Terms & Conditions of Offer
All loans available through Liberty First Lending, LLC dba Payless USA. Loan amounts range from $2,500-$75,000. APRs
range from 5.99%-29.99% and include a required origination fee of 0%-7% that will be financed into the loan. Loans
may be brokered based on state. Lower interest rate loans and amounts above $35,000 may also be brokered. Loan must
be used to directly pay off qualifying existing balances. This offer is subject to the expiration date listed on the
front page. All loans are subject to credit review and approval. You may be declined if your income is too low to
support your current monthly obligations along with the new loan. By responding to this offer, you are authorizing us to
make inquiries and obtain information about you as we deem appropriate for the purpose of evaluating you for this
extension of credit, including but not limited to credit reports and income verification. This soft inquiry will not
affect your credit score. Should you elect to move forward with the loan, a hard inquiry will be run prior to funding
that could affect your credit score. If you accept your rate, proceed with your application and take out a loan,
repayment information will be reported to the credit bureaus. To evaluate savings on a loan you are considering, it
is important to compare your actual APR from your existing balances to the APR offered by Payless USA. See
payless-now.com for more information.
You received this offer because you met certain criteria related to creditworthiness. This offer is conditioned on
you continuing to meet these pre-established criteria, and on final approval based on our consideration and
verification of financial information. We will be confirming your eligibility to accept this offer. Eligibility for a
loan is not guaranteed. To qualify, you need to show proof of a minimum of $20,000 in retirement or other savings. We
may be unable to provide you with a loan if, after you respond to this offer, we determine that you do not meet the
criteria established for this offer. We may also deny your request for a loan if you omit any information from your
application, if any information on your application is incorrect, or if we are unable to verify your identity. To
receive a loan, you must be a US citizen or permanent resident, currently reside in the US, and be at least 18 years
old. Duplicate offers received because of multiple mailings to the same person are void. You may not transfer this
offer to anyone else. Payless USA is not responsible for errors made by any credit reporting agency. Please note that
with prior consent, all calls with the company may be recorded or monitored for quality assurance and training
purposes. Utah Registered Consumer Lender. All rights reserved.
CFL License # 603K913. CCFPL License #01-CCFPL-839989-3458608
