FINANCING SCOPE
Clara Risus, LLC provides consumer financing exclusively for eligible dental treatments offered by Smiles by Mario Montoya. Financing is not available for general personal expenses or treatments provided by other dental practices.
GEORGIA STATE LICENSING DISCLOSURE
Clara Risus, LLC operates as a licensed consumer finance entity in the State of Georgia.
Licensed by the Georgia Department of Banking and Finance.
NMLS ID #2739485
Loans issued by Clara Risus are structured, capped, and regulated pursuant to the rules established under the Georgia Industrial Loan Act (GILA).
EQUAL CREDIT OPPORTUNITY ACT
ECOA NOTICE
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, provided the applicant has the capacity to enter into a binding contract; 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 creditor is:
Federal Trade Commission — FTC
Consumer Response Center
Washington, DC 20580
FAIR CREDIT REPORTING ACT
FCRA DISCLOSURE
By submitting a credit application on this website, you extend an explicit written instruction and authorization to Clara Risus, LLC under the Fair Credit Reporting Act (FCRA) to obtain, review, and evaluate consumer credit reports from one or more national credit bureaus.
This evaluation may be executed via a soft credit pull for pre-qualification calculations or a hard credit pull upon final formal submission for underwriting.