Terms of Use

Last updated October 8, 2026

By using this website you agree to these terms. If you don't agree, please don't use the site.

What this site is

My Auto Credit is a marketing program that connects people with participating automotive dealerships. It is not a lender or a broker. It doesn't make credit decisions, and it doesn't arrange, negotiate or guarantee financing. Nothing on this site is an offer of credit or a commitment to lend.

Financing

Any financing is provided by third-party lenders through the dealership. Approval, rates, down payment and terms depend on your complete credit application, verification of the information you provide, the vehicle you choose and each lender's criteria. Not everyone will qualify. Sending a credit application on this site means the dealership and its lenders will consider it — not that it will be approved.

The credit application

The credit application is optional. When you send it, you authorize the dealership named on your invitation, and the lenders and other financing sources it submits your application to, to obtain your consumer credit report. That is a hard inquiry, which will appear on your credit report and may affect your credit score. Entering your Invitation Code and contact details alone does not check your credit. You may withdraw your authorization before your report is obtained by contacting the dealership.

Your information

You agree that the information you submit is accurate and is your own, and that you are 18 or older. How it is handled is described in our Privacy Policy.

Text messages

If you agree to receive texts, the dealership named on your invitation may text you about your invitation and credit application. Message and data rates may apply; message frequency varies. Reply STOP to opt out at any time. Consent is not a condition of purchase.

Invitation Codes

Invitations are personal and are limited to the dates printed on them. Don't attempt to guess or use Invitation Codes that aren't yours; we may block access that looks automated or abusive.

No warranties

The site is provided "as is". To the fullest extent allowed by law, we disclaim all warranties and are not liable for indirect or consequential damages arising from your use of the site.

Questions and requests

For questions about your invitation or these terms, or to make a request about your information, email support@updash.com.

Changes

We may update these terms. The date at the top shows when they last changed.