Terms and Conditions

NOTICE TO CALIFORNIA RESIDENTS: If married, you may apply for a separate account. NOTICE TO MAINE AND TENNESSEE RESIDENTS: You have the right of free choice in selecting the agent and insurer through or by which the insurance you obtain in connection with the credit you are applying for is placed. Your right of free choice is subject only to our right to approve the insurer you select on a reasonably non-discriminatory basis related to the solvency and assessment policies of the insurer and its ability to service the policy. Your choice of insurer will not affect the credit decision or credit terms in any way, except that we may impose reasonable requirements concerning the creditworthiness of the insurer and scope of coverage chosen. NOTICE TO NEW YORK AND RHODE ISLAND RESIDENTS: A consumer report may be requested in connection with this application. If you ask us, we will tell you whether or not a consumer report was requested, and, if it was, we will tell you the name and address of the consumer reporting agency that furnished the report. NOTICE TO OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy 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. NOTICE TO MARRIED APPLICANTS RESIDING IN WISCONSIN: No provision of any marital property agreement, unilateral statement under section 766.59 Wis. Stats. or court decree under section 766.70 Wis. Stats. adversely affects the interests of the creditor unless the creditor, prior to the time the credit is granted, is furnished a copy of the agreement, statement or decree, or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. NOTICE TO ALL CUSTOMERS: USA PATRIOT Act – Customer Identification Program – Enacted 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 applies for a loan. When you apply for a loan we will ask you 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.

Authorization: By checking the box I (we): (1) affirm that the information provided in this inquiry is true and correct and given for the purpose of obtaining credit; (2) instruct and authorize DLL Finance LLC and/or its affiliates and related parties (“DLL”) (whether acting alone or through its servicer or any agent on its behalf) to check my credit and verify my employment history; (3) instruct and authorize DLL to obtain consumer reports on me, in DLL’s sole discretion, as part of this inquiry and while any credit granted as a result of this inquiry remains unpaid; (4) authorize and direct DLL to share the results of any credit report, credit investigation or employment investigation (including the information contained in this inquiry) with any dealer, manufacturer or other person assisting me in attempting to obtain an extension of credit (a “Dealer”); (5) authorize and direct DLL to use any such results to determine if I qualify for an offer of credit; (6) authorize and direct DLL to notify a Dealer about whether I qualify for any offers and the details of any such offers; (7) acknowledge that DLL may retain any information obtained as part of this process whether or not the requested credit is granted; and (8) authorize DLL to provide information about this transaction to others for the purpose of initiating, monitoring and servicing my account. If DLL extends credit as a result of this inquiry, I agree that (a) DLL may monitor and record telephone calls regarding the account created to assure the quality of services or for other reasons; (b) DLL may use automatic dialing equipment while servicing or collecting the account, as allowed by law; and (c) DLL may contact me using any telephone number or email address I provide to DLL or using any telephone number or email address DLL obtains from another source, even if the number is for a mobile telephone. If this inquiry is primarily for personal, family or household purposes, I acknowledge having read the additional disclosures included on this page. I consent to DLL sharing with others information concerning me and DLL’s decision whether or not to extend credit, if any, in accordance with applicable law. For additional information about our privacy practices, please review our privacy statement at https://www.dllgroup.com/us/en-us/privacy

ELECTRONIC RECORD AND SIGNATURE DISCLOSURE

From time to time, DLL Finance LLC (we, us or Company) may be required by law to provide to you certain written notices or disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically. We may always, in our sole discretion, provide you with any communication via paper, even if you have chosen to receive it electronically. Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to this Electronic Record and Signature Disclosure (ERSD), please confirm your agreement by selecting the check-box next to “I have read and accept the Terms and Conditions and the Privacy Statement” before clicking ‘Apply Now’.

Notices and disclosures may be sent to you electronically

Unless you tell us otherwise in accordance with the procedures described herein, we may, but shall not be obligated to, provide electronically to you or directly to the email address provided by you all required notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you during the course of our relationship with you. Thus, you may receive all the disclosures and notices electronically or in paper format through the paper mail delivery system. If you do not agree with this process, please let us know as described below. Please also see the paragraph below that describes the consequences of your electing not to receive delivery of the notices and disclosures electronically from us.

Getting paper copies

At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. You will have the ability to download and print documents we send directly to you. You will also have the ability to download and print documents we send to you through the DocuSign system during and immediately after the signing session and, if you elect to create a DocuSign account, you may access the documents for a limited period of time (usually 30 days) after such documents are first sent to you.

To request delivery from us of paper copies of the notices and disclosures previously provided by us to you electronically, you must send us an email to dsmcustomercare@dllgroup.com and in the body of such request you must state your email address, full name, mailing address, telephone number, and your specific request. We will bill you for any fees at that time, if any.

Withdrawing your consent

If you decide to receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format.

To inform us that you no longer wish to receive future notices and disclosures in electronic format you may send us an email to dsmcustomercare@dllgroup.com and in the body of such request you must state your email, full name, mailing address, telephone number, and your specific request. We do not need any other information from you to withdraw consent. The consequences of your withdrawing consent will be that transactions may take a longer time to process.

Consequences of changing your mind

If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in transactions with you and deliver services to you because we will first need to send the required notices or disclosures to you in paper format, and then wait until we receive back from you your acknowledgment of your receipt of such paper notices or disclosures.

To advise Company of your new email address

To let us know of a change in your email address where we should send notices and disclosures electronically to you, you must send an email message to us at dsmcustomercare@dllgroup.com and in the body of such request you must state your previous email address and your new email address. We do not require any other information from you to change your email address.

If you created a DocuSign account, you may update it with your new email address through your account preferences.

Required hardware and software

The minimum system requirements for receiving certain notices or disclosures from Company are as follows:

a current version of an Internet browser, meaning a version of the software that is currently being supported by its publisher
a connection to the Internet,
a current version of a program that accurately reads and displays PDF files, meaning a version of the software that is currently being supported by its publisher,
a computer, tablet, or mobile device and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form, and/or
an active email address.

We reserve the right to discontinue support of a current version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with electronic delivery of notices or disclosures.

The minimum system requirements for using the DocuSign system may change over time. The current system requirements are found here: https://support.docusign.com/guides/signer-guide-signing-system-requirements

Acknowledging your access and consent to receive and sign documents electronically

To confirm to us that you can access this information electronically, which may be similar to other electronic notices and disclosures that we will provide to you, please confirm that you have read this ERSD, and (i) that you are able to print on paper or electronically save this ERSD for your future reference and access; or (ii) that you are able to email this ERSD to an email address where you will be able to print on paper or save it for your future reference and access. Further, if you consent to receiving notices and disclosures exclusively in electronic format as described herein, then select the check-box next to “I have read and accept the Terms and Conditions and the Privacy Statement” before clicking ‘Apply Now’.

By selecting the check-box next to ‘I have read and accept the Terms and Conditions and the Privacy Statement’, you confirm that you can (1) access and read this ERSD; (2) print on paper this ERSD; or (3) save or send this ERSD to a location where you can print it, for future reference and access. Until or unless you notify Company as described above, you consent to receive through electronic means all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to you by Company during the course of your relationship with Company.

Apply for credit with DLL today