> DRAFT TEMPLATE - not reviewed by an attorney. Replace this text with counsel-approved wording before launch.

Costs and APR

The cost of financing depends on the product, amount, term, your state and your application. Before you accept an offer we disclose, in writing, the items required by the Truth in Lending Act (TILA) and Regulation Z where they apply:

• Amount financed
• Finance charge
• Annual percentage rate (APR)
• Payment schedule and total of payments
• Any late, prepayment or other fees

This website does not advertise rates or payments. If we later advertise a rate or term, the advertising will include the required triggered-term disclosures.

[Counsel: confirm which products are consumer credit (TILA/Reg Z) and which are business-purpose credit, and the disclosures that apply in each state, including state rate caps and commercial-financing disclosure laws such as those in CA, NY, UT, VA, FL, GA, CT, KS and others.]