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General information

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Contact Information

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Identification

At this time we only can accept a valid state driver's license as proof of Identification.

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Income Verification

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Income Details

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ECOA Disclosure
Last Updated: May 10, 2017

The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (with certain limited exceptions); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this company is the Federal Trade Commission, Pennsylvania and 6th Street N.W., Washington, DC 20580​ Explore Credit is in compliance with the Equal Credit Opportunity Act and so, alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered as a basis for repaying this obligation. Link to PDF file:

https://application.explorecredit.com/src/docs/ECOA-Disclosure.pdf
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Employer Information

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Banking Information

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Bank Account Details

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We use your bank information as just another tool to find out the best possible short-term loans we can provide to you. Your information is strictly confidential, and will never be used for anything beyond your route to approval.

Final Authorization

We're almost done!

Please review the following disclosures. At the bottom of the page, check 'yes' to agree and submit your application.

Privacy Policy
Last Updated: June 15, 2023

WLCC Lending JEM D/B/A Explore Credit ("we," "us," or "our") respects your privacy and knows that you care about protecting your personal information. This privacypolicy identifies what information we collect from you when you access or use www.ExploreCredit.com (the "Site", including all subdomains), the services made available on and/or through the Site (the "Services"), and explains how we may use or share that information.

Link to PDF file:

https://explorecredit.com/src/docs/Privacy-Policy-Explore.pdf
Terms of Use
Last Updated: October 2, 2020

1. Acceptance of These Terms​ Welcome! This website, www.explorecredit.com (the "Site," including all subdomains), is a copyrighted work belonging to WLCC Lending JEM D/B/A Explore Credit (“Explore Credit,” "we," "us," and "our"). These terms of service (the "Terms") govern each user’s access to and use of the services such as but not limited to online borrower accounts, loan applications, blog, and financial education materials available on this Site (the "Services"). We manage the collection, use, and security of information of each user of the Site ("you" and "your") according to our Privacy Policy, incorporated herein by reference.
Link to PDF file:

https://application.explorecredit.com/src/docs/Terms-of-use-Explore.pdf
Electronic Disclosure
Last Updated: October 9, 2020

Please read this WLCC Lending JEM D/B/A Explore Credit (“Explore Credit”) eSign Agreement (“Agreement”) carefully and retain a copy for your records. This Agreement applies to all disclosures, agreements, statements, notices and other documents related to your loan including, but not limited to, any documents relating to your loan (“Documents”).

This Agreement will be effective until you tell us that you no longer want to receive Documents electronically by sending us notice in the manner described in Section 4 below.

Link to PDF file:

https://application.explorecredit.com/src/docs/Electronic-Disclosure-Explore.pdf
Credit Pull Authorization
Last Updated: October 9, 2020

I authorize WLCC Lending JEM D/B/A Explore Credit (“Explore Credit”) to obtain credit reports from one or more consumer credit reporting agencies in connection with an application for an extension of credit or at any other time in Explore Credit’s sole discretion during the term of my loan. Explore Credit may use the credit reports for any lawful purpose, including but not limited to (i) for authentication purposes, to make sure I am who I say I am; (ii) to make credit decisions; (iii) for internal modeling and analysis purposes; (iv) to obtain and display information and characteristics from my credit report to potential investors; and (v) to market products or services to me. I authorize Explore Credit to verify information in my credit report, and I agree that Explore Credit may contact third parties without further notice to me to verify any such information. You agree to provide additional financial information upon request and for us to obtain any financial information regarding your loan through third party vendors. Upon your request, Lender will inform you whether a credit report was requested and, if so, the name and address of the consumer reporting agency that furnished the credit report.

Requests can be made to [email protected] or in writing to: WLCC Lending JEM D/B/A Explore Credit P.O. Box 260269, Atlanta, GA 30326.

Link to PDF file:

https://application.explorecredit.com/src/docs/Authorization-Obtain-Credit-Report-Explore.pdf

Agree and Submit

By submitting this application, you expressly consent to the following:
  1. Contact Authorization:
    I authorize Explore Credit and its agents, representatives, and service providers to contact me at the telephone number(s) and email address(es) provided in my application.
  2. Autodialer and Pre-Recorded Messages:
    I understand that such contact may include calls or text messages sent using automated dialing technology or pre-recorded/artificial voice messages for the purposes of processing my application, servicing my account, marketing, or other related purposes.
  3. Message Frequency and Opt-Out:
    Standard messaging rates may apply. I understand that I can opt out of receiving future communications by replying “STOP” to any text message or contacting Explore Credit directly.
  4. No Condition of Consent:
    I understand that providing this consent is not a condition of purchasing any goods or services.
  5. Affirmative Consent:
    By checking this box and clicking “Submit,” I acknowledge that I have read, understood, and agree to the above terms.
By submitting this form, you certify that all information is accuarate and you agree to our Privacy Policy, Terms of Use, Electronic Disclosure, and Credit Pull Authorization.