Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Sacramento Auto Title Connect, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Service Description

Sacramento Auto Title Connect is NOT a lender. Sacramento Auto Title Connect is not a direct lender, loan broker, or agent for any lender. We are a free, independent matching service that connects interested consumers with third-party auto title lenders in our network. We do not make credit decisions, determine loan amounts, or set interest rates. Submitting a request on this site does not guarantee that you will be connected with a lender or approved for a loan. We provide a free service to connect consumers with lenders who may offer short-term loans. We do not make credit decisions, set loan terms, or charge fees to consumers.

3. Not a Lender

Sacramento Auto Title Connect is not a direct lender, loan broker, or agent for any lender. We are a free, independent matching service that connects interested consumers with third-party auto title lenders in our network. We do not make credit decisions, determine loan amounts, or set interest rates. Submitting a request on this site does not guarantee that you will be connected with a lender or approved for a loan. The actual lender is responsible for all aspects of the loan, including the application process, approval, funding, and collections. Loan terms, including APR, fees, and repayment terms, are set solely by the lender.

4. No Guarantee of Approval

Submitting a loan request through our Site does not guarantee that you will be matched with a lender or approved for a loan. Approval is at the sole discretion of the lender and depends on the information you provide and the lender's underwriting criteria.

5. Credit Checks and Reporting

Participating lenders may perform credit checks or obtain consumer reports through alternative providers (such as Clarity Services or DataX) or the three major credit bureaus (Equifax, Experian, TransUnion) to evaluate your creditworthiness. By submitting your information, you agree to allow lenders to verify your information and check your credit. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APR (Annual Percentage Rate) varies significantly based on the lender, your state of residence, your creditworthiness, and the loan amount. Sacramento Auto Title Connect does not have access to the specific terms of your loan. Title loan APRs are generally high. Please review your loan agreement carefully to understand all rates and fees before accepting.

7. Financial Responsibility

Short-term loans should be used for short-term financial needs only, not as a long-term financial solution. Borrowers with credit difficulties should seek credit counseling. You are responsible for carefully reviewing the loan agreement provided by the lender before accepting any loan offer.

8. State Regulations

Loan availability, terms, and regulations vary by state. Not all lenders operate in all states. California residents: Auto title loans in California are governed by the California Financing Law (CFL). Under the Fair Access to Credit Act (AB 539), loans between $2,500 and $9,999 have capped interest rates (36% + Federal Funds Rate). Loans above $10,000 are not subject to these specific rate caps. Lenders must be licensed by the California Department of Financial Protection and Innovation (DFPI).

9. Limitation of Liability

Sacramento Auto Title Connect shall not be liable for any damages arising from the use of this Site or any loan obtained through a lender connected via our service. All information is provided "as is" without warranty.

10. Contact

If you have questions about these Terms of Service, please contact us at [email protected].