Effective January 1, 2018
You received this offer of credit because Ideal Credit Union (“we” or “us’’) used information contained in your credit report to determine that you satisfied certain pre-selected credit criteria for this offer. We reserve the right not to extend credit to you if, after you respond to this offer, we determine that you do not meet the criteria used to select you, you cannot furnish required collateral (loan to value must meet credit union underwriting requirements), the proof of identity you provide is not complete, accurate or verifiable, or you are not competent to enter into contracts.
You have the right to prohibit the use of information contained in your credit fife with any consumer credit reporting agency in connection with any credit transaction that is not initiated by you. You may contact any of the credit reporting agencies by calling 1-888-5-0PT OUT (567-8688) or write to them at the addresses below:
- Experian Marketing, P.O. Box 919, Allen, TX 75013-0919
- TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505
- EquifaxOptions, P.O. Box 740123, Atlanta, GA 30374-0123
Terms and conditions: Information contained on your credit report was used in connection with this offer. The amount and terms of any credit offer we extend to you will be determined by your credit history and your capacity to make payments. You received this offer because you meet our requirements for credit. You may no longer qualify if you do not continue to meet the criteria used to select your name for this offer or any applicable criteria on creditworthiness or if you do not or cannot furnish any required collateral.
*APR is Annual Percentage Rate. Rates effective January 1, 2018. Quoted APR is best available for model years 2011 and newer for a 24 month term; rate may be higher depending on factors such as credit history, repayment term selected, amount financed and mileage of vehicle. Slightly higher rates available for terms to 84 months. If you accept this offer, the rate for the loan you obtain will be disclosed to you in writing before you become obligated. Example of payment: pay $42.78 per month per $1,000 borrowed for 24 months at 2.54% APR. Rates are subject to change at any time. Call for details. Existing Ideal Credit Union vehicle loans are not eligible for this pre-approved offer. Cannot be combined with any other offer. Equal Opportunity Lender. See current rates. Title transfer fee may apply on refinances. Offer expires January 31, 2018.
^Skipping payments for the first 60 days will increase the amount of interest you pay and willtake you longer to payoff the loan. The regular loan payment will begin within 60 days of thedate your loan is funded.