You received this offer because you met certain criteria for creditworthiness. We may not extend credit to you if, after receiving your application, we find that you do not continue to meet the criteria used to select you or we may not extend credit to you if you do not meet any applicable criteria bearing on your creditworthiness established prior to your selection. Usage of your Personal Offer Code is required in order to receive this special offer. Annual Percentage Rates (APR) range from 2.92% (AAA) to 4.99% (DD+). To qualify for an AAA Beneficial Rating, you must have excellent credit and meet other conditions. Sample annual percentage rates are for illustrative purposes and actual annual percentage rates range from 2.92% (AAA) to 4.99% (DD+) based on a proprietary scoring system. Account Approval is subject to Beneficial Funding’s approval including but not limited to: Application review, verification of your credit history, credit score, monthly expenses, identity verification and employment and income verification. The creditor for all accounts will be Beneficial Funding.