“By clicking, ‘I have read and agree’ you certify that the information provided on your credit application is, to the best of your knowledge, complete and accurate. You also  understand that the local Payless Car Sales® franchised dealer  and financial institution(s) will rely on this information to judge your credit worthiness, and will retain this application and information about you whether or not this application is approved. Further, you authorize an investigation of your credit and employment history, in conjunction with which your credit report(s) may be obtained from one or more consumer credit reporting agencies. You understand that false statements may subject you to criminal penalties.  You further understand that the local Payless Car Sales® Dealer and/or the financial institution(s) that evaluate your application may require additional information.

FAIR CREDIT REPORTING ACT DISCLOSURE:   You understand that this application for credit will be submitted by the dealer to various financial institutions for evaluation.