Subsequent to submitting this request, you consent to Innovative Funding Services, IFS, reviewing your loan application to ascertain whether one of its lending partners offers the loan service you request. If the terms you request are offered by one of our lending partners, we will use our best efforts to submit the application to that lender(s). One of the lenders in our network will make the determination based on your credit request and, if approved, will provide the loan.If your application is not approved by a lender or withdrawn by you, you will receive an email notifying of the action.

All loans are subject to credit qualifications. Annual percentage rates and program terms are subject to change without notice. Not all loan programs are available in all states to all applicants.

In processing your application, IFS and one or more of its lenders in its network may acquire your credit report. By signing/submitting the credit application, you give explicit authorization to IFS and its lenders to obtain your credit report.

IFS is not a lender and does not make credit decisions regarding loans. IFS services are administrative and consultative only. You must use your own judgment to determine whether the loan and its terms are suitable for your own situation. Depending on the lender program, may be a nominal processing fee which would be financed into the loan. Your loan approval is valid for 20 days after which your loan is subject to re-approval.


IFS uses cookies to store a unique user identification (i.e. your user name). A cookie is a small data file that contains information such as a user ID. The data is written to your hard drive and is accessed each time you visit the site. The only personal information a cookie can record is information you supply yourself. IFS uses these ID’s to identify you anonymously in our database. The cookie is also required to reach certain parts of the IFS site and is used to personalize the site for you. A cookie cannot read data off your hard drive or read other cookie files created by other sites that you visit.

Electronic Document Policy


Please read this Electronic Records Disclosure and Agreement carefully and keep a copy for your records.

Electronic Copy of Related Disclosures, Agreements, and Instructions

In order to speed up the loan application process, with your consent, we will provide you with the following information electronically, rather than by postal mail or in person:

  • a loan application and all related disclosures required by applicable federal and state law for the loan you have selected; and 
  • information and instructions about any additional services that you select during the application process.

Your Consent is Required

You must consent to receiving the related legal disclosures, agreements, and instructions before we can provide them to you electronically. Your consent will only apply to the loan and related products you have selected, the related legal disclosures and agreements. You will not be consenting to receiving other electronic records or disclosures at this time.

Paper Copy of Disclosures, Agreements and Instructions

If you do not want to receive the legal disclosures, agreements and the instructions electronically, you should exit this area of our website. If you consent to receive the disclosures, agreements and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements and instructions. We will not charge you any fees for providing a paper copy of the disclosures, agreements and instructions.

Withdrawal of Consent for Electronic Delivery

You may withdraw consent for electronic delivery of our legal disclosures, agreements, instructions, and communications, but doing so will not affect the legal effectiveness, validity or enforceability of electronic records that were made available to you prior to the implementation of your withdrawal of consent for electronic delivery.

In the event that you withdraw your consent for electronic delivery, IFS will no longer be able to communicate with you electronically.

To withdraw consent to electronic delivery, you must either: (i) write to us at IFS- Customer Service, 14205 N Mo Pac Expy, Suite 400, Austin, TX 78728; (ii) use a method that may be available to you at the IFS website; or (iii) contact Customer Service at 1-866-504-3748.

Updating Your Contact Information

To provide updated information on how we may contact you electronically, you must either: (i) write to us a IFS-Customer Service, 14205 N Mo Pac Expy, Suite 400, Austin, TX 78728; (ii) use a method that may be available to you at the IFS website; or (iii) contact Customer Service at 866-504-3748.

System Requirements to Access the Information

To receive an electronic copy of the requested file, you must have the following equipment and software:

  • You must have a personal computer or other access device that is capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection or some other means of access to the Internet, and you must have an active account with an Internet service provider).
  • You must have an Internet web browser that is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software.
  • You must have software that permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader® version 5.1 or higher, which is available for download at Adobe’s website.

System Requirements to Retain the Information

To retain a copy of the requested file, your system must have the ability to either download or print PDF files. You must have a functioning printer connected to your personal computer or other access device that is able to print the related legal disclosures, agreements, the instructions, communications, and online statements on plain white 8 1/2″ x 11″ paper.

Agreements and Acknowledgments

By selecting “I Agree” on the “Account Disclosures and Agreements” webpage, you represent that: (i) you have read, understand and agree to all of the provisions of this Electronic Records Disclosure and Agreement (the “Agreement”); and (ii) you represent that the Internet access device(s) you will use to receive this Agreement and related legal disclosures, agreements, instructions, communications and online statements meet(s) the system requirements to access information and to retain information as stated in the previous two sections.

Text Message Policy

By providing your cell phone number, you will have provided us with consent to send you text messages in conjunctions with the services you have requested.

You understand the text messages we send may be seen by anyone with access to your phone. (Need to include a clause on when we will send them text messages. Your cellular provider’s Msg&Data Rates may apply to our confirmation message and all subsequent messages. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. NO CONFIDENTIAL INFORMATION SHOULD BE SENT VIA TEXT MESSAGE.

Please notify us immediately if you change mobile numbers or plan to provide your phone to another person.

If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time.

If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us using the following information please contact us at 1-866-504-3748. 

Opt-out or STOP

This policy applies to the operational text messages sent by IFS  to our customers while and after they use our services. If you wish to stop receiving marketing text messages from IFS, reply to any text message we have sent you and in the reply text simply type STOP. If you wish to stop receiving all text messages from IFS, type STOP ALL in the reply text you send us. Your stop request will become effective within one day. You may also stop text messages by calling us or emailing us with STOP in the Subject line using the contact information below.

Help or Support

If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type HELP. Upon receiving your text message, we will send you a text message with this information. In general, the messages we send provide you with information about your account. Some of the text message we send may include links to websites. To access these websites, you will need a web browser and Internet access. IDEALLY, ANY SUCH WEBSITES WOULD BE MOBILE BROWSER OPTIMIZED.