Credit Authorization Consent
To check the rates and terms you qualify for, Caribou conducts a soft credit pull that will not affect your credit score. However, if you choose a loan product and continue your application, we or one of our lenders will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR APPLYING FOR CREDIT
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. We may also ask to see the applicant’s driver’s license or other identifying documents.
State Specific Application Disclosures
For California Residents: Married individuals may apply separately. In compliance with the California Financial Privacy Act, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, please contact us at firstname.lastname@example.org.
For Maine Residents: 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, including the right to choose an agent or broker whether or not that agent or broker is affiliated with a Creditor or Lender. Obtaining insurance products from a particular agent or broker does not affect credit decisions by the lender. Your choice of insurance will not affect the credit approval process unless the insurance does not satisfy the contract requirements or the insurance company does not satisfy the reasonable standards of the Lender.
For New York Residents: In connection with this application, a consumer report may be requested in connection with your application. Upon your request, we will inform you whether or not a consumer report was requested and, if it was, give you the name and address of the consumer reporting agency that furnished the report. If your application is granted, additional consumer reports may be obtained without further notice in connection with any update, extension or renewal of credit.
For Ohio Residents: 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 Rhode Island Residents: Credit reports may be obtained in connection with this application for credit.
For Vermont Residents: If an account is created, you authorize the obtaining of credit reports for purposes of reviewing or taking collection action on the account or for other legitimate purposes associated with the account.
For Wisconsin Residents: 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 Maine, Rhode Island and Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. You may purchase required insurance through any agent or broker and from any insurance company that is reasonably acceptable to Caribou. You are not required to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular agent, broker or insurer will not affect our credit decision, so long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements.