Dear Kenneth,
It has come to our attention that you have worked hard to get your credit where it is
today. :e feel like you should be rewarded for your efforts.
We noticed you are currently paying an estimated interest rate of 11% APR on your
estimated auto loan payment of $3. To show you how much your hard work has paid off,
ZHwould like to offer you an opportunity to save money and lower \RXUPRQWKO\SD\PHQW
by reducing your interest rate to as low as 3.99%** APR.
You Have Options
1.
You may be wondering how this is possible. It’s simple; if you love the car
you are driving, keep it. You have been pre-screened for a minimum of $7,500*
to refinance your vehicle with a rate as low as 3.99%** APR. (You must be at least 21 years of
2.
If you would like to upgrade to something newer, ABC Motors located at 1234
Any Street in USA, GA 30260 is looking to purchase vehicles similar to yours.
So if you are ready for a change you may be able to save money by trading in
your current vehicle and purchasing a new or pre-owned one from ABC Motors.
ABC Motors may be able to offer you a rate that is even lower than 3.99%** APR
(On select models with approved credit. See dealer for details). With interest
rates at an all-time low there has never been a better time to buy! (You must be at least
age to be eligible. You must continue to meet the criteria used to select you for this offer and our credit worthiness criteria. You must provide evidence
of at least $2000 gross monthly income. Your maximum monthly expenses must not exceed 40% of your gross monthly income, including the credit offered on this
letter. If you continue to meet the criteria used to select you for this offer and the above conditions, you are pre-qualified for the amount shown in this
letter, at an interest rate between 3.99% and the maximum permitted interest rate for your state, calculated according to the simple interest method, for a
term of up to 72 months. For example, if you are paying right now: for every $1,000 financed @ 11.9% APR for a period of 72 months the monthly payment is
$19.50 and @ 15.9% APR is $21.64. Therefore, if you finance $15,000 @ 11.9% APR over 72 months, your monthly payment is 292.50. See dealer for additional
examples.)
21 years of age to be eligible. You must continue to meet the criteria used to select you for this offer and our credit worthiness criteria. You must provide
evidence of at least $2000 gross monthly income. Your maximum monthly expenses must not exceed 40% of your gross monthly income, including the credit offered
on this letter. If you continue to meet the criteria used to select you for this offer and the above conditions, you are pre-qualified for the amount shown
in this letter, at an interest rate between 3.99% and the maximum permitted interest rate for your state, calculated according to the simple interest method,
for a term of up to 72 months. For example, if you are paying right now: for every $1,000 financed @ 11.9% APR for a period of 72 months the monthly payment
is $19.50 and @ 15.9% APR is $21.64. Therefore, if you finance $15,000 @ 11.9% APR over 72 months, your monthly payment is 292.50. See dealer for additional
examples.)
The Process Is Simple:
Decide if you want to keep your vehicle or if you want a new one, then:
Call Or Go Online
Schedule an Appointment
Call (800)235-4605, log on to
www.alliancedirectlending.com, and
complete the short verification
process. Your personal qualification
code is:
Take this letter to ABC Motors located
at 1234 Any Street in USA, GA 30260 and
choose from a special selection of
inventory designed for this program.
23Y;;;;;
Call Today (800)235-4605 Se Habla Español
You can choose to stop receiving “prescreened” offers of credit from this and
other companies by calling toll-free 1-888-567-8688 or by visiting
www.optoutprescreen.com. See PRESCREEN & OPT-OUT NOTICE on other side for
more information about prescreened offers.
*SEE BACK OF THIS LETTER FOR IMPORTANT CONSUMER RIGHTS UNDER FEDERAL LAW AND FOR TERMS AND CONDITIONS OF THIS OFFER
1301 E. Lincoln Ave
Orange, CA 92865
Presort Standard
U.S. Postage
PAID
Santa Ana, CA
Permit No. 4734
DAISY TANG
Tr/-1 ID/-1
ANYTOWN, GA 31064