SMS Terms & Conditions

OTTNO Inc. also known as 'National Auto Loan Network', and/or 'NALN' offers the option to customers to engage in conversations with loan officers to discuss options for auto loan refinancing. By entering your number, you agree to receive mobile messages at the number provided. Message frequency varies. Message and data rates may apply. Text HELP to 1-888-391-3504 for help. Reply STOP to cancel. Carriers are not liable for any delays or undelivered messages.

Terms and Conditions

You must be at least 21 years of age to be eligible. You must provide evidence of at least $1,500 gross monthly income. You must provide evidence of Full Coverage Automobile Insurance at the time the vehicle is refinanced. You must provide a valid driver’s license (one loan allowed per valid Driver’s License). Your monthly car payment under any loan extended in connection with this offer cannot exceed 15% of your provable gross monthly income. Your maximum monthly expenses do not exceed 45% of your provable gross monthly income, including the credit offered on this letter. By responding to this offer, you understand that if a current credit bureau report indicates current delinquent accounts, The National Auto Loan Network may withdraw this credit offer subject to market conditions and borrower eligibility. Credit is available for the refinance of used vehicles-2015 model year or newer with a maximum mileage not to exceed 120,000. Vehicle is not a commercial vehicle, not a conversion package, does not have a salvaged or branded title, is not greater than a one-ton vehicle, or a vehicle in which the odometer has been replaced. Additional terms and conditions may apply. OTTNO Inc. dba National Auto Loan Network, 1735 Flight Way #100, Tustin, CA 92782.

¹ If you continue to meet the criteria used to select you for this offer and the above conditions, you are pre-qualified for a loan of up to $1,000 more than your current car loan balance, at a rate between 6.48% APR and the maximum permitted rate in your state. The following maximum rates apply to this offer depending on your state of residence at the time of application: (12% APR: CT, VA), (16% APR: NC, NE, NJ, NY), (18% APR: FL, SC, TX, WI, WV), (20% APR: MA), (21% APR: AL, CO, IA, ID, IL, IN, KS, LA, ME, MT, OK, PA, RI, SD, WY), (24% APR: GA, MO, OR, TN), (25% APR: CA, DE, KY, MI, MN, ND, NV, OH, UT, WA), (25.99% APR: AZ, DE, NM),(28.75% APR: MS ). We may charge an origination fee, to the extent permitted by law.

² APR = Annual Percentage Rate. "APR as low as" is an average of the 100 lowest interest rates received by a NALN borrower from Decemeber 15, 2022 to May 15, 2023. Your APR is determined at the time of your application, based on creditworthiness, value of the vehicle, and loan term. In some instances, we may refer applicants to lending assignees who may offer lower rates than those offered to NALN borrowers.

³ Average monthly payment savings value was calculated by using the average monthly payment savings for all NALN customers from December 15, 2022 through May 15, 2023.

⁴ NALN offers borrowers no payments for up to 90 days after origination, subject to state law limitations on extended first payment periods. Unless prohibited by law, interest is charged starting on the loan origination date. This means that if your first payment is due more than one month after the loan is made, you will pay more in interest than if the first payment were due one month after the loan is made.

Statement on Use of Electronic Records

You consent (1) to receive all loan agreements, disclosures, notices, and other information (together, the "Electronic Records") in electronic form and (2) to use "Electronic Signatures" for entering into any loan agreement with NALN or its assignees.

You may receive paper copies of any of the Electronic Records maintained by NALN by printing or downloading such Electronic Records directly to your computer, or by written request, with specific details of the Electronic Records you want, mailed to NALN, Attn: Electronic Records Request, 1735 Flight Way, Suite 100, Tustin, CA 92782. Please enclose your name, the home address we have on record for you, and your mailing address, if different. Paper copies of the requested Electronic Records will then be provided at no charge to you. To obtain paper copies from NALN’s assignees, please contact those assignees directly.

Your consent applies to all Electronic Records related to this loan request and transaction and all Electronic Records related to servicing your loan, including but not limited to privacy and collection notices. You may withdraw your consent to receive Electronic Records or update your contact information by calling or emailing your loan officer, or by calling NALN at (888) 391-3504. If you withdraw your consent to receive Electronic Records, NALN will send paper copies of all agreements, disclosures, etc. to you, which might impact the speed of your transaction.

Hardware and Software Requirements. Electronic Records may be accessed with the most recent versions of most web browsers. If you are having difficulty obtaining your Electronic Records online, please try a different browser, or contact us for assistance. To retain your Electronic Records, you must have computer hardware and software capable of saving Electronic Records being viewed by your web browser. In addition, in order to download, save, and view a copy of your loan agreement in PDF format, you will need Adobe Reader software, version 9.0 or later. You may also print Electronic Records if you have a printer and appropriate computer hardware and software for printing pages viewed by your web browser.

Additional Terms of Offer

By prequalifying or applying for a loan with NALN, you:

1. Understand that you are applying for credit,
2. Certify that all information contained within it is true, complete, and correct.
3. Understand that National Auto Loan Network ("NALN") will underwrite your pre-qualification application.
4. Acknowledge that NALN may require verification of certain application information, in their sole discretion.
5. By submitting a Pre-Qualification or Application containing your electronic consent through the NALN Website, and separately for each such request you submit, you are indicating that you desire to be contacted by NALN, and you are providing express written consent that NALN may deliver calls or text messages to you, including for marketing purposes.
6. Consent to NALN agents contacting you by any method, including automated dialing equipment or prerecorded messages, at each respective phone number by calling, texting, or other electronic communication,
7. Authorize NALN to make whatever credit inquiries it deems necessary,
8. Authorize and instruct any person, including but not limited to, all local, state or federal government agencies or consumer reporting agencies, to complete and furnish NALN or its assignees with any information it may have and agree that such information, along with this application, shall remain NALN's property whether or not credit is extended,
9. Authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details to allow verification of your identity and to compare information you have provided to NALN with your wireless operator account profile information, and
10. Acknowledge that you can receive messages and documents via the email address provided in your application and can access and retain those documents, and that you can access information provided electronically at our website and other websites related to your application. You agree to receive documents electronically and to store or print those documents for your records, and that the actions described here or on the documents will serve as your electronic signature on any such documents. You consent to receive electronic communications from us under the Electronic Signatures in Global and National Commerce Act.
11. Married applicants may apply for a separate account.

Federal Notices

• IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT If applicable to your credit transaction, to help the government fight the funding of terrorism and money laundering activities, Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, you will be asked for your name, address, date of birth, and other information to identify you. You may also be asked to see your driver's license or other identifying documents.

State Notices

• California Residents: An applicant, if married, may apply for a separate account.
• Maine and Tennessee Residents: You must have physical damage insurance covering loss or damage to the vehicle for the term of the contract. For a lease, you must also have the liability insurance as described in the lease. You may purchase required insurance through any insurance agent or broker and from any insurance company that is reasonably acceptable to us. You are not required to deal with any of our affiliates when choosing an agent, broker or insurer. Your choice of a particular insurance agent, broker or insurer will not affect our credit decision, so long as the insurance provides adequate coverage with an insurer who meets our reasonable requirements.
• New Hampshire Residents: If you are applying for a balloon payment contract, you are entitled, if you ask, to receive a written estimate of the monthly payment amount for refinancing the balloon payment in accord with the creditor’s existing refinance programs. You would be entitled to receive the estimate before you enter into a balloon payment contract. A balloon contract is an installment sales contract with a final scheduled payment that is at least twice the amount of one of the earlier scheduled equal periodic installment payments.
• New York Residents: In connection with your application for credit, a consumer report may be obtained from a consumer reporting agency (credit bureau). If credit is extended, the party or parties extending credit or holding such credit may order additional consumer reports in connection with any update, renewal or extension of the credit. If you ask, you will be told whether a consumer report was requested and, if so, the name and address of any consumer reporting agency (credit bureau) from which such credit report was obtained.
• Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
• Rhode Island Residents: Consumer reports may be requested in connection with this application. Buyer has the right of free choice in selecting an insurer to provide insurance required in connection with this transaction subject to our reasonable approval in accordance with applicable law.
• Vermont Residents: You authorize us and any financial institution with which this credit application is shared, and each of their respective employees or agents, to obtain and verify information about you (including one or more credit reports, information about your employment and banking and credit relationships) that they may deem necessary or appropriate in evaluating your credit application. If your credit application is approved and credit is granted, you also authorize the parties granting credit or holding your account, and their respective employees and agents, to obtain additional credit reports and other information about you in connection with reviewing the account, increasing the available credit on the account (if applicable), taking collection on the account, or for any other legitimate purpose.
• Married Wisconsin Residents: No provision of any marital property agreement, any unilateral statement under Wis. Stat § 766.59 or any court decree under § 766.70 applied to marital property adversely affects our interest unless you furnish a copy of the agreement, statement, or court decree or we have actual knowledge of such adverse provision before credit is granted. If you are making this credit application individually and not jointly with your spouse, complete Section A about yourself and Section B about your non-applicant spouse. Your non-applicant spouse should not sign the credit application if you are applying for individual credit

Privacy Policy

National Auto Loan NetworkTM (NALN) is committed to protecting the privacy of our customers. This notice describes our privacy policy.

It is important for you to know that we do not, nor will we ever, sell, share, trade or rent names or other information about our customers to third-party marketers.

References to "we," "us,” and "our"," refer to NALN and "you" or "your" shall mean NALN customers. Throughout this notice, the word "information" refers to personal information about you that may not be publicly available.

Purpose of this Notice

Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic information about you with a non-affiliated third party unless the institution provides you with a notice of its privacy policy and practices, such as the type of information that it collects about you and the categories of personal information or entities to whom it may be disclosed. NALN is a financial institution, so personal information we collect on you is protected by GLBA, not the California Consumer Privacy Act (CCPA). In compliance with the GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of our agency.

Information We Gather

While providing services to you, we gather information about which may include, without limitation, your name, address, phone number, email social security number, credit card number, date of birth, employer information, income amounts, current loan information, credit information, and vehicle information (collectively, the "Information"). The Information is received or gathered from the following sources:

• applications and other forms received from you (including web-based communications, applications, and forms);
• your transactions and account experiences with us;
• consumer reporting agencies; and
• Information obtained when verifying information you provide on applications or other forms (this may be from your current or past employers or from other institutions where you conduct financial transactions).

Cookies Information

"Cookies" are small pieces of information sent by a web site's server to a user; the user's computer may show the information back to the server on subsequent pages or actions. Session cookies end when the session with the server ends. When you browse our web site naln.com you do so anonymously and personal information about you is not collected. When you access our Online Application system, session cookies are used. Session cookies are necessary for the security of your account and are used for authentication only.

Use of Information

We use the Information to provide products and services to you, to provide support for those products and services, to review and identify other products and services that may beneficial to you, to communicate with you, and to otherwise do business with you.

Information We Disclose

As permitted by law: We may disclose Information as permitted or required by law. For example, Information may be disclosed in connection with a subpoena or similar legal process or to credit bureaus. In addition, we may disclose Information to companies that perform support or other services for us. Except as set out above, we do not, nor will we ever, sell, share, trade, or rent names or other information about our customers to third parties.

How We Protect Your Information

Access to our Information is limited to NALN employees who provide products or services to you. NALN employees are trained and understand the importance of safeguarding your Information. We maintain physical, electronic and procedural safeguards that meet or exceed federal standards to protect your Information.

NALN's Online Application system provides secure services over the Internet through a protocol known as Secure Sockets Layer. To access your online profile, you will need access to a computer with Internet access and a Secure Sockets Layer compatible browser. The Secure Sockets Layer validates the identity of our site to our customers by using a digital certificate.

When you enter NALN’s Online Application system, encryption is automatically enabled. This is called a secure site. To verify if an Internet session is secure, check the key icon in the corner of your browser's screen. If the key appears intact, then encryption is activated.

Links

Our web site may contain links to other sites. Please note that the privacy policy at these other sites may be different from NALN’s privacy policy. You should review the privacy policy of any site linked to our site before providing any information.

Social Media Sites

NALN uses certain social media platforms, including, without limitation, Facebook, Twitter, and Yelp. Any content you post on social media pages, such as pictures, information, opinions, and personal information, is subject to the terms of use and privacy policies of those sites. Please refer to them to better understand your rights and obligations regarding such content. It is not subject to the NALN's privacy policies as set forth here.

Children

We do not solicit data from or market to anyone under the age of 18 on our website. When you browse our website, you do so anonymously; Information about you is not collected.

Information on Public Records

NALN will only share Information obtained through public records with authorized agents and our assignees; or as may be required by federal or state law or by court order. You will be given the opportunity to consent to the use of your public Information for any other purpose.

How to Remove Your Name from Credit Offers

If you prefer not to receive unsolicited pre-approved credit offers, you can remove your name from lists used by credit reporting agencies (CRAs) for these purposes. To remove your name and address, call 888-5OPTOUT (888-567-8688) or go to www.optoutprescreen.com.

When you call to remove your name from credit bureau lists, you will be given a choice to opt out for five years or permanently. Even though your request becomes effective within a week of calling, it may take several months before you see a reduction in the amount of unsolicited offers of credit.

How to Reduce Telemarketing Calls

The National Do Not Call Registry was created to offer consumers a choice regarding telemarketing calls and gives you an opportunity to limit the telemarketing calls you receive. The National Do Not Call Registry is managed by the Federal Trade Commission (FTC), the nation’s consumer protection agency. Thirty-one days after placing your phone number on the registry, most (but not all) telemarketers should stop calling. For more information on the National Do Not Call Registry, or to register your phone number, go to www.donotcall.gov or call 888-382-1222. Telephone numbers placed on the National Do Not Call Registry will remain on it permanently (unless you choose to remove it) due to the Do-Not-Call Improvement Act of 2007, which became law in February 2008. If you have previously registered your phone number, your registration will not expire after five years, but instead will be permanent.

How to Reduce Junk Mail

The Direct Marketing Association (DMA) sponsors Mail Preference Service (MPS), which has been helping consumers since 1971 limit the national non-profit or commercial mail they receive at home. If you would like to reduce the amount of advertising you receive from companies, you can register for this service online or by mail. The DMA charges a $1 fee for mail registrations.

Mail Preference Service

Direct Marketing Association P.O. Box 643
Carmel, NY 10512
www.dmaconsumers.org/consumerassistance.html

If you contact that agency, you will have the option of removing your name from catalog offers of specific companies, other mail offers of specific companies, or all mail offers. Your name will be removed from your list(s) of choice for three years. Removing your name from these lists will not end all solicitations from businesses that do not subscribe to the service or companies with which you do business. To eliminate mail from those businesses—as well as mail addressed to "occupant" or “resident”—write directly to each source.

Free Credit Reports

You are entitled to receive one free credit report every 12 months from each of the three nationwide consumer credit reporting agencies– Equifax,Experian, and Trans Union.

You are entitled to receive one free credit report every 12 months from each of the three nationwide consumer credit reporting agencies– Equifax, Experian, and Trans Union. These three consumer reporting agencies have set up a central web site, a toll-free telephone number and a mailing address through which you can order your free annual report. To order, visit www.annualcreditreport.com, call 877-322-8228, or print and complete the Annual Credit Report Request Form (available online at www.ftc.gov/credit and mail it to: These three consumer reporting agencies have set up a central web site, a toll-free telephone number and a mailing address through which you can order your free annual report. To order, visit www.annualcreditreport.com or call 877-322-8228, or print and complete the Annual Credit Report Request Form (available online at www.ftc.gov/credit and mail it to:

Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

Do not contact these three consumer reporting agencies individually. Free annual credit reports are available only through the above methods.

When ordering your free report you will be asked to provide your name, address, date of birth, and social security number. In addition, you may be asked to provide further identifying information based on information contained in your credit report.

Only one web site, www.annualcreditreport.com is authorized to fulfill orders for the free annual credit report you are entitled to by law. Other web sites that claim to offer free credit reports, free credit scores or free credit monitoring are not part of the legally-mandated free annual credit report program. In some cases, the “free” product comes with strings attached.

For more information, refer to the Federal Trade Commission (FTC) brochure, "Your Access to Free Credit Reports", available on the FTC's web site at www.ftc.gov.

Report Identity Theft

If someone has fraudulently used your identity to establish credit, contact your credit union immediately and then report the incident as quickly as possible to each of the consumer reporting agencies:

• Experian: 888-397-3742
• Equifax: 800-525-6285
• Trans Union: 800-680-7289
• Innovis: 800-540-2505

Working Together to Protect Your Identity

We are committed to ensuring the protection of your personal information. We hope you find the above information to be helpful. Additionally, periodically you may want to check your records at the above consumer reporting agencies to confirm that no credit accounts have been opened in your name without your consent.