Prescreen Offer Terms and Conditions

This prescreened offer is based on information in your credit report indicating that you meet certain criteria. This offer is only valid for the person the letter is addressed to in the state where you reside. Offer valid over the phone or online until the expiration date stated on the front page. Rates, terms and conditions apply. Funding times subject to system limitations.

To receive a loan, you must meet our, and the unaffiliated lenders (Texas), applicable criteria bearing on creditworthiness. Pre-approved applicants must meet minimum age requirements; cannot be an active duty member of the Military, a spouse or dependent; and must have a valid Social Security Number, an open and active checking account which reflects recurring income deposits, a valid home or cell phone number, valid email address, and valid driver's license or ID number. Applicants cannot already have an open account with Avío Credit and cannot be in poor standing from any previous Avío Credit accounts. You must meet minimum monthly income requirements to be considered for a loan.

Your loan is not complete until you receive your loan funds. In Texas, we reserve the right to deny you credit services, in our sole discretion; and the unaffiliated lenders reserve the right to deny your request for a loan, in their sole discretion subject to applicable law and criteria bearing on creditworthiness as set forth above, at any time prior to funding or disbursing loan funds to you.

To process the application, it must be:

• Accurately completed
• Submitted by the expiration date
• Electronically signed by the addressee

License

Avío Credit, Inc is licensed by: the State of Alabama State Banking Department, the Kansas State Banking Commissioner, the State of Missouri Division of Finance, the South Carolina State Board of Financial Institutions, the Utah Department of Financial Institutions, the State of Wisconsin Department of Financial Institutions. In California, Avío Credit, Inc is Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law. In Idaho, Avío Credit, Inc has a Regulated Lender License in Idaho.

Alabama: Minimum age to apply is 19.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Avío Credit requires that minimum payments include a principal reduction of 2.5% or $12.50 for Customers who get paid bi-weekly/twice a month, or 5% or $25.00 for Customers who get paid monthly, which is greater.

In Texas, Avío Credit, Inc is a licensed Credit Access Business and examined by the State of Texas-Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207, (800) 538-1579, consumer.complaints@occc.texas.gov, www.occc.texas.gov. Avío Credit operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party.

Prescreen & Opt-Out Notice

This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this or any other companies, call the consumer reporting agencies toll free at 1-888-5OPTOUT (1-888-567-8688) and 1-866-390-3118 for Clarity Services, or visit www.optoutprescreen.com, or write: