Express Car Title Loans
Effective: May 1, 2026 | Last Revised: May 6, 2026
Your personal information is involved the moment you visit this site, and even more so once you apply for a loan. We think you deserve a clear, plain-English explanation of what we collect, why we collect it, who we might share it with, and what control you have over it. That’s what this page is for.
Express Car Title Loans operates as a registered DBA of CFS Investments (“Company,” “we,” “us,” or “our”). We are a licensed consumer lender in California (DFPI CFL License No. 60DBO-35846) and Arizona (DIFI Sales Finance Companies License No. SF-1005405). This Privacy Policy applies to all consumers and customers, current and former, who interact with us through this website or through any loan product.
If you have questions about anything in here, call us at (888) 864-7180 or email help@expresscartitleloans.com.
1. The Laws That Govern How We Handle Your Data
Being a licensed consumer lender means a specific stack of federal and state privacy laws applies to how we handle your data. Rather than bury this in footnotes, here’s what each one actually means for you as a borrower or site visitor.
The Gramm-Leach-Bliley Act (GLBA) is the federal baseline. It’s the law that requires financial companies to be upfront about what consumer information they collect, how they share it, and what protections they maintain. This policy is our GLBA-required notice. It also obligates us to run an active security program, not just post a disclaimer about one.
For California borrowers, two additional state laws come into play. The CCPA and CPRA stack on top of the GLBA and give California residents expanded rights: the ability to see what we’ve collected, ask us to delete it, correct it if it’s wrong, and opt out of certain sharing. Section 10 covers all of that in detail. The California Financial Information Privacy Act (FIPA) goes further still, putting tighter restrictions on how we share nonpublic financial data with affiliated and nonaffiliated companies, and giving California customers stronger opt-out rights than federal law alone provides.
Arizona residents are covered under state consumer protection statutes applicable to DIFI-licensed lenders. Where Arizona law creates obligations beyond the federal floor, we follow them.
Finally, the Fair Credit Reporting Act (FCRA) governs how consumer reporting agency data gets used. When we pull information from credit bureaus as part of your application, both we and the bureau have specific obligations under that law, and you have the right to dispute anything in your file that looks wrong.
2. What Information We Collect
We collect two categories of information: what you give us directly, and what we gather through the normal operation of our website and services.
Information you provide to us directly:
When you fill out an application, contact us by phone or email, or interact with any form on this site, we may collect your full name, home address, mailing address, phone number, email address, date of birth, Social Security number, driver’s license number, employment information including employer name and income, vehicle information including year, make, model, mileage, and VIN, and any other information you choose to include.
Information collected automatically when you use the site:
When you visit expresscartitleloans.com, our systems automatically record certain technical information. This includes your IP address, the name of your internet service provider, the browser and device you’re using, which pages you visited and in what order, how long you stayed on each page, the site you came from before arriving here, and the date and time of your visit. This is standard across virtually every website and helps us understand how people use the site so we can make it better.
Information we receive from third parties:
As part of the loan application and underwriting process, we may receive information about you from credit bureaus and consumer reporting agencies, identity verification services, vehicle valuation providers, your employer or financial institutions (with your authorization), and other data sources used in connection with evaluating your application.
3. Why We Collect It: How Your Information Gets Used
We don’t collect information for the sake of it. Here’s specifically what we use it for:
The primary use is processing your loan application: verifying who you are, confirming vehicle ownership and value, and figuring out whether you qualify under the criteria applicable to your state. If you’re approved, that same information is used to service your account: processing payments, managing your loan balance, and sending statements or notices.
Beyond the loan itself, we use contact information to reach you about your application status or account activity through the channels you’ve provided. We’re also legally required to collect and retain certain data under federal and state lending regulations, so some of what we hold isn’t optional on either end.
On the security side, we use the information we collect to spot patterns that look like fraud or identity theft and to flag potentially unlawful activity before it becomes a bigger problem. We also use aggregated, non-identifiable site behavior data to improve how the website functions.
If you’ve consented to marketing communications, we may send you information about other products or services we think could be relevant. You can opt out of that at any time as described in Section 8.
One thing we don’t do: we don’t run your information through fully automated decision-making systems that produce legal or significant outcomes without any human review, except where something like that is specifically disclosed in your loan agreement.
4. How We Share Your Information
With service providers that work for us. We share information with companies that perform services on our behalf, including payment processors, identity verification providers, vehicle appraisal services, credit bureaus, and technology vendors that help us operate this website. These vendors are contractually required to use your information only for the purpose we’ve engaged them for and to protect it appropriately.
With credit reporting agencies. We may report loan performance information to one or more consumer reporting agencies as permitted by the FCRA. This is standard practice in consumer lending and affects your credit file.
Within our affiliated companies. We may share information among CFS Investments entities for internal purposes related to serving you.
As required by law. We will disclose information when required to do so by a valid court order, subpoena, regulatory demand, or other legal process. We may also share information with law enforcement when we have a good-faith belief that doing so is necessary to prevent fraud, protect our rights, or respond to a genuine safety threat.
With your explicit consent. If you ask us to share your information with a specific third party, we’ll do that.
What we don’t do: We do not sell your personal information to third parties for their own independent marketing purposes. We do not share your mobile number or any SMS-related consent data with third parties or affiliates for marketing or promotional campaigns. That’s a firm line.
5. Cookies and Website Tracking
What cookies are and what we use them for:
When you load a page on this site, your browser may receive and store a small data file called a cookie. It’s not software and it can’t do anything on its own. It’s just a way for the site to remember basic things between page loads or between visits. We use two kinds. One type lasts only as long as your browser session and disappears completely when you close the tab or window. The other persists on your device for a set period of time so the site can recognize returning visitors and maintain certain preferences.
We use cookies to keep your session active as you navigate the site, remember preferences that make your experience smoother, track aggregate website activity so we can understand what’s working and what isn’t, and support the basic functionality of our online application.
The cookies we use do not contain your Social Security number, financial account data, or any other sensitive personal information. They contain session identifiers and preference data only.
Third-party tracking:
We may use third-party analytics tools (such as Google Analytics) that place their own cookies on your device. These tools help us understand traffic patterns and user behavior in aggregate. Those providers have their own privacy policies that govern their use of the data they collect.
Your options:
You can configure your browser to reject cookies, alert you before accepting them, or delete existing cookies. Keep in mind that disabling cookies may limit your ability to use certain features of this site. Instructions for managing cookies are typically found in your browser’s settings or help documentation.
6. How We Protect Your Information
Data security isn’t a policy position for us — it’s an operational requirement given what we handle. Title loan applications involve Social Security numbers, income details, vehicle identification, and other sensitive data that bad actors would love to get their hands on. We take that seriously.
Our technical protections include SSL encryption supporting up to 128-bit protection on all data moving to and from this site. On the access side, we limit who inside the company can view personal information to people who genuinely need it to do their jobs. Our physical facilities have appropriate controls, and any third-party vendor we work with is contractually required to meet security standards consistent with the sensitivity of the data they touch.
Saying “no system is 100% secure” is true but also something every privacy policy says. What we can tell you more specifically is that we have a written information security program, we review and update it, and we treat a data incident as a serious operational failure rather than an acceptable cost of doing business.
If something ever happens that leads you to believe your information shared with us has been accessed without authorization, call us right away at (888) 864-7180.
7. How Long We Keep Your Information
We retain personal information for as long as needed to fulfill the purposes described in this policy, maintain your account, and comply with legal obligations. For loan customers, that typically means retaining records for several years after the loan is paid off or closed, in accordance with federal and state record retention requirements applicable to licensed lenders. Website visitor data collected for analytics purposes is retained for a shorter period consistent with its purpose.
When we no longer need information and are not legally required to keep it, we dispose of it in a manner designed to prevent unauthorized access or reconstruction.
8. Your Right to Limit Information Sharing
Under the GLBA, you have the right to opt out of certain information sharing with nonaffiliated third parties. If you’d like to limit how we share your information beyond what’s required to service your loan and comply with the law, contact us directly:
Phone: (888) 864-7180
Email: help@expresscartitleloans.com
Mail: CFS Investments dba Express Car Title Loans, 2942 Century Pl, Suite 803, Costa Mesa, CA 92626
When you contact us to opt out, please include your full name, account number if applicable, and a clear statement of your request. We’ll confirm receipt and process your request within a reasonable timeframe.
Note that opting out does not prevent us from sharing information as required by law, as necessary to service your account, or with service providers acting on our behalf.
9. Email, Phone, and Electronic Communications
When you send us an email, call us, or submit information through this site, we use that information to respond to you, manage your account, and improve our understanding of how to serve our customers better. We don’t share the content of emails or call records with third parties for marketing purposes.
If you’ve consented to receive marketing communications from us and later want to stop, reply STOP to any text message, click unsubscribe in any email, or contact us directly. We’ll remove you from marketing lists promptly. Note that transactional communications related to an active loan will continue even after a marketing opt-out, as those communications are part of servicing your account.
10. California Residents: Your Rights Under CCPA/CPRA
California law gives residents a set of rights over their personal information that go beyond what federal law requires. Here’s what those rights are in plain terms, and what they mean practically for someone who’s applied for or taken out a loan with us.
Access and transparency. You can ask us to tell you what categories of personal information we’ve collected about you, where we got it from, why we collected it, and which types of third parties we’ve shared it with. You can also request the specific pieces of information we hold on you.
Deletion. You can request that we delete personal information we’ve collected. This right has limits. We’re not required to delete data we still need to service an active loan, detect fraud, comply with a legal obligation, or fulfill other purposes the law carves out. But for data we hold beyond those purposes, deletion requests are something we take seriously.
Correction. If information we have on file for you is factually wrong, you can ask us to fix it. Disputes about creditworthiness or loan decisions are a different matter, but straightforward factual errors are fair game.
Opting out of sale or sharing. We don’t sell your personal information. We also don’t share it for cross-context behavioral advertising. There’s nothing to opt out of here because we don’t engage in those practices.
Sensitive data limits. For sensitive categories like Social Security numbers and financial account information, our use is limited to the purposes CCPA/CPRA permits, primarily servicing your loan and complying with applicable law.
No retaliation. Exercising any of these rights won’t affect your ability to get a loan from us, get a fair rate, or receive any service we otherwise offer. We don’t penalize people for using their legal rights.
A note on GLBA overlap. Most of the personal information we collect comes in through the loan application process, which means it’s classified as personally identifiable financial information under the GLBA. That data sits in a CCPA exemption zone. We’re flagging this not to avoid accountability but because it’s a real legal nuance that affects what rights technically apply to which data. In practice, we’ll work with you in good faith on any reasonable privacy request regardless of which law governs it.
How to submit a request: Call (888) 864-7180 or email help@expresscartitleloans.com. An authorized agent may submit on your behalf. We’ll verify your identity before processing anything, and we’ll respond within 45 days. If we need more time, we’ll tell you before that window closes.
11. Arizona Residents
Arizona residents are protected under applicable state consumer protection statutes and the terms of our DIFI license. If you have questions about your rights as an Arizona borrower or wish to file a complaint related to our privacy practices, you may contact the Arizona Department of Insurance and Financial Institutions at difi.az.gov.
12. Children’s Privacy
Our website and loan products are intended for adults only. Nobody under 18 should be submitting personal information through this site, and we don’t have any reason to collect it from them. If we ever discover that a minor’s information has come into our system through this site, we’ll remove it. If you have reason to believe a child submitted information here, reach out to help@expresscartitleloans.com and we’ll look into it promptly.
13. Links to Other Websites
This site may contain links to third-party websites. Clicking those links takes you to sites that operate under their own privacy policies. We have no control over those sites and are not responsible for their privacy practices. We recommend reviewing the privacy policy of any site you visit before providing personal information.
14. Keeping Your Records Accurate
If you believe the information we have on file for you is incomplete or incorrect, let us know and we’ll work to fix it. You can reach us at:
Phone: (888) 864-7180
Email: help@expresscartitleloans.com
Mail: CFS Investments dba Express Car Title Loans, 2942 Century Pl, Suite 803, Costa Mesa, CA 92626
15. Accessibility
If you use a screen reader or other assistive technology and are having difficulty accessing the content of this page, call us at (888) 864-7180. We’ll make sure you get the information you need in a format that works for you.
16. Changes to This Policy
Privacy law evolves, and our practices occasionally change too. When either happens in a way that affects this policy, we’ll update the “Last Revised” date at the top and post the revised version here. For changes that meaningfully affect your rights, not just formatting or minor clarifications, we’ll also try to give you direct notice if we have an active account contact on file for you.
Worth bookmarking this page if privacy matters to you. It’s the authoritative version of our practices at any given time.
17. Contact Us
Privacy questions, requests, and concerns come to us directly:
CFS Investments dba Express Car Title Loans
2942 Century Pl, Suite 803
Costa Mesa, CA 92626
Phone: (888) 864-7180
Email: help@expresscartitleloans.com
Website: https://expresscartitleloans.com
Express Car Title Loans is a registered DBA of CFS Investments. Licensed by the California Department of Financial Protection and Innovation under the California Financing Law, License No. 60DBO-35846. Licensed by the Arizona Department of Insurance and Financial Institutions, Sales Finance Companies License No. SF-1005405. This Privacy Policy is provided in compliance with the Gramm-Leach-Bliley Act, the California Consumer Privacy Act, the California Privacy Rights Act, and other applicable federal and state privacy laws.