Last updated 07.14.2025
Please read these Credit Request Terms and Conditions carefully and print or save a copy for future reference.
In these Credit Request Terms and Conditions, the words “you” and “your” mean any person making a request for a prequalified offer of credit from Foundation Finance Company LLC or submitting an application for credit to Foundation Finance Company LLC (each, a “Credit Request”). The words “Foundation,” “we,” “us,” and “our” mean Foundation Finance Company LLC and its affiliates, successors and assigns, and designated third-party service providers acting on its behalf.
Credit Authorization.
A Credit Request is not an agreement to provide credit to you. You understand there will be no financing contract between us and you unless and until we approve your credit application and accept all other required documents. By submitting a Credit Request, you promise that all information is true, accurate, and complete. You intend for us to rely upon this information in deciding whether to extend credit to you.
You authorize a full investigation and release of your credit record and your employment history. You also authorize us to release information about your credit experience with us. You authorize and agree to receive communications from us or those acting on our behalf regarding the credit that is the subject of this application at any telephone number set forth on this application and any subsequent telephone number that you may provide to us, including telephone calls and text messages generated using an automatic telephone dialing system and telephone communications consisting of an artificial or prerecorded voice or message. You understand that we may always communicate with you in any manner allowed by law that does not require your consent.
Credit Notices.
CREDIT REPORT NOTICE: We may request a credit report for any legitimate purpose associated with your application for credit, extending credit, modifying the terms of your credit agreement, or collection on your account. On your request, we will inform you if such a report was ordered and will give you the name and address of the credit reporting agency that furnished the report.
ALABAMA RESIDENTS: You must be 19 years old to apply for credit.
CALIFORNIA RESIDENTS: If you are married, you may apply for a separate account.
DELAWARE RESIDENTS: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.
MARYLAND RESIDENTS: Finance charges will be made in an amount or at rates not in excess of those permitted by law.
NEW YORK RESIDENTS: We may obtain your credit report and we will inform you, upon request, whether a report was obtained and, if so, the name and address of the consumer reporting agency.
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.
RHODE ISLAND RESIDENTS: We may request a credit report in connection with the application.
VERMONT RESIDENTS: We may obtain your credit reports at any time, for any legitimate purpose associated with the account or the application or request for an account, including but not limited to reviewing, modifying, renewing and collecting on your account. On your request we will inform you if such a report was ordered. If so, we will give you the name and address of the consumer reporting agency furnishing the report.
WISCONSIN MARRIED RESIDENTS: No provision of a marital property agreement, a unilateral statement under Sec. 766.59 Wis. Stats., or a court decree under Sec. 766.70 adversely affects the interest 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. We are required to ask you to provide the name and address of your spouse.
