Highlands Financial Credit Application Terms

I/We (“I”, “me”, “my”) the applicant(s) authorize Highlands Financial, Inc. and their affiliated lenders, to conduct a credit check. 

Please note the following:

Any unit with living quarters is not my/our primary residence.  This loan is not for a federally related mortgage loan.  This is for personal and recreational use and is not for commercial use.  The information I/we have provided is true and correct to the best of my knowledge.  The dealer lender, and/or investor will retain this credit application whether or not it is approved.  The dealer, lender, and/or investor are authorized to check my/our credit and employment history.  Subsequent updates, renewals or extensions of any credit granted may be request as a result of this application.  I/We understand the questions asked and responded to these particular questions.  This application accurately reflects my/our financial position.  To maintain security of your personal and account information, we restrict access to this information to only those who need to know the information in order to provide you with products and/or services.  We do not disclose any non-public information about you to anyone except as permitted by law.  We maintain physical, electronic and procedural safeguards to protect this personal information

Notice for New York Residents:  A Consumer credit report may be requested in connection with this application or in connection with updates, renewals or extensions of any credit granted as a result of this application.  If you subsequently ask for this information you will be informed whether or not such a report was requested and, if so, the name and address of the agency that furnished the report.

Notice to Ohio Residents:  The Ohio law against discrimination requires that all creditors make credit equally available to all worthy customers, and that credit reporting agencies maintain separate histories on each individual upon request.  The Ohio Civil Rights Commission administers compliance with this law.

Notice for Married Wisconsin Residents:  Wisconsin laws provide that no agreement, unilateral statement or court decree relating to marital property shall adversely affect a creditor’s interest, unless prior to the time credit is granted the creditor is furnished a copy of the agreement or decree, or has actual knowledge of the adverse provision.  You must indicate the name of your spouse on the installment contract, and the address if different from yours.

Notice to California and Utah Residents:  As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to perform the terms of your credit obligations.

Notice for Maine Residents:  If this application is approved by the creditor, you will be required to obtain and maintain physical damage insurance on the collateral securing the debt.  You have a free choice in the selection of the agent and the insurer through of by which the insurance is placed. 

Information provided by you on the application as a result of the credit inquiry may be disclosed to a third party.  You may opt out of having information shared with third parties by sending a letter or completing a written notice calling our toll free number or sending an e-mail notice.  The notice may include instructions to the lender that no parties or that only some parties may receive such personal non-public information.  No instructions from you will indicate that disclosure is permissible. If you choose to opt out of having information shared with third parties, please request the 800 number, address, or e-mail address for the, lender from your dealer.  The dealer may provide you with an opt out notice for your convenience.