Disclosures

This is a solicitation for a title loan. This is not a guaranteed offer and requires a complete and approved application. Final loan amount subject to vehicle evaluation and inspection. Results and actual loan amounts may vary. Certain limitations apply. This site is affiliated with one or more licensed lenders in Arizona.

An advance of money obtained through an auto title loan is not intended to meet long-term financial needs. These types of loan do help those that need occasional help with short-term financial needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges. If you feel that you are experiencing severe credit difficulties, you should seek the advise of a credit professional.

Anytime you are seeking financial services, you should know the following information before agreeing to a contract:

Identity of the Creditor
Amount Financed
Itemization of Amount Financed
APR
Finance Charge
Total of Payments
Payment Schedule
Prepayment/Late Payment Penalties

If you are unsure of any of the loan terms, then you should ask your lender to clarify the items that you do not understand. The lenders in our network are compliant with all state and federal laws and are dedicated to actively working with customers who need help and assisting them to avoid delinquency.

Potential Implications of Late/Non-Payment

1) Repossession of Vehicle: In Arizona repossession of vehicles is governed by the Chapter 9, Secured Transactions. to Title 47, Uniform Commercial Code, of the Arizona Revised Statutes (ARS), ARS 47-9101 et seq.  The procedures described below assume that the lender has a properly recorded security agreement in the vehicle. If you do not make a loan payment when due, you are in default under the contract.  You may also be in default under the contract if you allow insurance to lapse, or if you fail to perform any other requirement under the contract.  If you default under the contract, the lender can take possession of the vehicle. You are not required to give the vehicle to the lender if the lender has not obtained a court order, but the lender does not have to notify you of its intention to repossess the vehicle.  The lender may sell the vehicle if you are in default.  Proceeds will be used to pay for the expenses of repossession and sale, and then the balance of the loan. If the vehicle is sold for an amount that does not fully cover the expenses and the loan balance, you will still be responsible for the balance due.

2) Lenders may attempt to collect any delinquent amount through standard collection practices, which may include contacting you by phone, text messaging, mail, or email. They may also exercise their rights under the loan or credit services agreements with you.

3) Failure to make payments on your loan may reduce your score with statewide and/or national credit database companies. This could prevent you from receiving credit or other services from another provider that uses such agencies.

 

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