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Offer Terms include the following:
Loan offer amount: $300 to $3,100 (The amount of your loan will not exceed the amount financed to complete the retail purchase.) Annual Percentage Rate (APR): 11.75% to 28.9%. APR may vary depending upon individual's state of residence and credit profile. Loan offer term: 3 months to 36 months

Repayment Example #1: No down payment is required. If the amount financed is $1,000, at 18% APR, and the repayment term is 20 months, your monthly payment will be $58 per $1,000 financed.

Repayment Example #2: No down payment is required. If the amount financed is $1,000, at 28.9% APR, and the repayment term is 20 months, your monthly payment will be $64 per $1,000 financed.

Annual Percentage Rates of interest vary by state: Your repayment terms may differ from those disclosed above, depending upon your state of residence and the interest rate or finance charge permitted under the laws of your state. Your actual Annual Percentage Rate of interest will be disclosed to you in the Retail Installment Agreement that will be provided to you for your review prior to the consummation of the transaction and your becoming obligated under the Agreement.

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 an account. What this means for you: When you open an account, we will ask for your name, address, date of birth or other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Customers Receiving Preapproved Credit Offers: When ordering by phone you may be selected for a preapproved account offer based upon the information in your credit report which satisfied our criteria for creditworthiness. If applicable, you must respond by the expiration date of the offer. Credit may not be extended if after you respond, (i) we find that you do not meet the criteria for creditworthiness used to select you for this offer; (ii) you are below the age required to create a valid contract; (iii) we determine that you have fraudulently altered the information provided to us; or (iv) we receive your response to this offer after such offer has expired.
You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.
PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, PO Box 919, Allen, TX 75013; TransUnion, PO Box 97328, Jackson, MS 39288; Equifax, PO Box 740123, Atlanta, GA 30374.
Should you later decide that you do wish to receive preapproved offers, you may remove the prohibition on use of your credit report information by notifying the above agencies.

If we extend credit to a consumer, we will consider the bank account information provided by the consumer as eligible for us to process payments against. In addition, as part of our information collection process, we may detect additional bank accounts under the ownership of the consumer. We will consider these additional accounts to be part of the application process.