This loan is intended to help with immediate, short-term cash needs and is not designed to address long-term financial challenges. Refinancing or renewing a loan may result in additional charges.
We encourage all borrowers to:
The cost of credit will be clearly disclosed in accordance with federal Truth in Lending laws and regulations. Your loan agreement will specify:
We do not charge hidden fees. All charges and fees will be fully disclosed in your loan agreement.
If you change your mind after receiving your loan, you may rescind the loan without charge by returning the loan proceeds within the timeframe specified in your loan agreement.
Late payments are regulated by the Arizona Department of Insurance and Financial Institutions.
Pursuant to Arizona Revised Statutes §44-6002:
Additional fees for returned payments due to non-sufficient funds (NSF) may apply as disclosed in your loan agreement.
Failure to make payments according to your loan agreement may result in repossession and sale of the vehicle used as collateral. Additional charges may apply.
Our priority is to work with customers whenever possible to help them successfully repay their loans and avoid repossession.
If an unsecured loan becomes delinquent and is charged off due to non-payment, the account may be subject to collection efforts or legal action as permitted by law and outlined in the loan agreement.
A judgment may be sought for the unpaid balance, applicable interest, court costs, attorney fees, wage garnishment, or other remedies available under applicable law.
Personal Loan Terms
There are no origination or maintenance fees associated with personal loans. Returned payment (NSF) fees may apply when a payment is returned by your financial institution.
Personal loans are generally written for terms of 6 to 9 months and are repaid through:
Most personal loans are installment loans, meaning that if payments are made as agreed, the loan will be paid in full at the end of the scheduled term.
Customers experiencing financial hardship may have options available, including:
Approval of renewal or refinancing options is subject to lender review and applicable laws.
Vehicle Title Loan Terms
Vehicle title loan rates are governed by Arizona law. Depending on the negotiated terms and customer qualifications, APRs may vary.
Specific rates and finance charges will be disclosed in your loan agreement before you accept the loan.
Vehicle title loans are generally written for terms of 6 to 24 months and are repaid through:
Most title loans are installment loans that amortize over the scheduled repayment period.
Borrowers in good standing may qualify for:
Renewal eligibility is determined based on payment history, equity position, and underwriting guidelines.
Responsible Renewals and Refinancing
Installment loans do not require repayment in a single lump-sum payment like traditional payday loans.
Borrowers may:
We strongly encourage principal reduction and early repayment whenever possible to minimize borrowing costs.
Compliance with Laws
We maintain strict compliance with applicable federal and state lending laws, including but not limited to:
Privacy Policy
We respect your privacy and comply with all applicable federal and state privacy laws. Please review our Privacy Policy for information regarding the collection, use, and protection of your personal information.
Contact Information
We provide multiple ways to contact us, including:
We strive to respond promptly to all inquiries and assist customers with any questions regarding their loans or applications.
Please visit our Locations or Contact Us page for assistance.