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Terms & Conditions

General

This is a short-term loan designed to help with your immediate short-term cash flow needs. It is not a solution for long-term needs. CU Alternative Lending Solutions encourages you to (1) only borrow what you need and can repay and (2) shop the marketplace and explore other credit options to find the solution best suited for your needs

You acknowledge and agree all payments must be received by CU Alternative Lending Solutions on or before the Payment Due Date. We must initiate an ACH debit entry to your Bank Account for the scheduled payment at least one business day prior to the Payment Due Date in order for the funds to be received by us on the Payment Due Date.

Electronic Agreement

By accepting the Terms and Conditions, you consent to electronic delivery of the Disclosures as described below and confirm that you have the software and computer equipment that satisfies the requirements and that you will download or print the Disclosures you receive for your records.

Consent To Electronic Exposure

By consenting to the electronic delivery of disclosures, you agree that we may, but are not obligated to, provide electronically any and all communications concerning our decision on your loan application, the terms of any loan we may extend to you, and our privacy policy. These disclosures may include, in addition to other things, Disclosures pursuant to: the Equal Credit Opportunity Act and Regulation B; the Truth in Lending Act and Regulation Z; the Gramm-Leach-Bliley Act and Regulation P; and any other applicable federal, state, or local law or regulation. Your consent only applies to this loan application and any resulting loan and does not apply to future loan applications you may submit. To electronically receive, view, and save the Disclosures, you must have a computer equipped with Netscape 4.0, Microsoft Explorer 4.0, or AOL 5.0; or later version, and either a printer, a hard drive, or other storage device. You must also have a valid email address. Prior to submission of your application, you may withdraw your consent to electronic disclosures by exiting the application website. You will not be able to submit your loan application if you withdraw consent. In addition, because we are required to provide you with certain disclosures prior to making a loan to you, you cannot withdraw your consent after submission of your application. You have the option to receive any information that we have provided electronically in paper form at no cost to you. To request a paper copy, please contact us by emailing us at advance@cuals.org, calling us at 913-310-9292, or writing us at: CU Alternative Lending Solutions, LLC - 4312 Rainbow Blvd, Kansas City, KS 66103. Please print out a copy of this consent to Electronic Disclosures and keep it for your records.

Privacy

This loan application shall be governed by the CU Alternative Lending Solutions, LLC, Privacy Policy.

Application Verification

You give CU Alternative Lending Solutions and its service providers, consent to obtain information on you from a consumer reporting agency or other means available including, but not limited to, MicroBilt and Veritec. You agree to and authorize such a search. You understand that we may not fund your loan if we cannot successfully verify all of your application information. You understand that CU Alternative Lending Solutions, LLC, will retain this application whether or not it is approved.

Agreement

You certify that the information supplied by you to be true and correct. You authorize CU Alternative Lending Solutions its representatives, servicers, and/or assignees to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on your loan application shall be sufficient reason for denial. REGULATION B under the Federal Truth In Lending Act (T.I.L.A.) prohibits the consideration of Age, Sex, Race, Ethnicity, Gender, National Origin, or Handicap as a basis for making anyone a loan. CU Alternative Lending Solutions does not discriminate on any of these factors. In addition, CU Alternative Lending Solutions will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices. REGULATION Z under the Federal Truth In Lending Act (T.I.L.A.) requires the full disclosure of all costs and terms associated with any credit purchase or transaction and further requires that the costs associated with the transaction be expressed as an annual percentage rate of income. CU Alternative Lending Solutions fully discloses the terms, costs, and rates associated with each loan in the loan agreement.