Finance - ES MOTORS | 100% Online Car Auctions & Leading Used Car Dealer in the USA

Credit Application | ES MOTORS Compliance Portal

Personal Information

First Name *

Middle Name (optional)

Last Name *

Date of Birth *

Do You Have a Co-Signer? *

Yes

Email *

Phone *

Social Security # *

Driver License Number *

Driver License State *

Co-Signer Information

Co-Signer First Name *

Co-Signer Middle Name (optional)

Co-Signer Last Name *

Co-Signer Date of Birth *

Co-Signer Social Security # *

Co-Signer Email *

Co-Signer Phone *

Co-Signer Work Phone (optional)

Co-Signer Driver License Number *

Co-Signer Driver License State *

Co-Signer Street Address *

City *

State *

ZIP Code *

Co-Signer Employment Information

Current Employer *

Job Title (optional)

Gross Monthly Income *

Years at Current Job *

Employment Status *

Monthly Housing Payment (optional)

Residency History

Full Street Address *

City *

State *

ZIP Code *

Years at Current Residence *

Monthly Housing Payment (optional)

Previous Residence Information (Less than 2 years at current address)

Previous Street Address *

City *

State *

ZIP Code *

Years Lived There *

Monthly Payment (optional)

Employment History

Current Employer *

Job Title (optional)

Gross Monthly Income *

Work Phone (optional)

Years at Current Job *

Employment Status *

Previous Employment Information (Less than 2 years at current job)

Previous Employer Name *

Previous Job Title (optional)

Years Employed There *

Previous Employer Phone (optional)

Mandatory Credit Disclosures & Acknowledgments

1. FAIR CREDIT REPORTING ACT (FCRA) - 15 U.S.C. § 1681 et seq. By clicking "I UNDERSTAND & AGREE", you authorize ES MOTORS in writing to obtain information about you from personal credit reports and/or credit histories maintained by credit reporting agencies, including Equifax, Experian, and TransUnion. You acknowledge that ES MOTORS will obtain a HARD INQUIRY on your credit file, which will be reported to the credit bureaus and may affect your credit score. This credit inquiry may remain on your report for up to 2 years. You understand that a hard inquiry can temporarily lower your credit score by 5-10 points.

2. TRUTH IN LENDING ACT (TILA) - 15 U.S.C. § 1601 et seq. & Regulation Z (12 CFR Part 1026) You acknowledge that any automotive financing offered by ES MOTORS is subject to TILA and Regulation Z. Any credit offer will include a written disclosure of the APR (Annual Percentage Rate), Finance Charge, Total of Payments, Payment Schedule, and other required disclosures BEFORE you execute a Retail Installment Sales Contract or Promissory Note. You have the right to rescind certain transactions as provided by law.

3. TEXAS FINANCE CODE - Chapter 348 (Retail Installment Sales) ES MOTORS is licensed as a motor vehicle dealer in Texas. This application and any resulting sales contract are governed by Texas Finance Code Chapter 348. You will receive a copy of any contract before execution. Payment terms, down payments, and vehicle conditions will be clearly disclosed in writing.

4. TEXAS TRANSPORTATION CODE - Chapter 501 (Title & Registration) Any vehicle purchased will be transferred with a clear title. All odometer statements and title transfer documentation will comply with state law. You will receive proof of title transfer within 30 days of purchase.

5. ELECTRONIC SIGNATURES & COMMUNICATIONS By submitting this application with a digital signature, you consent to electronic communication regarding your credit application, financing offer, and any vehicle purchase. You may request paper copies of any electronic documents at any time.

6. PRIVACY & DATA SECURITY ES MOTORS maintains the confidentiality of your personal information in accordance with applicable privacy laws. Your SSN, financial information, and credit data are transmitted via 256-bit SSL encryption. We do not share your information without your consent except as required by law or for credit reporting purposes.

I AUTHORIZE a HARD CREDIT PULL and understand it will be reported to credit bureaus and may temporarily affect my credit score. *

I ACKNOWLEDGE that any financing is subject to TILA disclosures and I will receive written disclosures before signing any contract. *

I UNDERSTAND this application is governed by Texas Finance Code and I agree to Texas law jurisdiction for any disputes. *

I CONSENT to electronic communication regarding my application and financing, and understand I may request paper copies. *

I ACKNOWLEDGE ES MOTORS' privacy policy and understand my data is encrypted and protected in accordance with law. *

Digital Signature

✓ Binding Electronic Signature per Texas UETA (Uniform Electronic Transactions Act)

ES MOTORS

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