SWEETPAY CREDIT CHECK AUTHORIZATION

SweetPay LLC (“SweetPay”) provides a technological solution to assist with the delivery of personal loans to individuals. SweetPay is not a lender. SweetPay has partnered with the lenders on the SweetPay platform (each, a “Lender”).

By checking the “reviewed and agree” box and clicking the “continue” button, you authorize SweetPay and each Lender to obtain (directly and through service providers) your credit report from one or more consumer reporting agencies, such as TransUnion, Experian or Equifax.

You authorize SweetPay and each Lender to conduct an eligibility inquiry for credit (sometimes also called a “soft credit pull”) and obtain credit information from a consumer credit reporting agency for purposes of this eligibility inquiry. You understand that this eligibility inquiry will not affect your credit score.

Your further understand that, after completion of the eligibility inquiry, SweetPay and each Lender may provide credit information it obtained from the eligibility inquiry to third party affiliates, including one or more Lenders in the case of SweetPay, and based upon that credit information, you may receive a loan offer(s) from one or more Lender.

If you accept one of the loan offers, you understand that the Lender may conduct a hard credit pull, which may have an effect on your credit score. You authorize the Lender to conduct the hard credit pull.

You also understand that a Lender may conduct a hard credit pull prior to making a loan offer, which may have an effect on your credit score. You authorize the Lender to conduct this hard credit pull.

You acknowledge that SweetPay and each Lender may use the credit report for any purpose permitted by law, including:

1. To authenticate you are who you say you are;
2. To make credit decisions;
3. To determine your current debt-to-income ratio; and
4. To obtain a credit score.

You agree that each Lender may collect information from credit bureaus after the Lender funds your loan for various purposes, including (i) to evaluate risks associated with your loan and monitor changes to your credit profile, (ii) to display credit information to you, and (iii) to analyze data and offer you additional products or services. You authorize each Lender to verify information in your credit report, and you agree that each Lender may contact third parties without further notice to you to verify any and all information as it relates to the above matters or which you have provided to the Lender in connection with a request/application for credit or to administer or monitor your loan account if a loan is made.