PAYDAY LOAN CONTRACT AND DISCLOSURE STATEMENT
Lender: Optima Financial Solutions Inc 4645 Van Nuys Blvd #202 Sherman Oaks, CA 91403
Contract Date:2019-04-22 |
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Loan ID:35 |
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Borrower:asim |
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Address: |
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City, State, Zip:,, |
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FEDERAL |
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ANNUAL |
FINANCE |
AMOUNT |
TOTAL OF |
PERCENTAGE |
CHARGE |
FINANCED |
PAYMENTS |
RATE |
The dollar amount the |
The amount of credit |
The amount you will have |
The cost of your credit |
Credit will cost you |
Provided to you or on your |
Paid after all scheduled |
As a yearly rate |
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behalf |
Payments are made |
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Security
*Your
*Your wage assignment, if given, is also security for this loan.
PAYMENT SCHEDULE Your payment schedule will be:
Number of Payments |
Amount of Payment |
When Payment is Due |
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Prepayment
A Consumer may cancel future payment obligations on a payday loan, without cost or finance charges, no later than the end of the second business day, immediately following the day on which the payday loan was executed. If you pay off early, you will not be entitled to a refund of a portion of the finance charge. See below and and/or second page of this contract for any additional information about nonpayment, default, any required payment in full before the scheduled date, and prepayment refunds and penalties.
By signing this Loan Contract and Disclosure Statement (this "contract") and accepting a loan from Optima Financial Solutions Inc ("Lender") the undersigned borrower ("I", "you", "borrower") agrees to and accept the terms and conditions set forth on all pages of this contract.
I UNDERSTAND THAT IF I STILL OWE ON ONE OR MORE PAYDAY LOANS AFTER 35 DAYS, I AM ENTITLED TO ENTER INTO A REPAYMENT TO ENTER INTO A REPAYMENT PLAN THAT I WILL GIVE ME AT LEAST 55 DAYS TO REPAY THE LOAN IN INSTALLMENTS WITH NO ADDITIONAL FINANCE CHARGES, INTEREST, FEES, OR OTHER CHARGES OF ANY KIND.
WARNING: THIS LOAN IS NOT INTENTED TO MEET
YOU CANNOT BE PROSECUTED IN CRIMINAL COURT TO COLLECT THIS LOAN.
Signature of Borrower |
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Lender: Optima Financial Solutions Inc |
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Name:Title:
CONTRATO DE PRÉSTAMO DE PAGO Y DECLARACIÓN DE DIVULGACIÓN
Prestamista: Optima Financial Solutions Inc 4645 Van Nuys Blvd # 202 Sherman Oaks, CA 91403
Fecha del Contrato: |
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Número de Préstamo: |
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Prestatario: |
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Dirección: |
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Código postal: |
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DECLARACIÓN FEDERAL DE DIVULGACIÓN DE VERDAD EN PRÉSTAMO |
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TASA DE PORCENTAJE |
CARGOS DE |
MONTO FINANCIADO |
TOTAL DE PAGOS |
ANUAL |
FINANCIAMIENTO |
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El costo de su crédito |
El importe en dolares que le |
Cantidad de credito provista |
El monto que Habra pagado |
expresado como tasa annual. |
costara el credito. |
a usted o en su nombre. |
despues de haber efectuado todos |
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los pagos programados . |
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Seguridad
*Su (s) pago (s) con fecha posterior y / o la Autorización de la Cámara de Compensación Automatizada ("ACHA") que, de ser así, se hacen / forman parte de este Acuerdo, como si se indicara completamente en este documento como garantía del préstamo.
*Su asignación de salario, si se otorga, también es garantía para este préstamo.
CALENDARIO DE PAGO |
Su calendario de pago será: |
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Numero de Pagos |
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Monto del Pago |
Fecha del Pago |
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Pago por adelantado
Un Consumidor puede cancelar futuras obligaciones de pago en un préstamo de día de pago, sin costos ni cargos financieros, a más tardar al final del segundo día hábil, inmediatamente después del día en que se ejecutó el préstamo de día de pago. Si paga anticipadamente, no tendrá derecho a un reembolso de una parte del cargo financiero. Consulte a continuación y / o la segunda página de este contrato para obtener información adicional sobre la falta de pago, el incumplimiento de pago, cualquier pago requerido en su totalidad antes de la fecha programada y los reembolsos y multas por pago anticipado.
Al firmar este Contrato de préstamo y Declaración de divulgación (este "contrato") y aceptar un préstamo de Optima Financial Solutions Inc ("Prestador"), el prestatario abajo firmante ("yo", "usted", "prestatario") esta de acuerdo y acepta los términos y condiciones establecidas en todas las páginas de este contrato.
ENTIENDO QUE SI AÚN DEBO EN UNO O MÁS PRÉSTAMOS DE DIA DE PAGO DESPUÉS DE 35 DÍAS, SE ME PERMITE ENTRAR EN UN PLAN DE REPAGO QUE ME DARÁ AL MENOS 55 DÍAS PARA REPAGAR EL PRESTAMOS EN PAGOS SIN CARGOS DE FINANCIAMIENTO, INTERESES, HONORARIOS O OTROS CARGOS DE CUALQUIER TIPO.
ADVERTENCIA: ESTE PRÉSTAMO NO ESTÁ INTENCIONADO A CUMPLIR CON LAS NECESIDADES FINANCIERAS A LARGO PLAZO. ESTE PRÉSTAMO DEBE SER USADO PARA CUMPLIR CON LAS NECESIDADES DE EFECTIVO A CORTO PLAZO. EL COSTO DE SU PRÉSTAMO PUEDE SER MAYOR QUE LOS PRÉSTAMOS OFRECIDOS POR OTRAS INSTITUCIONES DE PRÉSTAMOS. ESTE PRÉSTAMO ESTÁ REGULADO POR EL DEPARTAMENTO DE REGULACIÓN FINANCIERA Y PROFESIONAL.
NO SE PUEDE PROCESADO EN LA CORTE PENAL PARA RECOGER ESTE PRÉSTAMO.
Firma del Prestatario |
Fecha |
Prestamista: Optima Financial Solutions Inc |
Fecha |
Nombre:Titulo:
Optima Financial Solutions Inc
11306 EAST 183RD ST SUITE 305A CERRITOS, CA 90703
Borrower Name/Nombre del Deudor: asim
Loan Number/Numero de Prestamo: 35
Date/Fecha: 2019-04-22
SMS POLICY LOAN #_________
By providing your cellular phone number, you have provided us with consent to send you text messages (SMS) in conjunction with the services you have requested. Your cellular provider's MSG & Data Rates may apply to our confirmation message and all subsequent messages.
You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should tahe steps to safeguard your phone and your text messages if you want them to remain private (NO CONFIDENTIAL INFORMATION SHOULD BE SENT VIA SMS)
Please notify us immediately if you change mobile numbers.
If we notufy this SMS Policy, we will notify you by sending you a SMS. We may terminate our SMS Policy at any time.
If you have any questions about this SMS Policy, would like us to mail you a paper copy or are having problems receiving or stopping our text messages, please contact us using the following information: Optima Financial Solutions Inc 11306 EAST 183RD ST SUITE 305A CERRITOS, CA 90703 info@ofsca.com or (747)
You agree and consent to the contracted by the Company, our agents, employees, attorneys, subsequent creditors, loan servicing companies and third party collectors through the use of email, and/or telephone calls, and/or SMS to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including the use of automatic telephoning dailing systems,
This SMS Policy applies to the text messages sent by AAT Capital to our customers while and after they use our service. If you wish to stop receiving SMS from Optima Financial Solutions Inc reply to any text message we have sent you and, in your reply, simply type STOP. Your stop request will become effective immediately. You may also stop SMS by calling us suing the following information: Optima Financial Solutions Inc 11306 EAST 183RD ST SUITE 305A CERRITOS, CA 90703 info@ofsca.com or (747)
HELP or SUPPORT
If at any time you need our contact information os information on how to stop SMS, reply to any text message we have sent you and in this reply simply type HELP. Upon receiving your text message, we will send you a text message with this information. The message we sne dprovide you with information about your account. Some of the SMS we send may include links to websites. To access these websites, you will need a web browser and Internet access.
AGREEMENT TO RECEIVE SMS
By signing this section, you authorize Optima Financial Solutions Inc or Our Agents to send marketing to the mobile number you have provided and that is listed below using and automatic dailing system, You are not required to authorize marketing SMS to obtain credit or other services from us. If you do not wish to receive, sales or marketing SMS from us, you should not sign this section. You understand that at any messages we send you may be accessed by anyone with access to your SMS. You also understand that your mobile phone service provider amy charge you fees for any SMS that we send you, and you agree that we shall have no liability for any cost related to such SMS. At any time, you may withdraw your consent to receive marketing by calling us at (747)
Borrower's Name:
asim
Borrower's Mobile Telephone #:
Borrower's Signature
Date: 2019-04-22
Optima Financial Solutions Inc
11306 EAST 183RD ST SUITE 305A CERRITOS, CA 90703
Borrower Name/Nombre del Deudor: asim
Loan Number/Numero de Prestamo: 35
Date/Fecha: 2019-04-22
Credit Card Authorization Form
11306 EAST 183RD ST SUITE 305A CERRITOS, CA 90703
Authorization to make payments on my Optima Financial Solutions Inc Loan # _______________ on continuig basis using the
Credit Card described below and the terms of this Loan, unless otherwise instructed in writing by the Credit Card Holder.
Autorización para hacer pagos en mi cuenta de LS Financing, Inc prestamo # _______________ sobre la base
continua utilizando la tarjeta de crédito que se describe a continuación y los términos de este préstamo , a menos que se indique lo contrario por escrito por el titular de la Tarjeta de Crédito .
Type of Debit/Credit Card: Master Card
Credit Card Number: 121212
Expiration Date: 2019-04-22
CVV 432132143214
Credit Card Billing Address:
Telephone:
I, asim , the undersigned hereby states that the above described Credit Card
is in my name and that i authorize its charge to Optima Financial Solutions Inc for full or partial payments.
Yo , asim , el abajo firmante de la tarjeta de crédito en mi nombre descrita
en la parte superior y que autorizo su cargos a Optima Financial Solutions Inc para los pagos totales o parciales.
Cardholder's Signature/Firma del Titular de la Tarjeta de Credito/Debito
Date/Fecha: 2019-04-22
Optima Financial Solutions Inc
11306 EAST 183RD ST SUITE 305A CERRITOS, CA 90703
Borrower Name/Nombre del Deudor: asim
Loan Number/Numero de Prestamo: 35
Date/Fecha: 2019-04-22
ACH Authorization Form
Formulario de Autorizacion de ACH
I (we) hereby authorize Optima Financial Solutions Inc to initiate entries to my (our) checking/savings accounts at The Financial Institution listed below and, if necessary, initiate adjustments for any transactions credited/debited in error. This authority will remain in effect until Optima Financial Solutions Inc is notified by me (us) in writing to cancel it in such time as to afford Optima Financial Solutions Inc and The Financial Institution a reasonable opportunity to act on it.
Yo (nosotros) autorizamos a Optima Financial Solutions Inc a iniciar inscripciones a mi (nuestras) cuentas de cheques/ahorros en La Institución Financiera que se enumera a continuación y, si es necesario, iniciar ajustes por cualquier transacción acreditada o debitada por error. Esta autoridad permanecerá en vigor hasta que Optima Financial Solutions Inc sea notificada por escrito (por escrito) para cancelarla en el tiempo que se dé a Optima Financial Solutions Inc y La Institución Financiera una oportunidad razonable para actuar en ella.
Borrower's Name/Nombre del Deudor: asim
Borrower's Address/Direccion del Deudor:
Borrower's Bank/Banco del Deudor: HSBC
Borrower's Bank Routing Number: 213213
Borrower's Bank Account Number: 12321321432143
Payment Amount/Monto del Pago: $150 , Past Due Amount or Payoff/Monto Atrasado o saldar la cuenta.
Bank Account Holder's Signature/Firma del Titular de la Cuenta de Banco
Date/Fecha: 2019-04-22
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PRIVACY NOTICE |
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Optima Financial Solutions Inc |
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FACTS |
WHAT DOES Optima Financial Solutions Inc DO WITH YOUR PERSONAL INFORMATION? |
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Financial Companies choose how they share your personal information. Federal law gives consumers the right to limit some |
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Why? |
but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal |
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information. Please read this notice carefully to understand what we do. |
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The types of personal information we collect and share depend on the product or service you have with us. This information |
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can include: |
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What? |
• Social Security number and income |
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• Account balances and payment history |
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• Credit history and credit scores |
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All financial companies need to share customer’s personal information to run their everyday business. |
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How? |
In the section below, we list the reasons financial companies can share their customers’ personal information; the |
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reasons Optima Financial Solutions Inc chooses to share; and whether you can limit this sharing. |
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Reason we can share your personal information |
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Does Optima Financial Solutions Inc |
Can you limit this |
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Share? |
sharing? |
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For our everyday business purposes – |
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Yes |
No |
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such as to process your transactions, maintain your account(s), respond to court |
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orders and legal investigations, prevent or mitigate fraud, engage in corporate |
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transactions, or report to credit bureaus |
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For our marketing purposes – |
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Yes |
No |
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to offer our products and services to you |
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For joint marketing with other financial companies |
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No |
We don’t share |
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For our affiliates’ everyday business purposes – |
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No |
We don’t share |
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information about your transactions and experiences |
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For our affiliates’ everyday business purposes – |
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No |
We don’t share |
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information about your creditworthiness |
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For our affiliates to market to you |
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No |
We don’t share |
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For |
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No |
We don’t share |
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Questions? |
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Please Call (747) |
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AVISO DE PRIVACIDAD |
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LS FINANCING |
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HECHOS |
QUE HACE LS FINANCING CON SU INFORMACION PERSONAL? |
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Las Empresas Financieras eligen la manera en que comparten su informacion personal. Las Leyes Federales dan a los |
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Porque? |
consumidores el derecho a limitar como comparten la informacion, pero no se puede limitar todo. Las Leyes Federales tambien |
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nops obligan a informales sobre la manera en que tomamos, compartimos y protegemos sus datos personales. Por favor lea |
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esta notificacion cuidadosamente para entender lo que hacemos. |
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Los tipos de datos personales que tomamos y compartimos dependen del producto o servicio que tenga con nosotros. Estos |
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datos pueden incluir: |
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Que? |
• Numero de Seguro Social y Ingresos |
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• Saldos de cuentas e historial de pagos |
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• Historial de credito |
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Todas las Empresas Financieras necesitan compartir la informacion personal de sus clientes para llevar a cabo sus actividades |
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diarias. En la Seccion siguiente describimos las razones por las que las Empresas Financieras pueden compartir la informacion |
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Como? |
personal de sus clientes; las razones por las cuales Optima Financial Solutions Inc elige compartir dicha informacion y si usted puede limitar |
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que se comparten dicha informacion. |
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Razones por las que compartimos su informacion personal |
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Optima Financial Solutions Inc |
Usted puede limitar? |
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Comparte? |
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Para nuestras actividades diarias – |
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Yes |
No |
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tales como procesar sus operaciones, mantener su(s) cuenta(s), responder |
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requisitos judiciales e investigaciones legales o reportar a agencias de credito. |
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Para nuestras actividades comerciales – |
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Yes |
No |
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para ofrecerle nuestros productos y servicios |
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Para comercializacion conjunta con otras empresas financieras |
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No |
No Compartimos |
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Para las actividades diarias de nuestros afiliados – |
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No |
No Compartimos |
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informacion acerca de sus operaciones y experiencias |
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Para las actividades diarias de nuestros afiliados – |
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No |
No Compartimos |
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informacion sobre su solvencia |
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Para que nuetros afiliados lleven a cabo actividades comerciales |
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No |
No Compartimos |
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Para que las empresas no afiliadas lleven a cabo actividades comerciales |
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No |
No Compartimos |
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Preguntas? |
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Llamenos al (747) |
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