Privacy Policy

This Privacy Policy governs the manner in which EZ Credit Center collects, uses, maintains and discloses information collected from users (each, a “User”) of the website (“Site”). This privacy policy applies to the Site and all products and services offered by EZ Credit Center. Personal identification information We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities. Non-personal identification information We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information. Web browser cookies Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly. How we use collected information EZ Credit Center may collect and use Users personal information for the following purposes:

  • – To improve customer service Information you provide helps us respond to your customer service requests and support needs more efficiently.
  • – To personalize user experience We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
  • – To improve our Site We may use feedback you provide to improve our products and services.
  • – To run a promotion, contest, survey or other Site feature To send Users information they agreed to receive about topics we think will be of interest to them.
  • – To send periodic emails We may use the email address to respond to their inquiries, questions, and/or other requests. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.

How we protect your information We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. Sharing your personal information We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission. Changes to this privacy policy EZ Credit Center has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications. Your acceptance of these terms By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes. Contacting us If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us: Contact Us

You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll free

1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE on reverse side for more information about prescreened offers.

† Not in conjunction with the offer of credit made by GBA. *See reverse side for Terms and Conditions of this offer.


This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria including providing acceptable collateral. If you do not want to receive prescreened offers of credit from this or any other companies, call the consumer reporting agencies toll-free, 1-888-567-8688 or visit the website at www.optoutprescreen. com; or write TransUnion Opt-Out Request PO Box 505, Woodlyn, PA 19094- 0505, Equifax Options, P.O. Box 740123 Atlanta, GA 30374, Experian

Information Systems, Inc., P.O. Box 919, Allen, TX 75013


ABOUT YOUR FIRM OFFER: You have been prescreened for an offer of automotive financing through GBA. This offer of credit is extended because you meet certain criteria used by the lender.

ABOUT GBA: Granite Bay ACCEPTANCE (GBA) is a nationally recognized lender specializing in originating loans with franchise and independent automobile dealerships. GBA provides lending options for purchase and refinance. To learn more about Granite Bay Acceptance, please visit us at

REQUIREMENTS: In order to qualify for a loan from Granite Bay Acceptance Inc. (GBA) you must continue to meet the credit criteria used to select you for this offer. You will also be subject to the following minimum credit requirements for final approval. You must be 21 years of age or older with a monthly income of $2,150. Your monthly payment may not exceed 20% of your gross monthly income and 45% of your monthly debt. You cannot currently be in foreclosure on your real estate or mortgage loans, be in open bankruptcy, or have financed a vehicle with GBA in the last 6 months.

To be eligible applicants cannot have had your vehicle(s) repossessed in the past 12 months. You will certify that all the information you provide on your application will be true and correct. GBA assumes no responsibility for incorrect information provided by the various credit reporting agencies.

A down payment may be required.

OFFER AND FINANCING: GBA will provide financing to all qualified consumers and a guaranteed approval for a minimum amount of $5,500 to $39,000 depending on vehicle chosen, at a simple interest rate of 18.99% APR (Annual Percentage Rate) or max state usury rate (whichever is higher); For example, for every $1,000 financed @ 18.99% for a period of 60 months your payment will be an estimated $25.94 therefore if you finance $16,000 @ 60 months, your payment will be an estimated $414.96 on a new or pre-owned 2010 or newer vehicle with maximum 60,000 miles and a minimum book value of $7500. Minimum contract term of 24 months. See dealer for additional details. For more information about GBA please visit All dealer promotions and incentives are strictly the responsibility of the dealer and are not in any way connected to the financing offer from GBA.