Perch Loans | Online Loans & More

Perch Loans is temporarily not offering new loans.

If you are an existing customer, please login to manage your account.

Marketing Text Message Consent Form

Effective Date: June 2014

Text Message Policy

When you provide us your cell phone number and opt in to our text messaging program, you have provided us with express consent to send you text messages about your loan, such as payment reminders along with marketing messages about other services we offer, including special offers you may be eligible for. Your cellular provider's message and data rates may apply to our confirmation message and all subsequent messages. We do not charge you for any text messages we send you.

You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. Please notify us immediately if you change mobile numbers or plan to provide your phone to another person.

If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time. If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us using the following information: Chirp@email.perchloans.com or {{ appObject.applicationViewModel.CompanyPhone }}.

By opting in, you agree and expressly consent to be contacted by us, our agents, employees, and/or affiliates through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including with the use of automatic telephone dialing systems, auto dialers, or an artificial or prerecorded voice.

Opt-out or STOP

If you wish to stop receiving marketing text messages from us, reply to any marketing text message we have sent you with STOP. If you wish to stop receiving account maintenance text messages from us, such as payment reminders, reply to any account maintenance text message we have sent you with STOP. If you wish to stop receiving all text messages from us, type STOP ALL in the reply text you send us. Your stop request will become effective within one day.

HELP or SUPPORT

If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type "HELP". Upon receiving your text message, we will send you a text message with our phone number, a link to this policy, and instructions on how to stop text messages. The number of text messages that we send to you per month will depend on your specific account details. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access.

Any information you provide is kept secure and private. See our Privacy Policy.

*Approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are typically funded the morning of the next banking day, but exceptions may apply.

Certain limitations apply. Loans, advance requests, and extension requests subject to approval. If we are unable to verify your application electronically, we may ask you to provide certain documents before final approval.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

This site is protected by reCAPTCHA and the GOOGLE Privacy Policy and Terms of Service apply.

Facts

What does Perch Loans do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Social Security number and income
Transaction history and credit history
Employment information and checking account information

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Perch Loans chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Perch Loans share?

Can you limit this sharing?

Reasons we can share your personal information

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Does Perch Loans share? Yes

Can you limit this sharing? No

For our marketing purposes — to offer our products and services to you

Does Perch Loans share? Yes

Can you limit this sharing? No

For joint marketing with other financial companies

Does Perch Loans share? Yes

Can you limit this sharing? No

For our affiliates' everyday business purposes — information about your transactions and experiences

Does Perch Loans share? Yes

Can you limit this sharing? No

For our affiliates' everyday business purposes — information about your creditworthiness

Does Perch Loans share? Yes

Can you limit this sharing? Yes

For our affiliates to market to you

Does Perch Loans share? Yes

Can you limit this sharing? Yes

For nonaffiliates to market to you

Does Perch Loans share? Yes

Can you limit this sharing? Yes

Mobile Numbers: We will never share your mobile number so that any affiliates or non-affiliates can market to you without your consent. Your mobile number opt in will not be shared or sold for marketing purposes.

To limit our sharing

Mail the form below

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call 1-866-261-5168 or go to https://www.perchloans.com

Mail-in Form

Mark any/all you want to limit:

Do not share information about my creditworthiness with your affiliates for their everyday business purposes.

Do not allow your affiliates to use my personal information to market to me.

Do not share my personal information with nonaffiliates to market their products and services to me.

Name

The customer's first and last name will go in this field. This row is empty, but the text is needed to push the table width.

Address

The customer's address, city, state and zip code will go in this field. This row is empty, but the text is needed to push the table width.

The customer's city, state, and zip code will go in this field. This row is empty, but the text is needed to push the table width.

City, State, Zip

The customer's city, state, and zip code will go in this field. This row is empty, but the text is needed to push the table width.

Customer #

The customer's number ID will go in this field. This row is empty, but the text is needed to push the table width.

Mail to
Perch Loans
Att: Opt Out
P.O. Box 3058
Spartanburg, SC 29304-3058

Who we are

Who is providing this notice?

Perch Loans through its operating entities including Flexible Loans of Delaware, LLC; Flexible Loans of Mississippi, LLC; Flexible Loans of Missouri; LLC Flexible Loans of Wisconsin, LLC

What we do

How does Perch Loans protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Perch Loans collect my personal information?

We collect your personal information, for example, when you:

Apply for a loan or give us your income information
Provide employment information or provide account information
Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only:

Sharing for affiliates' everyday business purposes—information about your creditworthiness
Affiliates from using your information to market to you
Sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

Our affiliates include financial companies operating in various other states under the names Advance America®, Advance America® Cash Advance, Advance America® Cash Advance Centers, National Cash Advance®, Check Advance®, First American Cash Advance®, Purpose Money®, Purpose Financial®, First American Loans®, Express Check Advance®, First American Title Loan®, Anytime Wallet™, and Kickstand Lending™.

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

Non-affiliates we share with can include lenders, collection agencies, consumer reporting agencies, debt buyers, payday lenders, deferred presentment providers, delayed deposit providers, check cashers, credit card companies, money transfer service providers, tax service providers, retailers, database providers, and others.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Our joint marketing partners include lenders, payday lenders, credit card companies, money transfer service providers, tax service providers, and others.