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Important Information


Before applying for an auto title loan from Arizona Auto Lenders, please read the following important information:

Notice to Consumers: An auto title loan is a type of secured loan where the borrower can use their clear vehicle title as collateral. [1] Borrowers who get an auto title loan must allow us as the lender to place a lien on their car title, and temporarily surrender the hard copy of their vehicle title, in exchange for a loan amount. [2] The borrower will be required to sign a loan agreement that tells you the amount you have requested to borrow, the annual percentage rate (APR) for that loan, the amount of interest and fees that may be charged for that loan and the payment terms of the loan. [3] When the loan is repaid, the lien is removed and the car title is returned to the borrower. Auto title loans are intended for short-term financial relief and do not constitute long-term financial solutions. An auto title loan may be one of the more expensive borrowing options available to you. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult the federal, state, and local governments to learn more about the risks involved with auto title loans, local laws and regulations governing auto title loans, possible loan alternatives and recent developments in their state. Consumers with credit difficulties should seek credit counseling.

LOAN RATES

Loan Amount:
APR
$0 - $299
204%
$300- $2499
180%
$2500 - $4999
156%
$5000 & Up
120%

FINANCIAL IMPLICATIONS

Our auto title loans are 30 day interest only loans. If you are unable to repay your loan in a timely manner we may pursue payment through collections which could result in you being responsible for additional legal fees and court costs. If we decide to take action in the form of repossession of the collateral, any such action would be in compliance with all provisions of A.R.S., Title 47, Chapter 9.

COLLECTION PRACTICES

If you are unable to repay your loan, collections efforts will begin immediately. Collections practices are subject to the Fair Debt Collection Practices Act. Debt collection efforts may include the following: telephone calls to your home or place of employment between the hours of 8:00 a.m. and 9:00 p.m., voicemail messages, notices by mail, door to door, email (in accordance with CAN-SPAM Act) and text messaging (in accordance with FCC Regulations for SMS opt-in). Debt collectors may not harass you, make false statements, threaten arrest, or engage in any other unfair practices.

CREDIT SCORE IMPLICATIONS

We do not run your credit with Equifax, Transunion or Experian to determine loan qualification, loan amount or interest rate. Doing so can result in a reduction of your credit score by a small number of points each time that it is run. We do not report your payment history to the credit bureaus therefore your credit score will not be affected either positively or negatively by your payment history. We may take steps to verify the accuracy of the information you have provided including, but not limited to, clear vehicle title, your social security number, driverís license number, national ID, or any other state or federal identifications. We may review your information against other national databases to determine your credit worthiness or credit capacity.

RENEWAL POLICY

Our auto title loan is a 6 month or 12 month loan term. You can choose to pay off your loan at any point during the term of the loan. Should you choose to pay off your loan early you would be responsible for the principal and the interest that was accrued for the number of days that you held the loan. There are no fees or penalties associated with paying a loan off early. If you require more time to pay off your loan, you can choose to renew your loan for another term. There are no fees associated with renewing a loan. If a loan is renewed for another term it is treated as an entirely new loan subject to the same rate, terms and conditions as the original loan.

Disclosure: This is a solicitation for a title loan. This is not a guaranteed offer and is subject to Arizona Auto Lenders approval. Actual loan amount subject to vehicle evaluation at inspection and complete and approved application. Certain limitations apply. All loans subject to customerís ability to repay. Some title loans subject to liberal credit policies and limitations, if any. This site is affiliated with one or more licensed vendors referenced herein. This site is owned and operated by Arizona Auto Lenders, an Arizona licensed sales and finance company. In Arizona: Title loans offered by Arizona Auto Lenders will be made or arranged under the Arizona Division of Financial Institutions License Number 0904650.


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