Consumer Application Experience Guide

Consumer Application Experience Guide

The following guide covers the Consumer Application experience. This process is completely cross-platform designed for mobile, tablet, or desktop devices of any size. The screenshots in this guide highlight the mobile experience to show how easy this is for your customers to complete right from their phone.

Seller Sends Credit Application to Consumer

1. Click Send New Application Button	2. Select Finance Program and Delivery Method	3. Enter in Consumer Details (Optional)	4. Confirm Communication Consent	5. Consumer Starts Application

Consumer Completes Application

1. Financing Options Disclosure

This is the landing page for a Consumer Application. We disclose terms & conditions, and make sure the consumer agrees that they are applying for credit upfront, which keeps your business compliant with Dodd-Frank & GLBA (Gramm-Leach-Bliley Act). Your logo is displayed at the top of the disclosure, so that your customers will know that they are applying for financing with your business.

Consumers are Agreeing to the following:

• Terms & Conditions: They will be reading this on their own behalf
• Privacy Policy: UAS does not share their information, & only uses it for credit purposes
• ESIGN Consent Act:They must consent to the use of Electronic Communication
  • Consent to Electronic Records, Signatures, Disclosures, and Communications
  • This Consents allows UAS to send required notices electronically, which is a lot more cost effective (and more convenient for the consumer).
    
    

Consumer Agrees to Apply for Credit

2. Application

The following application screens take one piece of information at a time, for a simple and smooth experience collecting information on mobile devices.

Kindly be aware that the method employed for receiving the application, whether it is via phone or email, shall remain unchanged once the application process commences without the assistance of our support team

Location Permission	Phone & Email	Name & Address	DOB & SSN

For assistance with location settings, check out these helpful links:

• iPhone Location Settings
• Android Location Settings 

Annual Income	Validate Income	Verify Housing	Co-Applicant

Once your consumer completes entering their application information, they will receive a prompt to add a co-applicant, if necessary. Once the application is deemed complete, they will be given the opportunity to review and verify the accuracy of all the provided information. If everything is correct, they will proceed to review and accept the Terms & Conditions before clicking the "Apply" button to submit their application for consideration.

3. Application Summary

Application & Finance Terms Review	Applicant Details - Expanded	Application & Finance Terms - Acknowledgement	Approved

4. Application Approval + 1st Payment Date + Payment Options

After the consumer submits the application, they can see their application approval, selecting their 1st payment date, choose their payment option, and options for electronic statements/alerts.

Pending Result (If applicable)	Choose First Payment Date	Select Term

5. AutoPay Enrollment

If your program or this application requires AutoPay, the AutoPay info will be collected directly in the application. If AutoPay is not required, you will see a skip for now link

AutoPay Enroll - Bank Account (if applicable)	AutoPay Enroll - Credit Card (if applicable)	AutoPay Continue

6. Sign Agreements + Success

Lastly, all your customer has to do is sign their agreement. The Consumer Application will redirect right to DocuSign inside the application. After signing, their contract will go active, and the Consumer Application will be present with their access credentials to login to uPortal360 to manage their account with UAS.

DocuSign

• They have already consented to ESIGN – receive documents, communicate, & provide sign electronically 
• Depending on the method they choose to complete the application, they will receive a verification code via email or text message.
  
  

Confirmation (phone or email)	Verification Code: Phone	Enter Code

Sign Agreements	DocuSign - Terms Agreement	Sign & Finish	Success

Merchant Control Panel

If price negotiations or changes are essential to your businesses sales processes, you can easily update the amount of the financing charge in uPortal360 at any time before contract agreements are signed. Simply locate the application in uPortal360, and click the "Edit Charge Amount" button from the Contract Control Panel.

Click "View Contract"	Click "Edit Charge Amount"	Enter Updated Amounts

Collecting Down Payment when Updating Charge Amounts

If a down payment is required, you can enter in the amount collected in the charge details. Once you click the update button, your consumer will be able to complete the process by either refreshing their application screen or by clicking on the application link you sent for them to start the application.

Click "View Contract"	Click "Edit Charge Amount"	Enter in Down Payment Collected	Update Charge Slip