Lewis and Clark has partnered with UNIFY Financial Credit Union to give customers the best financing available. Apply online and get approval within minutes for the introductory special - 0% APR* Interest for 24 Months.
If you are approved, you will receive 0% annual percentage rate for 24-month financing on your first 30 days of purchases. After 30 days, purchases on your UNIFY Engage Rewards Visa will be adhere to the rate you qualify for.
Once you are pre-qualified, a UNIFY team member will reach out to you to complete your application with the required documents and will also discuss your ongoing rate after the special offer expires, when you will receive your card, and other loan related details.
Your pre-qualification is valid for 30 days from the date you receive your pre-qualification offer.
A UNIFY team member will work with you to discuss why you were not approved.
No. This will not harm your credit score. UNIFY will show you the credit amount and annual percentage rate you qualify for BEFORE you apply.
A soft inquiry normally occurs when a lender is considering qualifying you for an offer. Soft inquiries are only seen by you and the credit bureau on your credit report. This does not impact your credit score. A hard inquiry typically occurs when you apply for credit from a lender, such as for a credit card, mortgage, or other loan. Hard inquiries can be seen by other lenders and can affect your credit score.
No. To receive the offer that you are pre-qualified for, you will still need to open a UNIFY membership and apply for the credit card. By doing so we are able to fully analyze and verify your income, etc. A UNIFY team will reach out to you and confirm your information in order to fulfill your offer.
*APR = Annual Percentage Rate. This information is accurate as of December 1, 2022 and subject to change without notice. Introductory 0% APR is the lowest possible for well-qualified borrowers. 0% APR offer applies to eligible purchases made from Lewis and Clark Outfitters with your UNIFY Engage Rewards Visa Credit Card within the first 30 days of account opening. Introductory APR is fixed for the first 24 billing cycles following the eligible purchase date. Beginning with the 25th billing cycle, any unpaid balance will revert to your contracted variable APR for purchases, which is established at account opening based on your creditworthiness. Current variable APR range is 14.74% - 17.99%. APR will vary based on the Prime Rate Index, which is the highest prime rate published in the Wall Street Journal on the last business day of each month. As of December 1, 2022, the Prime Rate is 7.00%. The margin on your Engage Rewards Visa credit card will range from 7.74% - 14.24% and is based on your creditworthiness at account opening. The maximum APR is 18.00%. Promotional offer may end at any time without notice and may not be combined with any other offer. All credit cards are subject to credit approval and UNIFY membership is required, which includes establishing a membership share of at least $5. Qualification for credit is based on borrower’s credit history, debt to income ratio and the ability to repay. There may be fees and charges associated with the use of all UNIFY Visa Credit Cards. Phone 877.254.9328, available 24/7 or visit UnifyFCU.com for additional product information.