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State Disclosures

Last updated: May 22, 2026 · DRAFT

PathCredit lending products are originated by Vector Ventures (NMLS #XXXXXX) and are subject to state-specific licensing, fee caps, rate caps, and other lending requirements. Below is a summary of state-by-state disclosures. This is placeholder content pending legal review. Always rely on the loan agreement we provide before you accept any offer for the binding terms applicable in your state.

States Where We Lend

PathCredit currently offers personal lines of credit in the following states: [TO BE FINALIZED]. Loans are not available where prohibited.

License Numbers

State-Specific Disclosures

California

Loans made or arranged pursuant to a California Financing Law license. Rates, terms, and conditions are subject to credit approval. Equal Housing Lender.

Florida

Subject to Florida Consumer Finance Act. Maximum APR and fees governed by Florida Statutes Chapter 516. Any complaints may be directed to the Florida Office of Financial Regulation.

Texas

Loans subject to the Texas Office of Consumer Credit Commissioner. For complaints contact OCCC at 2601 N. Lamar Blvd., Austin, TX 78705-4207, or 800-538-1579.

New York

[State-specific disclosure pending finalization.]

Pennsylvania

[State-specific disclosure pending finalization.]

Military Lending Act (MLA)

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Equal Credit Opportunity Act (ECOA)

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 the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.

Fair Credit Reporting Act (FCRA)

We may obtain credit reports about you from consumer reporting agencies in connection with your application or account. You have rights under the FCRA to access and dispute information in your credit file. For more information, visit consumerfinance.gov.

USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Complaints

To file a complaint, contact us at complaints@pathcredit.com or by mail at the address below. You may also contact your state regulator or the Consumer Financial Protection Bureau (consumerfinance.gov/complaint).

This is placeholder copy pending review by qualified legal counsel and state regulators. The actual state disclosures applicable to your loan will be provided in the loan agreement we send before you accept any offer.