Credit Application

Certification and authorization. By submitting this application, you certify that the information in it is complete and true. You authorize the dealer to submit it to the banks, credit unions and finance companies it works with, and their assignees, to apply for the credit you are asking for. You authorize the dealer and those lenders to obtain consumer credit reports on you, to investigate your credit and employment history, to verify the income, residence and other information you gave, and to share information about their credit experience with you. If credit is extended, you authorize the lender to obtain credit reports later to review or collect the account, or for other legitimate purposes associated with it. The dealer may keep this application whether or not credit is extended.

Not a commitment to lend. This is a request for credit. Financing is subject to approval by a lender, and approval, rate, term and down payment depend on your credit history, income and other factors. Not every applicant will qualify.

Your privacy. Your information is used to process this application and shared only with the lenders it is submitted to and as described in our privacy policy. Your Social Security number or ITIN is encrypted.

Important information about procedures for opening a new account. 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 identifies each person who opens an account. When you apply, you will be asked for your name, address, date of birth and other information that will allow lenders to identify you. You may also be asked to show your driver's license or other identifying documents.

State notices

California residents: If married, you may apply for credit separately as an individual.

Maine, Rhode Island and Tennessee residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of any contract. You may buy this insurance from anyone you choose; you do not have to buy it from someone affiliated with the dealer or an assignee of the contract. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract's requirements or the insurance company does not meet the reasonable standards of the dealer or an assignee of the contract.

New York residents: Consumer reports may be requested in connection with this application. Upon request, you will be informed 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 requested with respect to any extension or renewal of this obligation.

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: Consumer reports may be requested in connection with this application.

Vermont residents: By submitting this application, you authorize the dealer and the lenders it is submitted to, and their employees and agents, to obtain and verify information about you, including credit reports, in connection with this application and any update, renewal or extension of credit.

Wisconsin residents: No provision of a marital property agreement, a unilateral statement under Wisconsin Statutes § 766.59 or a court decree under § 766.70 will adversely affect the creditor's interest unless, before credit is granted, you furnish the creditor a copy of the agreement, statement or decree, or the creditor has actual knowledge of the adverse provision. Married Wisconsin applicants applying for individual credit: your spouse's name and address are asked for below.