The words "you", "your" and "yours" mean the applicant and co-applicants. The words "we" , "us", "our" and "ours" as used below refer to us, the dealer, and to financial institutions that will receive this application.
You authorize us to submit this application and any other application submitted in connection with the proposed transaction to participating financial institutions. This application will be reviewed by such financial institutions on behalf of themselves and the dealer you have chosen. In addition, in accordance with Fair Credit Reporting Act, you authorize that such financial institutions may submit your application to other financial institutions.
There is no cost to apply and you will receive a pre-qualification or the requirement for a loan officer review instantly. The lender will contact you within 24 hours to go over the specific terms and conditions of your approval. Upon your acceptance of the approval the lender will then gather the conditions required and proceed to close your loan.
SPSA Southwest Pool & Spa Association does not represent any of the lenders as a broker or in any other capacity other than a referral source.
SPSA Southwest Pool & Spa Association is not acting as a credit services agent for the consumer. Any credit product for which the consumer applies and / or qualifies is solely the product of the lender(s).
TERM AND CONDITIONS / DISCLOSURE
By completing this web application you certify that all information contained in this credit application is complete and accurate in all respects and that this application is made with the intent that the dealer and any financial institution to which the dealer offers this application rely on the information contained herein extending credit to you. This application shall remain the property of the dealer or its assigners. I authorize my dealer and any financial institution to whom this application is offered to obtain any information from any source whatsoever they may require to reach a credit decision and further you agree to give the dealer or its assigners immediate written notice of any change in my financial condition. Under penalty of perjury, you certify that the social security numbers are correct for IRS reporting purposes. If you ask, you will be told whether a credit bureau report was requested, and if so, the name and address of any credit bureau from which the financial institution or dealer obtained your credit report.
By submitting this application electronically, you agree to the same terms that apply to a signed application. This electronic submission qualifies as a signature. You understand that I/we will have to sign loan documents before funds can be disbursed.
For Arizona residence: Arizona statues holds that your signature authorizes your lender or escrow agent to fill in the spaces you left blank in specified loan documents you are about to sign or may have already signed. Under State law you can give this authority, but you are not required to do so. You can refuse to sign any documents until all blanks are completely filled in.
The Federal Equal Credit Opportunity Act prohibits creditor from discriminating against credit applicants on the basis of sex or marital status.
ALL USERS: CONSENT TO ELECTRONIC TRANSACTIONS AND DISCLOSURES
Electronic Communications. Some Lender(s) may provide you Disclosures electronically through the Lender(s) web site or via electronic mail to the verified email address you provided. If you require paper copies of such Disclosures, you may write to the Lender(s) at the mailing address provided on the Lender(s) web site and a paper copy will be sent to you at a cost of $5.00. The lender(s) may discontinue electronic provision of Disclosures at any time at their sole discretion.
Scope of Consent. Your consent to receive Disclosures and transact business electronically, and the lender(s) agreement to do so, applies to any transactions to which such Disclosures relate. Your consent will remain in effect for so long as you are a User and, if you are no longer a User; will continue until such a time as all Disclosures relevant to transactions that occurred while you were a User have been made.
Consenting to Do Business Electronically. Before you decide to do business electronically with some Lender(s), you should consider whether you have the required hardware and software capabilities described below.
Hardware and Software Requirements. In order to access and retain Disclosures electronically for some Lender(s), you must satisfy the following computer hardware and software requirements: access to the Internet; an email account and related software capable of receiving email through the Internet; supported Web browsing software (Chrome version 32.0 or higher, Firefox version 26.0 or higher, Internet Explorer version 8.0 or higher, or Safari version 7.0 or higher); and hardware capable of running this software.
Security Statement. This Internet Solution brings together a combination of security technologies to protect data for us, for you and for our customer. It features Secure Socket Layer (SSL) protocol for data encryption and router loaded with a firewall to regulate the inflow and outflow of server traffic
Secure Data Transfer. Once the server session is established, the user and the servers are in a secured environment. Because the server has been certified as a 128-bit secure server by data traveling between the user and the server is encrypted with Secure Socket Layer (SSL) protocol. With SSL, data that travels between us and you the customer is encrypted.
SPSA Financing Marketplace
The Southwest Pool & Spa Association / SPSA is a non-profit professional organization educating and servicing the pool and spa industry with ethics and integrity. SPSAFinance Office has a comprehensive array of lenders that specialize in home improvement lending and provides financing solutions for those with excellent credit and those that might have some credit challenges.
The process is fast, simple and secure. There is NO COST to APPLY. Complete the secure "Online Loan Application" and you will receive an instant response indicating that you have been pre-qualified or additional information is needed to make a decision.
A SPSA Finance Office representative will contact you by way of the phone number or email you supplied and provide you with the best financing option for your individual needs
"Thousands of people a month use these loan programs to finance their home improvements".
Loan Terms up to 120 months and Fixed Rates as low as 4.74% APR
0% up to 21 months on Purchases & Commercial Loans / Leases