Last Updated: September 2026
By submitting your vehicle request through GetKarr, you acknowledge and agree to the following:
You authorize GetKarr to share your submitted information with:
This sharing is necessary to evaluate your eligibility and secure vehicle financing or approval options on your behalf.
By submitting your request — and, to the maximum extent permitted by applicable U.S. federal law, simply by accessing or using this website — you expressly and voluntarily authorize GetKarr and its participating dealerships, lenders, and financial partners (collectively, the "Authorized Parties") to do the following for the purpose of evaluating your vehicle financing eligibility:
This authorization is required to determine financing eligibility and is given voluntarily. Where a lender's guidelines require it, the Authorized Parties are permitted to obtain both a soft pull (for pre-qualification) and a subsequent hard pull (for formal credit adjudication) on the same file, and you consent to both. This authorization remains valid from the time you access or submit through this site until your financing is completed, your application expires or is withdrawn, or you withdraw consent in writing. A copy of this authorization may be relied upon by participating lenders as your written consent to pull a full credit report.
Your consent is provided in accordance with, and the Authorized Parties' use of your credit information is limited by, applicable U.S. federal law, including the Fair Credit Reporting Act (FCRA, 15 U.S.C. § 1681 et seq.), the Gramm-Leach-Bliley Act (GLBA), the Equal Credit Opportunity Act (ECOA, 15 U.S.C. § 1691 et seq.), and the Telephone Consumer Protection Act (TCPA), as well as the consumer-reporting and privacy laws of the state in which you reside. You have the right to access, correct, or request the source of your credit information and may withdraw this consent in writing at any time, subject to the obligations of lenders who have already relied on it.
Nothing in this section limits any other right or authorization available to the Authorized Parties under applicable U.S. federal or state law. If any provision is found unenforceable, the remainder continues in full force and effect.
For the specific, sensitive act of pulling your credit file — which may affect your credit score — we do not rely on "browse-wrap" (passive consent from merely visiting this site). Instead, at the moment you submit your application the form requires an affirmative, unambiguous clickwrap act: a consent checkbox that is never pre-checked, is displayed immediately above the submit button, and displays text reading (or substantially reading) "I authorize GetKarr and its lending and dealership partners to obtain my credit report, including soft and hard inquiries, to evaluate my financing eligibility." That box must be actively checked by you for the submission to proceed. No credit inquiry is requested, and no consent is inferred, from your presence on the site, scrolling, navigation, or passive browsing alone — only from that active click tied to that specific submission.
This means the authorization on this page is layered: the general terms above describe what you are authorizing, and the checkbox on the form captures your binding consent to that authorization at the precise moment of submission. If you do not check the box, your application is not submitted and no credit pull occurs.
To make your consent verifiable and defensible — and to satisfy lender and credit-bureau audit requirements — at the moment you submit we create and securely retain a consent record tied to that specific application. The record includes, at minimum: the exact consent statement text displayed to you at that submission, your name and contact details, the date and time (timestamp, UTC) of your consent, your IP address, your browser user agent, the unique application or session identifier the consent is bound to, and the version of these Legal Agreements in effect at that time. This record is retained as evidence of your affirmative clickwrap consent and is available to you and to participating lenders upon request.
If a participating lender uses information from your credit file in whole or in part to decline your application, offer less-favorable terms, or take any adverse action, you have the right under the FCRA to be notified and to obtain a free copy of the report relied upon, together with a statement of the reasons, directly from the consumer reporting agency that supplied the report (e.g., Equifax, Experian, or TransUnion). If you are declined or offered adverse terms and wish to exercise this right, contact us at info@getkarr.com and, where required by law, we will provide (or direct you to) the name and address of the reporting agency and the steps to obtain your report so you may verify its accuracy and dispute any incorrect information before it is used again.
You also retain the broader rights available to you under the FCRA and applicable state consumer-protection statutes to access, correct, and request the source of personal and credit information held about you, and to withdraw this consent in writing at any time — subject to the lawful obligations of lenders who have already relied on your consent.
You agree that GetKarr and its partners may contact you regarding your vehicle request via:
You understand that multiple partner dealerships or lenders may contact you to assist with completing your vehicle approval or offer. Consent is not a condition of purchase.
Message and data rates may apply. You may opt out of SMS by replying STOP at any time.
Submitting your information does not guarantee:
Final decisions are made by third-party lenders and dealerships.
Your information is used solely for:
We do not sell your personal information to unrelated third parties.
By accessing, browsing, or using this website in any way — whether or not you submit an application — you acknowledge that you have read, understood, and agree to be bound by these Legal Agreements, our Privacy Policy, and our Terms & Conditions, as amended from time to time. Your continued use of the site constitutes your acceptance of these agreements.
To the maximum extent permitted by applicable law, by visiting or using this site you agree that GetKarr, its officers, directors, employees, agents, affiliates, participating dealerships, lenders, and financial partners shall not be liable to you for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, data, or financing opportunities, arising out of or relating to your use of the site, your submission of information, or the credit inquiries and disclosures authorized above — whether based on contract, tort (including negligence), statute, or any other legal theory — even if GetKarr has been advised of the possibility of such damages.
To the extent permitted by applicable U.S. federal and state consumer-protection and privacy law, you agree to release and hold the Authorized Parties harmless from any claims, demands, causes of action, or liability arising out of the credit inquiries (soft or hard), verification of employment and income, and information sharing authorized in this Agreement. Nothing in this section excludes or limits any liability or consumer right that cannot be excluded or limited under applicable law (including rights under the FCRA and state consumer-protection statutes).
You agree that, to the maximum extent permitted by law, any dispute, claim, or controversy arising out of or relating to this site, your use of it, or the credit and information authorizations above shall be governed by and construed in accordance with applicable U.S. federal law and, to the extent not preempted by federal law, the laws of the state in which you reside, without regard to its conflict-of-laws principles, except where a state consumer-protection statute requires otherwise.
By proceeding with your submission and accepting the site's consent checkbox, you confirm that:
If you do not agree with any part of these Legal Agreements, you must not access or use this website or submit any request.
Questions about this agreement?
Contact us at info@getkarr.com