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Important information

• Advertising Review:

  BBB sent correspondence to Jesses Joyrides, LLC on June 20, June 27, and July 9, 2024 requesting substantiation for advertised claims in all advertising and marketing materials to include the Facebook page https://www.facebook.com/photo/?fbid=240147918516675&set=a.183074287557372.
  
  To date, the business has not responded to our request.
  
  The cover photo on the Facebook page, as well as other posts states “EVERYONE IS APPROVED”. BBB requested more information regarding this offer and asked the following questions: 
  
  Are all consumers actually approved for a loan no matter their credit worthiness?
  
  Does the interest rate charged appreciably exceed those of customers with better credit?
  
  According to BBB’s Code of Advertising:
  
  1. Basic Principles of the Code
  1.1 The primary responsibility for truthful and non-deceptive advertising rests with the advertiser. Advertisers should be prepared to substantiate any objective claims or offers made before publication or broadcast. Upon request, they should present such substantiation promptly to the advertising medium or BBB.
  1.2 Advertisements which are untrue, misleading, deceptive, fraudulent, falsely disparaging of competitors, or insincere offers to sell, shall not be used.
  1.3 An advertisement as a whole may be misleading by implication, although every sentence separately considered may be literally true.
  1.4 Misrepresentation may result not only from direct statements, but by omitting or obscuring a material fact.
  
  16.6 “Easy credit”
  16.6.1 The terms “easy credit,” “easy credit terms,” “liberal credit terms,” “easy pay plan” and other similar phrases must be used only when:
  Consumer credit is also extended to consumers whose ability to pay or credit rating is below typical standards of credit worthiness;
  The finance charges and annual percentage rate do not appreciably exceed those charged to consumers who meet generally accepted standards of credit worthiness; and
  The consumer is dealt with fairly on all conditions of the transaction, including the amount of the down payment, the period of repayment and the consequences of a delayed or missed payment.
  16.7   “No credit rejected”
  16.7.1 The words “no credit rejected,” “guaranteed financing,” “all credit applications accepted” or words of similar import can imply that consumer credit will be extended to anyone regardless of the consumer's credit worthiness or financial ability to pay. They must only be used when all credit requests are approved.