By submitting your request, you consent to Innovative Funding Services (IFS) reviewing your loan application to determine if one of its lending partners offers the loan service you request. IFS will determine which one of our lending partners matches your needs. Lenders in our network will make the determination based on your credit request. By signing/submitting the credit application, you give explicit authorization to IFS and its lenders to obtain your credit report, which will reflect as a hard inquiry.
In most cases, IFS is not the lender and does not make credit decisions regarding loans. IFS services are administrative and consultative only. You must use your own judgment to determine if the loan terms are suitable for your own. If approved, the lender will provide the loan and you may be subject to a documentation fee, which may be financed into the loan. Your loan approval is valid for 20 days. After this time period your loan will be subject to re-approval. If your loan application is not approved by a lender or withdrawn by you, you will receive an email notifying of the action.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 as well as other terms and conditions. Annual percentage rates and program terms are subject to change without notices. Additionally, not all loan programs or terms are available in all states to all applicants.
ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT (THE “AGREEMENT”);
THIS DISCLOSURE REQUIRED BY FEDERAL LAW. READ AND SCROLL DOWN. Please read this Disclosure carefully and keep a copy for your records.
In order increase the speed of the loan application process, with your consent, IFS 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 IFS 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. Even if you consent to receive the disclosures, agreements and instructions electronically, you can also request a paper copy of these items. IFS 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.
If you withdraw your consent for electronic delivery, IFS will no longer be able to communicate with you electronically.
To withdraw consent or update your consent to electronic delivery, you must either: (i) write to us at IFS-Compliance, 14205 N Mo Pac Expy, Suite 400, Austin, TX 78728; (ii) use a method that may be available to you at the IFS website www.ifsautoloans.com; or (iii) contact Customer Service at 1-888-618-6534.
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 “DISCLOSURES” 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, meet(s) the system requirements to access information and to retain information.
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 IFS send may be seen by anyone with access to your phone. Your cellular provider’s message and data rates may apply to our text 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. IFS will not be liable for any delays in receipt of any text messages, as delivery is subject to effective transmission from your network operators. Text message services are provided on an “as is” basis. IFS 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 1-888-618-6534.
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 STOP or STOP All to any text message. 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 HELP to any text message. Upon receiving your text message, IFS will send you a text message with this information. In general, the messages IFS sends will provide you with general information about your account. Some of the text message IFS 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.
By providing IFS with your email address (es), you consent that we may send email messages to your email addresses. Email services are provided on an “as is” basis. You may unsubscribe from promotional messages at any time.
To protect Personal Information from unauthorized access and use, we use security measures that comply with applicable federal and state laws.
PROTECTING CHILDREN’S PRIVACY ONLINE
The Sites are not directed to individuals under the age of 13, and we request that these individuals not provide Personal Information through the Sites. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA).