Terms and Conditions:

By clicking on the "Submit" button in the auto loan application and submitting this application, I certify that all information herein is true, complete, and I have read the Privacy Policy. I authorize BadCreditCarLoans.com and its lending institutions / auto dealer partners to retain this application, contact me by telephone and email with regards to my application, to rely on the foregoing, to check and verify my credit, employment and salary history, and to secure follow-up reports concerning my creditworthiness, submit my loan request
information to be sent on-line to BadCreditCarLoans.com vehicle locating affiliates and lenders to fulfill my vehicle purchase request, as well as provide my information to any other ancillary arties that could grant me credit on, but not limited to any class of good or service. Privacy Policy Statement For www.badcreditcarloans.com

This is the web site of Bad Credit Car Loans

Our postal address is

701 N. Green Valley Pkwy Ste. 200
Henderson, NV 89074

We can be reached by:
Email: administrator@badcreditcarloans.com
Phone: (888) 787-1710

For each visitor to our web page, our web server automatically recognizes no information
regarding the domain or e-mail address. We collect the e-mail addresses of those
who communicate with us via e-mail, aggregate information on what pages consumers
access or visit, user-specific information on what pages consumers access or visit,
information volunteered by the consumer, such as survey information and site registrations.
The information we collect is used to improve the content of our Web page, used
to customize the content, and/or layout of our page for each individual visitor.

With respect to cookies: We use cookies to record past activity
at a site in order to provide better service when visitors return to our site.

If you do not want to receive e-mail from us in the future, please let us know by
sending us e-mail at the above address, calling us at the above telephone number,
or writing to us at the above address.

If you supply us with your postal address online you may receive periodic mailings
from us with information on new products and services or upcoming events.
If you do not wish to receive such mailings, please let us know by calling us at
the number provided above, e-mailing us at the above address, or writing to us at
the above address.

Persons who supply us with their telephone numbers online may receive telephone
contact from us or one of our affiliated partners with information regarding
current products and services or upcoming events. If you do not wish to receive
such telephone calls, please let us know by sending us e-mail at the above address,
calling us at the above telephone number, or writing to us at the above address.

From time to time, we may use customer information for new, unanticipated uses not
previously disclosed in our privacy notice. If our information practices change
at some time in the future we will provide those changes to our privacy policy located
here at www.badcreditcarloans.com.

Upon request we provide site visitors with the information that we have collected
and that we maintain about them. Consumers can access this information by e-mail
us at the above address, write to us at the above address, or writing to us at the
above address. Consumers can have this information corrected by sending us e-mail
at the above address, calling us at the above telephone number, or writing to us
at the above address.

With respect to security: We always use industry-standard encryption
technologies when transferring and receiving consumer data exchanged with our site,
We have appropriate security measures in place in our physical facilities to protect
against the loss, misuse, or alteration of information that we have collected from
you at our site.
CONSENT FOR ELECTRONIC DOCUMENTS UNDER THE ELECTRONIC SIGNATURES IN GLOBAL AND
NATIONAL COMMERCE ACT

Please read this information carefully and print a copy and/or retain this information
electronically for future reference.

Introduction. You are submitting a credit application for an auto
loan with our online direct lenders ("Application"). In order to continue
this process, we must provide you with certain disclosures, notices, information
and documents related to your Application ("Documents") electronically.
This Consent for Electronic Documents informs you of your rights when receiving
these Documents electronically. By agreeing to receive Electronic Documents, you
acknowledge receipt of this Consent for Electronic Documents, and agree to the electronic
delivery of such Documents via the internet to the e-mail address designated on
your Application. Please note, if you are approved for a loan, all loan packages
are mailed via overnight delivery.

Hardware and Software Requirements. Before you decide to receive
your Documents electronically, you must determine if you have the necessary hardware
and software described below to access and retain these Documents. To access and
retain your Documents electronically, you will need to use Adobe Acrobat Reader
since we are delivering a PDF file. (download
Adobe Acrobat Reader)

Withdrawing Consent. You may withdraw your consent to receive your
Documents electronically at any time by contacting the direct lender, whose number
will be supplied to you on your notice of approval or decline. With the exception
of email communications, we will continue the loan process in non-electronic form
to our online direct lenders at no charge. If you decide to withdraw your consent,
the legal validity and enforceability of prior electronic Documents will not be
affected, and you will not have the option to later receive your Documents electronically.

Copies. If you wish to obtain a paper copy of any of the Documents,
you may call the declining lender whose direct contact information will be given
to you on your approval or decline notice from the lender and request a copy at
no charge.

Updating Your Contact Information. To update your electronic or
mailing address, contact the direct lender by mail or telephone at the number given
to you on the approval or decline information sent to you in your original communication
from the lender.

CONSENT AND ACKNOWLEDGMENT. BY SELECTING ELECTRONIC DOCUMENTS,
YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE ELECTRONIC DOCUMENTS IN THE FORMAT DESCRIBED
ABOVE, AND YOU CONSENT TO HAVING DOCUMENTS PROVIDED TO YOU ELECTRONICALLY VIA E-MAIL.

STATE SPECIFIC DISCLOSURES

For Maine Applicants

You have the right of free choice in the selection of the agent and insurer through
or by which insurance in connection with a loan is to be placed. Obtaining insurance
products from a particular agent or broker does not affect credit decisions by the
lender.

For New York Applicants

A consumer report may be requested in connection with your application. Upon your
request, we will tell you whether or not the consumer report was requested and give
you the name and address of the consumer reporting agency that furnished the report.

For Ohio Applicants
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.

For Wisconsin Applicants
Wisconsin law provides that no provision of a marital property agreement, a unilateral
statement under the marital property law, or a court decree, will adversely affect
a creditor?s interests unless the creditor, prior to the time the credit is granted,
is furnished with a copy of the agreement, statement or decree or has actual knowledge
of the adverse provision. If you are making this application individually and not
jointly with your spouse, you understand that Wisconsin law requires that your spouse
be given notice of this credit obligation.

For Delaware Applicants
Notification – Every licensee shall furnish to every applicant, a copy of this regulation
at the time when such application is made. Posting of this regulation in the office
of the licensee in a place both prominent and easily visible to all potential applicants
shall satisfy this requirement. An explanation as to the contents and limitations
contained herein shall satisfy this requirement when transactions occur telephonically.
An informational screen containing these limitations with an affirmative acknowledgement
by the consumer, prior to application, shall satisfy this requirement for internet
transactions.

Interest

(a) A lender may charge and collect interest in respect to a revolving credit plan
or closed-end loan at such a daily, weekly monthly, annual, or other periodic percentage
rate or rates as the agreement governing the plan or loan provides, or as established
in the manner provided in such agreement. Periodic interest may be calculated on
a revolving credit plan using any balance computation method provided for in the
agreement governing the plan. Periodic interest may be calculated on a closed-end
loan by way of simple interest or such other method as the agreement governing the
loan provides.

(b) If the agreement governing the revolving credit plan or closed-end loan so provides,
the periodic percentage rate or rates of interest may vary in accordance with a
schedule or formula. Such periodic percentage rate or rates may vary from time to
time as the rate determined in accordance with such schedule or formula varies and
such periodic percentage rate or rates, as so varied, may be made applicable to
all or any part of the outstanding unpaid indebtedness or outstanding unpaid amounts.
In the case of revolving credit, such rate shall become applicable on or after the
first day of the billing cycle that contains the effective date of such variation.
In the case of closed-end loan transactions, such rate may be made applicable to
all or any part of the outstanding unpaid amounts on and after the effective date
of such variation. Without limitation, a permissible schedule or formula hereunder
may include provisions in the agreement governing the revolving credit plan or closed-end
loan agreement for a change in the periodic percentage rate or rates of interest
applicable to all or any part of outstanding unpaid indebtedness or outstanding
unpaid amounts, whether by variation of the then applicable periodic percentage
rate or rates of interest, variation of an index or margin or otherwise, contingent
upon the happening of any event or circumstance specified in the plan or agreement,
which event or circumstance may include the failure of the borrower to perform in
accordance with the terms of the revolving credit plan or loan agreement.

Additional Fees and Charges; Limitations – If the agreement governing the plan or
loan so provides, in addition to, or in lieu of, interest at a periodic percentage
rate or rates permitted by Chapter 22, Title 5 of the Delaware Code, the licensee
may charge and collect the following fees and charges, subject to the limitations
provided below, in respect to revolving credit plans or closed-end loans:

(a) Revolving Credit – with respect to a borrower, a lender may charge, collect,
or receive one or more of the following fees and charges under plans subject to
the provisions of Subchapter II, Chapter 22, Title 5 of the Delaware Code:

(i) periodic charges – a daily, weekly, monthly, annual or other periodic charge,
in such amount or amounts as the agreement may provide for the privileges made available
to the borrower under the plan;

(ii) transaction charges – a transaction charge or charges in such amount or amounts
as the agreement may provide for each separate purchase or loan under the plan;

(iii) minimum charges – a minimum charge, in such amount or amounts as the agreement
may provide for each daily, weekly, monthly, annual or other scheduled billing period
under the plan during any portion of which there is an outstanding unpaid indebtedness
under the plan;

(iv) fees for services rendered or reimbursement of expenses – reasonable fees for
services rendered or for reimbursement of expenses incurred in good faith by the
licensee or its agent in connection with such loan, including without limitation,
commitment fees, official fees and taxes, premiums or other charges for any guarantee
or insurance protecting the licensee against the borrower’s default or other credit
loss, or costs incurred by reason of examination of title, inspection, recording
and other formal acts necessary or appropriate to the security of the loan, filing
fees, attorney’s fees, and travel expenses. In the event a borrower defaults under
the terms of a plan, the licensee may, if the borrower’s account is referred to
an attorney (not a regularly salaried employee of the licensee) or to a third party
for collection and if the agreement governing the revolving credit plan so provides,
charge and collect from the borrower a reasonable attorney’s fee. In addition, following
a borrower’s default, the licensee may, if the agreement governing the plan so provides,
recover from the borrower all court, alternative dispute resolution or other collection
costs (including, without limitation, fees and charges of collection agencies) actually
incurred by the licensee;

(v) over limit charges – a charge in such amount or amounts as the agreement may
provide, for each daily, weekly, monthly, annual or other scheduled billing period
under the plan during any portion of which total outstanding indebtedness exceeds
the credit limit established under the plan;

(vi) delinquency charges – a late or delinquency charge upon any outstanding unpaid
installment payments or portions thereof under the plan which are in default; provided,
however, that no more than 1 such late or delinquency charge may be imposed in respect
of any single such installment payment or portion thereof regardless of the period
during which it remains in default; and provided further, however, that for the
purpose only of the preceding provision all payments by the borrower shall be deemed
to be applied to satisfaction of installment payments in the order in which they
become due.

(vii) returned check charges – a returned check charge may be assessed to consumers,
in such amount or amounts as the agreement may provide, provided the amount(s) of
such charges are customary and reasonable for checks that are returned unpaid.

(viii) termination fees – a charge in such amount or amounts as the agreement may
provide to terminate revolving credit plan.

(ix) charges incurred in connection with real estate secured transactions – in the
case of revolving credit secured by real estate such additional charges as outlined
in item (3)(c) of this regulation may also be collected within the limitations stated
therein.

(b) Closed-end Credit – with respect to a borrower, a lender may charge, collect,
or receive one or more of the following fees for loans subject to the provisions
of Subchapter III, Chapter 22, Title 5 of the Delaware Code:

(i) fees for services rendered or reimbursement of expenses – reasonable fees for
services rendered or for reimbursement of expenses incurred in good faith by the
licensee or its agent in connection with such loan, including without limitation,
commitment fees, official fees and taxes, premiums or other charges for any guarantee
or insurance protecting the licensee against the borrowers default or other credit
loss, or costs incurred by reason of examination of title, inspection, recording
and other formal acts necessary or appropriate to the security of the loan, filing
fees, attorney’s fees, and travel expenses. In the event a borrower defaults under
the terms of the loan, the licensee may, if the borrower’s account is referred to
an attorney (not a regularly salaried employee of the licensee) or to a third party
for collection and if the agreement governing, or the bond, note or other evidence
of, the loan so provides, charge and collect from the borrower a reasonable attorney’s
fees. In addition, following a borrower’s default, the licensee may, if the agreement
governing, or the bond, note or other evidence of, the loan so provides, recover
from the borrower all court, alternative dispute resolution or other collection
costs (including, without limitation, fees and charges of collection agencies) actually
incurred by the licensee;

(ii) deferral charges – a deferral charge may be assessed to a borrower in accordance
with an agreement to permit the borrower to defer installment payments of a loan;

(iii) delinquency charges – if the agreement governing the loan so provides, a late
or delinquency charge may be imposed upon any outstanding unpaid installment payment
or portions thereof under the loan agreement which are in default; provided, however,
that no more than 1 such delinquency charge may be imposed in respect of any single
such installment payment or portion thereof regardless of the period during which
it remains in default; and provided further that no such delinquency charge may
exceed 5% of the amount of any such installment or portion thereof in default;

(iv) returned check charge – if the agreement governing the loan so provides, a
returned check charge may be assessed to consumers for checks that are returned
unpaid provided the amount(s) of such charges are customary and reasonable.

(v) charges incurred in connection with real estate secured transactions – in the
case of closed end credit secured by real estate such additional charges as outlined
in item (3)(c) of this regulation may also be collected within the limitations stated
therein.

(c) Real Estate Secured Transactions – with respect to a borrower, a lender may
charge, collect, or receive one or more of the following fees and charges subject
to the limitations herein, for loans subject to the provisions of Subchapters II
(Revolving Credit) and III (Closed-End Credit), Chapter 22, Title 5 of the Delaware
Code when such loans are secured by real estate:

(i) loan origination points – points charged to the borrower on the lender’s behalf
for any purpose other than to reduce the periodic interest rate applicable to the
mortgage loan may not exceed 10% of the principal amount of the loan. Such points
may be deducted from the gross proceeds of the loan. For purposes of this regulation
gross proceeds is the amount financed as defined in Federal Reserve Regulation Z;

(ii) loan discount points – points charged to the borrower as a function of rate
for the purpose of reducing the periodic interest rate applicable to the mortgage
loan. Such points may be deducted from the gross proceeds of the loan;

(iii) property appraisal fees – property appraisal fees shall be limited to the
amount paid to a third party for such appraisal and shall be limited to those amounts
that are customary and reasonable;

(iv) credit report fees – credit report fees shall be limited to the actual cost
of the report if paid to a third party, not an employee of the lender or affiliate.
Such amounts shall be customary and reasonable;

(v) mortgage loan broker compensation fees – mortgage loan broker compensation may
be deducted from the gross proceeds of the loan. Such amounts shall reasonably reflect
the value of the goods, services and facilities provided;

(vi) tax certification and service fees – fees for agreements to provide certification
of the current tax status of the property as well as fees for ongoing monitoring
and notice to the lender of all tax and improvement lien payments as they become
due shall be limited to those amounts actually expended for such purposes. Such
amounts shall be customary and reasonable;

(vii) flood hazard certification or determination fees – determination fees may
be charged for determining whether the property is or will be located in a special
flood hazard area. This fee may also include the cost of life-of-loan monitoring.
Such amounts shall be customary and reasonable;

(viii) title abstract/search/examination and title insurance premiums – title insurance
and/or cost of a title certificate search, examination and binder shall be limited
to those amounts actually expended for such purposes. Such amounts shall be customary
and reasonable and may, at the borrower’s discretion, include owner’s coverage in
addition to lender’s coverage;

(ix) legal fees – legal fees incurred in securing or closing a loan shall be limited
to amounts actually paid to an attorney not in the employ of the lender, its parent,
or affiliate, and such charges shall not exceed those which are customary and reasonable;

(x) recording/satisfaction fees – recording/satisfaction fees shall be limited to
those actually expended by the lender to any governmental authority for protection
of interest in collateral tendered. The State Bank Commissioner may approve the
payment of alternative fees for this purpose provided the amount of said fee (payable
by the borrower) shall not exceed the amount which would be payable to any governmental
authority for protection of interest in collateral tendered;

(xi) property survey fees – property survey fees to obtain a drawing that delineates
the exact boundaries of a property, including lot lines and placement of improvements
on the property, shall be limited to those amounts actually expended for such purposes.
Such amounts shall be customary and reasonable;

(xii) pest inspection fees – pest inspection fees to cover inspections for terminates
or other pest infestation on the property shall be limited to those amounts actually
expended for such purposes. Such amounts shall be customary and reasonable;

(xiii) fees incidental to loan closing – other fees and charges including but not
limited to: odd days interest, hazard and mortgage insurance premiums, escrow reserves,
lender’s inspection fees, mortgage insurance application fees, assumption fees,
underwriting fees, document preparation fees, settlement or closing fees, notary
fees, funding fees, fees for lead based paint or other inspections and overnight
mail fees may be charged and such amounts shall be customary and reasonable;

(xiv) prepayment penalties – a charge in such amount or amounts as the agreement
so provides imposed in connection with the payoff and termination of a revolving
credit plan or closed end loan secured by real estate;

(xv) notwithstanding the provisions of this item (3)(c) of this regulation, Licensed
Lenders who are making mortgage loans pursuant to the rules, regulations, guidelines
and/or loan forms established by the State of Delaware or federal governmental or
quasi-governmental entity (including, without limitation, the Federal Housing Administration,
the Government National Mortgage Association, the Federal National Mortgage Association
and the Federal Home Loan Mortgage Corporation) shall be permitted to charge and
collect any fees, charges or sums prescribed to be charged and collected in connection
with a mortgage loan originated pursuant to a lending program conducted or supervised
by any such entity.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR CREDIT.
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 credit. What this means to you: When
you apply for credit, we will ask for your name, address, date of birth and other
information that will allow us to identify you.

If you feel that this site is not following its stated information policy, you may
contact us at the above addresses or phone number.

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