By using ONI: PayDay Cash Advance and applying for a loan, you authorize ONI SAME DAY LOAN & AUTO SALES INC and its affiliates, service providers, and agents ("we," "us," or "our") to access your credit report and related information from one or more consumer reporting agencies, including TransUnion, Experian, Equifax, and Clarity.
We may use this information to:
- Verify your identity
- Assess your creditworthiness and loan eligibility
- Determine loan amount, interest rate, and terms
- Manage and service your loan
- Conduct risk analysis
- Comply with legal and regulatory requirements
We may perform a soft credit inquiry during your application, which typically does not affect your credit score. If you accept a loan offer, we may conduct a hard inquiry, which may impact your credit score.
You also authorize us to periodically obtain updated credit information for these purposes for the duration of your loan, as allowed by law.