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Legal
Notices for All Customers

The information contained herein does not constitute an offer to sell securities or a solicitation of an offer to buy securities. Purchases or sales of securities privately offered by Finova or its affiliates (the “Securities”) can only be made by private placement memorandum and related subscription documents, which will be provided to accredited investors on a confidential basis at their request for their consideration in connection with such offering. Investment in the Securities will involve significant risks, including loss of principal. The Securities will have limited liquidity options, as there is a limited secondary market for the Securities. None of the information contained in this website release is a recommendation for investment in any securities. Testimonials may not be representative of the experience of other investors and are not indicative of future performance or success.

Finova holds licenses in the following states:

Arizona
NFH Arizona, LLC
Sales Finance Company
0936922

California
NFH California LLC
Consumer Finance Lender
60DBO-61331

Florida
Finova Financial LLC
Consumer Finance Company
CF9901096

New Mexico
NFH New Mexico, LLC
Small Loan Company
02077

South Carolina
NFH South Carolina, LLC
Supervised Lenders License
S-8588

Tennessee
NFH Tennessee, LLC
Title Pledge Lender
2672

Questions?

Consumer Hotline:
1-844-576-0862
Toll free. Available 24/7

Consumer Email:
info@finovafinancial.com

Finova Financial, LLC
4521 PGA Blvd, Suite 226,
Palm Beach Gardens, FL, 33418

Terms and Conditions Apply. FINOVA RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet Finova's underwriting requirements. A borrower cannot be an active-duty service member of the U.S. Armed Forces (or a covered dependent under the Military Lending Act). Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and terms are subject to change at any time without notice and are subject to state restrictions.

To check the rates and terms you qualify for, Finova conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.

Finova is an equal opportunity lender.

Notices for Customers in Florida

Finova operates as “Finova Financial LLC” in Florida and enters into transactions as a Consumer Finance Company under the Florida Consumer Finance Act. Finova is licensed and regulated by the Florida Office of Financial Regulation and the Florida Department of Financial Services. Finova’s license number is CF9901096.

The payment schedule for a loan in Florida is 12 to 24 months.

Interest on the loan is charged at Daily Rates that depend on the unpaid Amount Financed/Principal Amount, as follows:

Unpaid Amount Financed Daily Rate Corresponding Annual Rate
First $3,000 0.08219178% 30%
Next $1,000 0.06575342% 24%
Remainder 0.04931507% 18%

Finova charges a fee for any documentary excise tax and lawful fees, actually and necessarily paid out by Finova to any public officer for filing, recording, or releasing in any public office any instrument securing the loan.

Finova charges a Filing Fee Payable to a Public Official of $75.

Finova charges a Credit Investigation Fee of $25 at the time of first payment.

Finova requires that you provide Finova with proof that you have comprehensive and collision insurance on your vehicle, with a deductible of $500 or less, through a properly licensed insurer. Such insurance must be reasonably acceptable to Finova, name Finova as loss payee, and show proof the policy is paid through the maturity date of the loan. In the event that you do not provide adequate proof of such insurance, you must obtain Finova’s Voluntary Debt Cancellation Addendum. YOU ARE UNDER NO OBLIGATION TO OBTAIN FINOVA’S VOLUNTARY DEBT CANCELLATION ADDENDUM FROM FINOVA FINANCIAL, LLC.

Notices for Customers in Tennessee

Finova operates as “NFH Tennessee, LLC” in Tennessee and enters into transactions as a Title Pledge Lender under the Tennessee Title Pledge Act. Finova is licensed and regulated by the Tennessee Department of Financial Institutions. Finova’s license number is 2672.

The finance charge for the original 30-day term of the loan is comprised of interest at the rate of 2% per 30-day period plus a fee not to exceed 1/5th of the Amount Financed. Finance charges shall continue to accrue on the outstanding principal balance at a rate not to exceed 2% interest per 30-day period plus a fee not to exceed 1/5th of the outstanding principal balance for each renewal period.

Finova requires that you provide Finova with proof that you have comprehensive and collision insurance on your vehicle, with a deductible of $500 or less, through a properly licensed insurer. Such insurance must be reasonably acceptable to Finova, name Finova as loss payee, and show proof the policy is paid through the maturity date of the loan.

Notices for Customers in South Carolina

Finova operates as “NFH South Carolina, LLC” in South Carolina and enters into transactions under the South Carolina Consumer Protection Code – Loans. Finova is licensed and regulated by the Consumer Finance Division of the South Carolina Board of Financial Institutions. Finova’s license number is S-8588.

The payment schedule for a loan in South Carolina is 12 to 24 months.

Interest is charged at Daily Rates that depend on the unpaid Amount Financed from time to time, consistent with the rates filed and posted pursuant to Section 37-3-305 of the South Carolina Code of Laws.

Finova charges a Filing Fee Payable to a Public Official of $15.

Finova charges an Application Fee of $25.

Finova requires that you provide Finova with proof that you have comprehensive and collision insurance on your vehicle, with a deductible of $500 or less, through a properly licensed insurer. Such insurance must be reasonably acceptable to Finova, name Finova as loss payee, and show proof the policy is paid through the maturity date of the loan. In the event that you do not provide adequate proof of such insurance, you must obtain Finova’s Voluntary Debt Cancellation Addendum. YOU ARE UNDER NO OBLIGATION TO OBTAIN FINOVA’S VOLUNTARY DEBT CANCELLATION ADDENDUM FROM FINOVA FINANCIAL, LLC. THIS COVERAGE IS FOR THE BENEFIT OF THE CREDITOR. IT WILL NOT REIMBURSE YOU FOR DAMAGES TO YOUR VEHICLE, BUT IT MAY PAY THE CREDITOR FOR THE DAMAGES IF YOU CANNOT PAY. YOU HAVE THE RIGHT TO PURCHASE INSURANCE THAT WILL REIMBURSE YOU FOR DAMAGES TO YOUR VEHICLE EITHER THROUGH THE CREDITOR IF OFFERED BY THE CREDITOR OR THROUGH YOUR OWN AGENT.

The South Carolina Board of Financial Institutions publishes a pamphlet “Consumer Loans: Your Rights and Responsibilities.” That pamphlet may be found here: http://www.consumer.sc.gov/business/Documents/LenderRhtsResp.pdf

Notices for Customers in New Mexico

Finova operates as “NFH New Mexico, LLC” in New Mexico and enters into transactions as a Small Loan Company under the applicable sections of Chapter 58 of the New Mexico Statutes. Finova is licensed and regulated by the New Mexico Financial Institutions Division. Finova’s license number is 02077.

The payment schedule for a loan in New Mexico is 12 to 24 months.

Interest on the loan is charged as simple interest on the unpaid Amount Financed at a Daily Rate of ____% and that corresponds to an Annual Rate of 30%.

Finova charges a Filing Fee Payable to a Public Official of $32.

Finova charges an Application Fee of $25.

Finova requires that you provide Finova with proof that you have comprehensive and collision insurance on your vehicle, with a deductible of $500 or less, through a properly licensed insurer. Such insurance must be reasonably acceptable to Finova, name Finova as loss payee, and show proof the policy is paid through the maturity date of the loan. In the event that you do not provide adequate proof of such insurance, you must obtain Finova’s Voluntary Debt Cancellation Addendum. YOU ARE UNDER NO OBLIGATION TO OBTAIN FINOVA’S VOLUNTARY DEBT CANCELLATION ADDENDUM FROM FINOVA FINANCIAL, LLC.

Notices for Customers in Arizona

Finova operates as “NFH Arizona, LLC” in Arizona and enters into transactions as a Sales Finance Company under the Arizona Motor Vehicle Time Sales Disclosure Act. Finova is licensed and regulated by the Arizona Department of Financial Institutions. Finova’s license number is 0936922.

The payment schedule for a loan in Arizona is 12 to 24 months.

Interest is charged at Daily Rates that depend on the unpaid Amount Financed from time to time, consistent with the following maximum rates permitted by Arizona law:

Finova charges a Filing Fee Payable to a Public Official of $8.

Finova charges an Application Fee of $25.

Finova charges a Credit Investigation Fee of $25.

Finova requires that you provide Finova with proof that you have comprehensive and collision insurance on your vehicle, with a deductible of $500 or less, through a properly licensed insurer. Such insurance must be reasonably acceptable to Finova, name Finova as loss payee, and show proof the policy is paid through the maturity date of the loan. In the event that you do not provide adequate proof of such insurance, you must obtain Finova’s Voluntary Debt Cancellation Addendum. YOU ARE UNDER NO OBLIGATION TO OBTAIN FINOVA’S VOLUNTARY DEBT CANCELLATION ADDENDUM FROM FINOVA FINANCIAL, LLC.

Notices for Customers in California

Finova operates as “NFH California LLC” in California and enters into transactions as a Consumer Finance Lender under the California Finance Lenders Law. Finova is licensed and regulated by the California Department of Business Oversight. Finova’s license number is 60DBO-61331.

The payment schedule for a loan in California is 12 to 24 months.

For loans in the principal amount of less than $2,500, Finova will not charge an amount exceeding the sum of the following:

Finova charges a Filing Fee Payable to a Public Official of $45.50.

Finova requires that you provide Finova with proof that you have comprehensive and collision insurance on your vehicle, with a deductible of $500 or less, through a properly licensed insurer. Such insurance must be reasonably acceptable to Finova, name Finova as loss payee, and show proof the policy is paid through the maturity date of the loan. In the event that you do not provide adequate proof of such insurance, you must obtain Finova’s Voluntary Debt Cancellation Addendum. YOU ARE UNDER NO OBLIGATION TO OBTAIN FINOVA’S VOLUNTARY DEBT CANCELLATION ADDENDUM FROM FINOVA FINANCIAL, LLC.

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