Consumer Application Experience Guide

The following guide covers the Consumer Application experience. This interface is 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.

Send An Application

1. Send Application	2. Select Finance Program	3. Enter Details (Optional)	4. Communication Consent	5. Application Link Text

What your customer sees, screen by screen

1. Financing Options Disclosure

This is the landing page for a Consumer Application. We disclose terms and conditions and make sure the consumer agrees that they are applying for credit upfront, which keeps your business compliant with Dodd-Frank and 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 agree to the following:
- Terms & Conditions: They will be reading this on their 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 consent allows UAS to send required notices electronically, which is a lot more cost-effective (and more convenient for the consumer)

2. Application

The following application screens collect information one piece at a time, making it simple and smooth to collect 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:

Annual Income	Validate Income	Housing Expense	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 - Terms & Conditions	Application - Applicant Details	Application - Terms & Conditions (Agree)	Approved

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

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

Pending Result (If applicable)	Select Payment Option	Select Term

5. AutoPay Enrollment

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

AutoPay Enroll (ACH)	AutoPay Enroll (Credit Card)	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 log in 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 Sent	Enter Code

Sign Agreements	DocuSign - Terms & Conditions	Sign & Finish	Success

Credit Application Demo

To demo the application process, go to: https://universalaccountservicing.com/financing

_{🔗 Related Article to this Section:}_DocuSign

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. Locate the application in uPortal360 and click the "Edit Charge Amount" button from the Contract Control Panel.

View Contract	Edit Charge	Update Contract

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Collect a Down Payment

If a down payment is required, you can enter 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 clicking on the application link you sent to start the application.