Terms of Service

Last modified: March 15, 2024

  • What You Need to Know
  • Zero-Interest Business Credit
  • Your Options
  • Important Considerations
  • Our Refund Policy

Here at PLFIRST, we strive to provide you with the best possible service as we build your business credit up to $250,000 at 0% interest. It’s important to understand that while we make every effort to achieve these amounts, your personal credit score and history play a significant role in the results. By law, we cannot guarantee the exact credit amount offered to you, regardless of prequalification.

What You Need to Know

  • All accounts are subject to lender approval based on credit criteria.
  • The $50,000 to $250,000 business credit range is for highly qualified clients over the membership term with multiple credit batches and/or lines.
  • Introductory rates of 0% apply to purchases and/or balance transfers, after which they revert to varying interest rates as disclosed by the lender. PLFIRST is not a lender.

Zero-Interest Business Credit

Clients should be aware that zero-interest business credit is tied to their personal credit history and scores. Factors such as high debt levels, negative banking history, or credit issues may result in receiving less zero-interest credit initially and potentially during the membership.

Your Options

  • If you find that you do not qualify for immediate zero-interest funding based on your creditworthiness, you may inform your consultant within the first 60 days of signing up with PLFIRST.
  • We offer a 60-calendar day, money-back guarantee on our core consulting program to build confidence in our services.

Important Considerations

We want to ensure your success, and to do so, we ask that you:

  • Follow the instructions provided by the PLFIRST team diligently.
  • Refrain from working with other credit-building or credit repair companies while under our service.
  • Avoid applying for additional credit during our work together.
  • Understand that once services are rendered, such as credit gained or utilizing complimentary services, refunds will not be issued.

Our Refund Policy

Should you need to request a refund, please adhere to our Terms of Service and Cancellation Process outlined in the detailed Cancellation Policy and Process below.

We strongly advise against actions that may hinder our ability to assist you effectively. Requesting a refund once the applications or negotiations process begins can halt progress and have a negative impact on your future credit standing and results.

At PLFIRST, we are dedicated to your financial success, and we are here to guide you every step of the way.