aid in obtaining financing.
IF YOU PREFER THAT WE NOT DISCLOSE YOUR PRIVATE INFORMATION WITH NON-AFFILIATED MARKETING COMPANIES, YOU MAY “OPT-OUT” OF THOSE DISCLOSURES, THAT IS, YOU MAY DIRECT US NOT TO MAKE THOSE DISCLOSURES (OTHER THAN DISCLOSURES OTHERWISE PERMITTED BY LAW). IF YOU WISH TO OPT OUT OF OFFERS OTHER THAN SUBMITTING A VEHICLE FINANCE APPLICATION, SIMPLY DO NOT CHECK THE BOX NEXT TO “I WOULD LIKE TO RECEIVE OTHER SPECIAL OFFERS” ON THE VEHICLE FINANCE APPLICATION FORM.
We will not release your personally-identifiable data without your permission.
BROWSING THIS WEB-SITE
If you access www.alliancedirectlending.com without entering any personal information, we will gather and store information about your visit. This information does not identify you and cannot link back to you unless you choose to identify yourself.
When you submit a vehicle financing application, we will need to obtain personally identifiable information from you or about you. Such personally identifiable information may include your name, home address, residence information, employment information, e-mail address, telephone number, social security number, financial information, bankruptcy history, credit references, etc. Consumers who submit an application expressly authorize us and third party partners to contact them in connection with each application and/or request regardless of whether or not such consumer is listed on a “Do Not Call” list.
The information we receive about you or from you may be used by us or shared (including evaluating and obtaining financial products or services) by us with our corporate affiliates, agents, vendors and other third parties to help process your request or complete a transaction; to comply with any law, regulation, audit or court order; to help improve our website or the products or services we offer; for research; to better understand our customers’ needs; to develop new offerings; and to alert you to new products and services (of us or our business associates) in which you may be interested. We may also combine information you provide us with information about you that is available to us internally or from other sources. The more we know about you, the better we are able to serve you.
We may also aggregate your personal information with others’ information and prepare reports on site usage. Those reports are aggregated and include no personally identifying information. Finally, we may use your personal information to send you email or postal communications regarding products or services offered by us or by third parties with whom we have relationships in which we think you may be interested. You may at any time choose not to receive promotional emails from us by contacting us at administrator@ alliancedirectlending.com . Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to www.alliancedirectlending.com , as well as to facilitate, complete, or confirm any transaction that you may enter into or responding to your inquiry or request.
If you prefer for us not to provide your name and email or postal address to third parties for direct marketing purposes, please contact us at administrator@ alliancedirectlending.com.
We collect nonpublic personal information about you from the following sources:
Information we receive from you on applications on our website or other forms.
Information about your transactions with us, our affiliates, or others.
We will disclose all of the information we collect, as described above, to financial institutions, lender partners, local dealers and other third parties that provide financing referral services to explore financing options to process your credit request. Such Finance Partners are authorized to verify my credit application, including obtaining credit reports and contacting my employer. I further expressly agree that Finance Partners may contact me at any of the phone numbers I have provided, using text messages, prerecorded or artificial voice messages, or an automatic telephone dialing system, even if the phone number is a cell phone number or if the contact results in a charge to me. Additionally, Finance Partners may send nonpublic personal information regarding my application or loan to me via text message or email. I intend this consent to be effective even if my calling numbers are included in a do-not-call list or registry.
We also may disclose non-public personal information about you to non-affiliated third parties as permitted by law.
Information submitted to us in connection with a financing request is used to transmit the request to third parties who may be in a position to respond to your request. We do not provide financing, but instead transmit those requests to third-party vendors for consideration.
Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you submit a financing application, your name, residential address, date of birth and social security number will be used to verify your identity. In addition, as part of the request process, we may verify the information you provide, or obtain omitted address or other contact information from third parties.
By checking the box next to “I agree to the Terms & Conditions” and by submitting an Application you are affirming on behalf of the stated Applicant(s): I authorize any and all Finance Partners and its employees, agents and potential assignees to obtain and verify information about me (including one or more credit reports, information about my employment and banking and credit relationships) that any of them may deem necessary or appropriate in evaluating my Application. If my Application is approved and credit is granted, I also authorize such parties to obtain additional credit reports and other information about me in connection with reviewing the account, taking collection on the account, or for any other legitimate purpose. I further understand that multiple credit reports may be obtained by multiple Finance Partners in an attempt to process my Application. “I understand that by checking the box a cosigner is available if necessary” that I may be asked to provide additional information about the cosigner and the cosigner will be asked to provide authorization to pull the cosigner’s credit report as well.
UPDATING OR DELETING YOUR INFORMATION
You may update or delete your information at any time prior to submitting any request to us at administrator@ alliancedirectlending.com.
We safeguard your personal identifying data (e.g., name and social security number) during electronic transmission from you to us using known encryption, security standards and procedures. With respect to our employees, we restrict access to non-public personal information about you only to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and other procedural safeguards to comply with applicable privacy laws to guard your nonpublic personal information. We also assess new technology for protecting sensitive customer information on an ongoing basis. However, if your information is forwarded to a third party provider, your information will be transmitted according to the security and privacy policies of that third party provider whose privacy practices may differ from ours. Your information, as shared with outside providers will become subject to those different privacy policies.
We do not knowingly collect information from individuals under the age of eighteen (18). No information should be submitted to, or posted at, the Site by individuals under eighteen (18) years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
DO NOT CALL REGISTRY COMPLIANCE
By submitting personal contact and/or financial information through (alliancedirectlending.com domain), the user hereby grants written permission to alliancedirectlending.com, its affiliated sites, and its business partners for contact via telephone, mail, e-mail and/or text messaging (standard text messaging rates apply). Further, by registering at alliancedirectlending.com you are consenting to receive phone calls from alliancedirectlending.com, its affiliated sites, and its business partners for contact via telephone, including but not limited to Finance Partners that may contact you regarding credit counseling and thereby registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts.
OPTING-OUT OF FURTHER COMMUNICATIONS
To opt-out of communications from Alliance Direct Lending, Inc. registrants may opt-out of receiving further communications from alliancedirectlending.com by:
following “unsubscribe” instructions in any alliancedirectlending.com e-mail received by registrant, or
writing to administrator@ alliancedirectlending.com
Unsubscribing from the alliancedirectlending.com email list does not automatically unsubscribe you from other email lists. Please read your email carefully to understand which email list you are unsubscribing from.
Such Finance Partners are authorized to verify my credit application, including obtaining credit reports and contacting my employer. I further expressly agree that Finance Partners may contact me at any of the phone numbers I have provided, using text messages, prerecorded or artificial voice messages, or an automatic telephone dialing system, even if the phone number is a cell phone number or if the contact results in a charge to me. Additionally, Finance Partners may send nonpublic personal information regarding my application or loan to me via text message or email. I intend this consent to be effective even if my calling numbers are included in a do-not-call list or registry.”