Snap Finance® Application Terms and Conditions

Terms are applicable to both Loan customers and Lease-to-Own customers unless noted otherwise.

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

Introduction.

You are applying for financing through an online application provided by Snap Finance, LLC and/or its affiliates, including Snap RTO LLC, and Snap Second Look LLC (hereinafter collectively “we,” “us,” “our,” or “Snap Finance”). To provide these services, we need your consent to using and accepting electronic signatures, records, and disclosures (“E-Consent”). This form notifies you of your rights when receiving disclosures, notices and information via Snap Finance. By clicking “Sign-up,” “I Agree,” “Next, “or “Submit,” or other links assenting to our terms or other links assenting to our terms, you acknowledge you received this E-Consent and that you consent to using electronic signatures, records, and disclosures. Additionally, by clicking “Sign-up,” “I Agree,” “Next,” “Submit,” or other links assenting to our terms, you consent to conduct transactions by using electronic disclosures, electronic records, and contract documents ("Disclosures").

Option for Paper or Non-Electronic Records.

You may request a paper application and any Disclosures in paper copy by logging in and printing a paper copy. You may also mail us your written request to Snap Finance, PO Box 26561, Salt Lake City, UT 84126. We will provide paper copies at no charge. Snap Finance will retain all Disclosures as applicable law requires.

Scope of Consent.

This E-Consent applies to all interactions online concerning you and Snap Finance, and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, Snap Finance will process your information and interact during all online interactions with you electronically. We will also send you notices electronically related to our interactions and transactions.

Consenting to Do Business Electronically.

Before you decide to do business electronically with Snap Finance, you should consider whether you have the required hand software capabilities described below.

Hardware and Software Requirements.

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape®, Safari®, Mozilla Firefox®, or Google Chrome® or similar software. To read most documents, you may need a PDF file reader like Adobe® Acrobat Reader Xpdf® or Foxit® or similar software. If these requirements change while you are maintaining an active relationship with Snap Finance, and the change creates a material risk that you may not be able to receive Disclosures electronically, Snap Finance will notify you of these changes. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send us your written questions regarding the hardware and software requirements by mail to Snap Finance, PO Box 26561, Salt Lake City, UT 84126.

Withdrawing Consent.

You are free to withdraw this E-Consent at any time and at no charge. However, if you withdraw this E-Consent before receiving financing services, this will prevent you from obtaining financing services from us through electronic means. If at any time you wish to withdraw this E-Consent, you can send us your written request by mail to Snap Finance, PO Box 26561, Salt Lake City, UT 84126, with the details of such request. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Updating Your Contact Information.

You should keep us informed of any change in your electronic address or mailing address. You may update such information by logging into our website and providing the updated information. You may also send us your written update by mail to our address above, or by calling us at any toll-free number we provide to you directly or on snapfinance.com.

COLLECTION AND USE OF BANK ACCOUNT INFORMATION:

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. By applying, you authorize us to search for and evaluate bank accounts under your ownership for this purpose.

YOUR ABILITY TO ACCESS DISCLOSURES.

BY CLICKING “SIGN-UP,” “I AGREE,” “NEXT,” OR “SUBMIT,” OR OTHER LINKS, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE. Once you give your consent, you can log into the website to access these documents.

CONSENT.

BY CLICKING “SIGN-UP,” “I AGREE,” “NEXT,” OR “SUBMIT,” OR OTHER LINKS, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH US ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WE WILL PROVIDE TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE FINANCING SERVICES FROM US OVER THE INTERNET.

California Residents:

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Utah Residents:

As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Credit Inquiries and Reporting Authorization:

You authorize us to obtain consumer reports from consumer reporting bureaus, other specialty consumer reporting agencies, and other third-parties for evaluation purposes at the time of application, and any time thereafter, as we may choose.

Contact Authorization:

You acknowledge that we may verify the truthfulness of the information you provided on this application by contacting third parties.

Phone Messages:

By signing, you give us permission to call the landline or cell phone numbers provided by you, by automated dialer or otherwise, and to leave voice messages at the phone numbers listed above, disclosing the name of Snap Finance, contact information, and the nature of the call. You may revoke this authorization at any time in the future by contacting us, preferably by mail for your records.

Email:

You authorize us to email you information about your application and transaction.

Privacy Policy:

You verify that you have received a copy of our Privacy Policy.

By signing, you agree to this Jury Trial Waiver and Arbitration Clause (“Clause”); provided, however, that this Clause does not apply to Loan applicants who are covered by the Military Lending Act (“MLA”). This Clause applies to all lease-to-own customers.