Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by SA Title Loan 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

SA Title Loan Connect is NOT a lender. SA Title Loan Connect is not a direct lender. We are a lead generation matching service that connects San Antonio residents with third-party lenders. We do not make credit decisions or provide loans directly. 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

SA Title Loan Connect is not a direct lender. We are a lead generation matching service that connects San Antonio residents with third-party lenders. We do not make credit decisions or provide loans directly. 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

Lenders in our network may perform credit checks through major bureaus or alternative providers to determine eligibility. Submitting a request through this site does not guarantee you will be matched with a lender or approved for a loan. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APR for title loans in Texas can range significantly, often between 150% and 350% depending on the lender's fees and the Credit Access Business (CAB) charges. Always review the full disclosure of rates and fees before signing any agreement.

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. Title loans in Texas are governed by the Texas Finance Code. Credit Access Businesses (CABs) must be licensed by the Office of Consumer Credit Commissioner (OCCC). Borrowers are encouraged to read the 'Consumer Rights and Responsibilities' notice provided by their lender.

9. Limitation of Liability

SA Title Loan 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].