Consumer Disclosures - Illinois Title Loans, Inc

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Consumer Disclosures

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I certify that the above information is accurate and true, and agree to receive all disclosures and notices in electronic form. I have read and understood the terms and conditions.

By checking the "I AGREE" box, you consent to receive the disclosure immediately below electronically. You may withdraw your consent by unchecking the "I AGREE" button before continuing, but understand that doing so means that we will not be able to contact you as described below. To update your contact information or obtain a copy of the disclosure, you may call us at 800-922-8803, or email us at webquestions@clacorp.com. You understand that you need a computer with Internet access and a compatible browser to view, print or save this disclosure.

Consent to Auto-dialed Marketing Calls and Text Messages. By checking the "I AGREE" box, you authorize Illinois Title Loans, Inc (or its agents), to make telemarketing calls and send marketing text messages to your telephone number listed above using an automatic telephone dialing system on a recurring basis. Signing this consent is not a condition of purchasing property, goods or services through us. If you do not wish to receive sales or marketing calls or texts from us, you should not check the "I AGREE" box. You understand that any messages we leave for you may be accessed by anyone with access to your voicemail or texts. You understand that your mobile phone service provider may charge you fees for calls made or texts sent to you, and you agree that we will have no liability for the cost of any such calls or texts. At any time, you may withdraw your consent to receive marketing calls and text messages by calling us at 800-922-8803, emailing us at webquestions@clacorp.com, or by other reasonable means. Alternatively, to stop marketing text messages, simply reply “STOP” to any marketing text message that we send you.

BY CHECKING THE "I AGREE" BOX AND PROVIDING YOUR TELEPHONE NUMBER ABOVE, (1) YOU CONSENT TO OUR PROVIDING AUTODIALED MARKETING CALLS AND TEXTS PER THE DISCLOSURE (ABOVE) TO YOU ELECTRONICALLY, (2) YOU CONSENT TO OUR MAKING TELEMARKETING CALLS AND SENDING MARKETING TEXT MESSAGES TO YOU USING THE TELEPHONE NUMBER ABOVE AND (3) YOU ACKNOWLEDGE THAT YOU PRINTED OR SAVED A COPY OF THIS AGREEMENT.

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I have read, understand and agree to the terms of the Consent to Electronic Disclosure.

Consumer Disclosures

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FEDERAL & STATE REGULATIONS

Illinois Title Loans, Inc promotes the informed use of Consumer credit by rigidly adhering to federal and state regulations requiring Disclosures about interest rates, rollover limits, fees, charges and terms. Before consumers assume any obligation they will be presented, in writing, with the exact rates, fees, and other details of their car title loan as required by federal and state Law.

SUBMITTING YOUR INQUIRY THROUGH OUR WEBSITE

Submitting your inquiry on this website incurs absolutely no obligation. Based on the inquiry you submit, an Illinois Title Loans, Inc customer service representative will call you to discuss your title loan needs.

DETERMINATION OF INTEREST RATE/FEES/CHARGES

As noted above, federal and state law requires disclosures about the terms and cost of consumer credit. All rate and fee information will be disclosed to you by Illinois Title Loans, Inc at the location before you sign any agreement. Please review all the rate information provided to you by our customer service representative thoroughly and completely before signing any agreement. You are under no obligation to accept the terms provided by Illinois Title Loans, Inc

LATE PAYMENT POLICY

Should an unexpected emergency arise which prevents you from making a payment persuant to the terms of your agreement, representatives at Illinois Title Loans, Inc are trained to work with you to bring your account back into good standing. Your vehicle will be pledged to Illinois Title Loans, Inc as collateral. If you fail to make a payment pursuant to the terms of your agreement, your vehicle may be repossessed and sold. Additional charges may also apply.

REFINANCE POLICY

Refinances are permitted provided your original principle balance has been reduced by at least 20%. Speak with a sales representative for more details.

CREDIT CHECKS

There exists a common misconception that a poor credit history may result in a higher interest rate for title loans. With Illinois Title Loans, Inc your credit score does not affect the interest rate, fees or charges determined for a title loans.

FAIR DEBT COLLECTION PRACTICES

Illinois Title Loans, Inc undertakes all collection activity in strict compliance with the provisions of the Federal Fair Debt collection Practices Act enforced by the Consumer Financial Protection Bureau and other Federal Agencies. Illinois Title Loans, Inc follows all applicable laws, rules and regulations. Applicable provisions of the Fair Debt Collection Practices Act prohibit the following:

Contacting consumers by telephone before 8 a.m. or after 9 p.m.
Contacting consumers by phone with the intent to annoy, harass, etc., or using abusive language at anytime.
Collecting debt through deception or misrepresentation.
Threatening legal recourse when no legal action is intended.

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Consumer Disclosures - Illinois Title Loans, Inc

FEDERAL & STATE REGULATIONS
Illinois Title Loans, Inc promotes the informed use of Consumer credit by rigidly adhering to federal and state regulations requiring Disclosures about interest rates, rollover limits, fees, charges and terms. Before consumers assume any obligation they will be presented, in writing, with the exact rates, fees, and other details of their car title loan as required by federal and state Law.

SUBMITTING YOUR INQUIRY THROUGH OUR WEBSITE
Submitting your inquiry on this website incurs absolutely no obligation. Based on the inquiry you submit, an Illinois Title Loans, Inc customer service representative will call you to discuss your title loan needs.

DETERMINATION OF INTEREST RATE/FEES/CHARGES
As noted above, federal and state law requires disclosures about the terms and cost of consumer credit. All rate and fee information will be disclosed to you by Illinois Title Loans, Inc at the location before you sign any agreement. Please review all the rate information provided to you by our customer service representative thoroughly and completely before signing any agreement. You are under no obligation to accept the terms provided by Illinois Title Loans, Inc

LATE PAYMENT POLICY
Should an unexpected emergency arise which prevents you from making a payment persuant to the terms of your agreement, representatives at Illinois Title Loans, Inc are trained to work with you to bring your account back into good standing. Your vehicle will be pledged to Illinois Title Loans, Inc as collateral. If you fail to make a payment pursuant to the terms of your agreement, your vehicle may be repossessed and sold. Additional charges may also apply.

REFINANCE POLICY
Refinances are permitted provided your original principle balance has been reduced by at least 20%. Speak with a sales representative for more details.

CREDIT CHECKS
There exists a common misconception that a poor credit history may result in a higher interest rate for title loans. With Illinois Title Loans, Inc your credit score does not affect the interest rate, fees or charges determined for a title loans.

FAIR DEBT COLLECTION PRACTICES
Illinois Title Loans, Inc undertakes all collection activity in strict compliance with the provisions of the Federal Fair Debt collection Practices Act enforced by the Consumer Financial Protection Bureau and other Federal Agencies. Illinois Title Loans, Inc follows all applicable laws, rules and regulations. Applicable provisions of the Fair Debt Collection Practices Act prohibit the following:

Contacting consumers by telephone before 8 a.m. or after 9 p.m.
Contacting consumers by phone with the intent to annoy, harass, etc., or using abusive language at anytime.
Collecting debt through deception or misrepresentation.
Threatening legal recourse when no legal action is intended.

Need Emergency Cash?
Get A Title Loan or Payday Loan!

I certify that the above information is accurate and true, and agree to receive all disclosures and notices in electronic form. I have read and understood the terms and conditions.

Print Save

I have read, understand and agree to the terms of the Consent to Electronic Disclosure.

DISCLOSURE: This is a solicitation for a title-secured loan or payday loan. This is not a guaranteed offer and requires a complete and approved application. Title- secured loan amount subject to vehicle evaluation. Results and actual loan amounts may vary. Certain limitations apply. This site is affiliated with one or more of the licensed lenders referenced herein.

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