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Responsible Lending

We are committed to giving our customers a positive experience and we strive for the utmost level of transparency and fairness. We are a third party, not a lender. By completing our application, you are soliciting a loan from a licensed lender in your area. As car title loans are secured by your vehicle, majority of lenders do not require credit checks, so people with poor credit history may still qualify. These types of loans are not intended as long-term solutions. Loan approval is contingent upon the customers ability to repay and the condition of the vehicle. We encourage you to (1) borrow only what you need and can repay, (2) payback your loan as quickly as possible, and (3) weigh your options fully before taking out a loan.

Transparency of costs of your loan: We do not charge you any fees for the processing of your loan request. Some lenders may charge fees for the processing on the loan. The costs associated with your loan will be disclosed to you by the lender. Costs and fees may vary by lender and state. For more information please refer to our Privacy Policy and Terms And Conditions or call our toll-free number listed on our website.

Lender’s interest rates vary based on, but are not limited to, the following variables: vehicle value, repayment ability and other promotional offers. Rates may range from 18% to 356% APR. APR is disclosed in accordance to the Federal Truth in lending laws.

Rights of Cancelation Cancellation and Payoff policies may vary by lender and state. Typically if you change your mind about your loan, you may cancel it at any time prior to depositing the check and you may repay any borrowed amounts at any time without prepayment penalty.

Implications of Late and Non-Payment: Late and Non-Payment policies may vary by lender including repossession policies. With most lenders if you fail to make a payment by the designated due date, you will have twenty-four hour grace period to make the payment before a fee of $10 is issued. In most cases repossession of your vehicle will only be initiated if a payment is not made after a period of at least 20 days have passed following the twenty-four hour grace period. Since lenders may report loan payments to one or more credit bureaus, late or non-payment of your debt may impact your credit rating.

Responsible Renewals and Refinancing Options: Renewal policies may vary by lender. In most cases loans can be renewed on a month-to-month basis and you can refinance your loan with your existing or a different lender. Loan refinancing is subject to lender requirements. You can always minimize your fees by making larger payments on your principle. We strongly encourage principal reeducation and early payment to reduce your charges.

Compliance with Laws: All of the lenders in our loan matching network abide by the laws that governing states or territories in which they operate. These laws include (but are not limited to):

  • Electronic Fund Transfer Act
  • Equal Credit Opportunity Act
  • Fair Credit Reporting Act
  • Fair Debt Collection Practices Act
  • Gramm-Leach-Billey Act
  • Privacy Requirements Truth In Lending Act
  • Telemarketing Sales Rule

Contacting Us For your convenience we have our quickest forms of contact on our contact us page. We also provided you with our phone numbers and email address where you can ask us any questions you may have. Bellow is the mailing address of our corporate office where you can write to us as well. We strive to respond to you in as fast a manner as possible so we can quickly answer any questions and solve any problems you might have.

Questions You may direct any questions concerning our policies to:

  • Ez Loan Look Up
  • 1500 Skokie Blvd, #101
  • Northbrook, IL 60062