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Credit Application

Credit Application

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Loan Application Information

By submitting this Loan Application, you agree that you are applying for any product any financial institution participating in the loan program (each “Potential Lender”) may offer as part of the loan program regardless of any product your Merchant may have specifically discussed with you.

Income - Alimony, child support or separate maintenance payments need not be revealed if you do not wish to have them considered as a basis for repaying the loan.
Co-Applicant Information (If completed below, Applicant and Co-Applicant intend to apply for joint credit)
Applicant Signature
Please send a picture of a government issued picture ID to the Sales Representative.
Co-Applicant Signature
Please send a picture of a government issued picture ID to the Sales Representative.

DISCLOSURES:

The FEDERAL EQUAL CREDIT OPPORTUNITY ACT prohibits discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract), because all or part of the applicants Income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this company is the Federal Trade Commission. Equal Credit Opportunity, Washington, D.C.20580

You hereby acknowledge That Next Home Improvements is not a lender. Next Home Improvements will forward this application to lenders, finance companies or other-parties such as Power Pay, Sunlight Financial, Foundation finance, Service Finance who have expressed an Interest in providing financing options to customers of Next Home Improvements. Next Home Improvements will be acting as a limited agent on behalf of such potential lenders in providing them with this  application. There is no commitment by Next Home Improvements or the potential Lenders that your application for financing will be approved. You certify that your application is true and completely accurate and that no unfavorable information known to you for use herein has been omitted. You authorize Next Home Improvements and the Potential Lenders to obtain, review, and investigate your credit report and verify the Information contained therein and in this application. You further authorize Next Home Improvements to communicate and share your application and any related Information contained therein with any Potential Lender that Next Home Improvements believes may have an Interest in providing financing to you. You understand that if financing Is denied, you are entitled to a clear and meaningful statement in writing of the reasons. The Potential Lender, not Next Home Improvements, will provide you with such statement. Any reproduction of this application or example, photocopy or fax is considered an original. By providing your mobile number, you authorize us to contact you at that number using automatic telephone dialing systems or text or prerecorded voices for any purpose, Including. but not limited to, to provide you with advertisements or telemarketing messages. You are not required to provide this consent as a condition of this loan application and may revoke your consent at any time by contacting us or the lenders.

AUTHORIZATION TO RELEASE INFORMATIONS You hereby authorize Next Home Improvements or the Potential Lenders to make whatever credit or employment inquiries it deems necessary in connection with your application or in the course of review or collection of financing extended in reliance on this application. You authorize and instruct any person or consumer reporting agency to compile and furnish any information It may have or obtain in response to such credit inquiries. You authorize this application to be reproduced to facilitate multiple inquiries. This authorization remains in effect throughout the terms of any financing.

PRIVACY ACT NOTICE STATEMENT: This notice Is provided to you pursuant to the Privacy of Consumer Financial Information Act and the Federal Trade Commission’s implementing regulation thereunder, 16 CRF Part 313. 1. Collection Sources: We collect nonpublic information about you from the following sources: Information we receive on your applications or other forms; Information about your transactions with us, our affiliates, others, or information we receive from a consumer reporting agency. 2. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. 3. We restrict access to nonpublic personal information about you to those employees who need to know what Information to provide the requested loan origination services to you. We maintain physical, electronic, ad procedural safeguards that comply with federal regulations to guard your nonpublic personal Information.

USA PATRIOT ACT, SECTION 326 VERIFICATION OF IDENTIFICATION: 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 each person who opens a new account. What this means for you. When you open an account, 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 driver’s license or other identifying documents.