Express Car Title Loans
Effective: May 1, 2026 | Last Revised: May 6, 2026
Take a few minutes to read through this before you do anything else on the site. We get it. Nobody loves reading terms pages. But this one covers things that actually matter to you as a borrower: what we do with your information, how we’re allowed to contact you, what using this site means you’ve agreed to, and what your rights are. It’s worth a few minutes of your time.
Using this website (whether that means browsing it, filling out a form, clicking an application button, or just hanging around) means you’ve read and accepted what’s written here. If something in here doesn’t sit right with you, the honest answer is to stop using the site. We can’t carve out exceptions for individual users, and we can’t negotiate the terms on a case-by-case basis.
Who We Are
Express Car Title Loans is a licensed consumer lending company. We built this website to help people find out whether a car title loan is a fit for their situation and to apply if it is. We operate in compliance with applicable state and federal lending laws, and where state law requires us to post license information, we do.
Express Car Title Loans operates as a registered DBA of CFS Investments. In California, loans are issued under DFPI California Financing Law (CFL) License No. 60DBO-35846. In Arizona, loans are issued under DIFI Sales Finance Companies License No. SF-1005405.
One thing worth being clear about upfront: this website and these terms govern how you use this site. They are not your loan agreement. If you’re approved for a loan, you’ll get a separate loan agreement. That’s the document that spells out your actual rate, payment schedule, loan amount, and all the conditions that come with borrowing money. These terms are about the website itself.
Reach us directly:
Phone: (888) 864-7180
Email: help@expresscartitleloans.com
Web: https://expresscartitleloans.com
1. Who Can Use This Site
This site is for adults. Specifically, you need to be at least 18 years old to use it (or 19 if that’s the minimum in your state). Beyond age, here’s who this site is set up for:
People who live in the United States, in a state where we hold an active lending license. People who are here to look into a loan for legitimate personal reasons, not to probe our systems, scrape our data, or test what they can get away with. And people who are not active-duty military service members, or spouses or dependents of active-duty service members (there’s a separate section later that explains why that matters).
If you’re under 18, please don’t use this site and don’t submit any personal information through it. We don’t knowingly collect data from minors, and if we discover we have, we’ll delete it.
2. How Title Loans Actually Work: What You’re Agreeing To When You Apply
Submitting an application here starts a process, not a guarantee. We want that to be plain. Every application goes through a review that looks at things like your vehicle’s current market value, whether you have clear title to it, your ability to repay, your identity, and the specific requirements of the state you live in. Not everyone qualifies, and qualifying once doesn’t mean you’ll always qualify.
When you hit submit on an application, here’s what you’re authorizing us to do:
Verify what you’ve told us, including your identity, your income, your vehicle ownership, and other information relevant to the application. Pull consumer reports from credit bureaus or other data sources. Appraise your vehicle’s value as part of determining what you may qualify for. Contact you using the information you’ve provided, through the channels described in Section 5.
Loan amounts vary considerably depending on the vehicle, the state, and your financial profile. The same goes for rates and repayment terms. We reserve the right to decline any application. We don’t owe an explanation for every decision, though we follow fair lending laws in all of them.
3. The Part About Cost: Please Read This
Car title loans carry high interest rates. We’re not hiding that. They’re designed for short-term cash needs, not as a substitute for longer-term financing. If you’re dealing with an ongoing debt problem rather than a one-time gap, we’d genuinely recommend talking to a nonprofit credit counselor before you borrow anything.
What borrowing actually costs, a straight example:
A $1,500 loan over 30 days with a 25% monthly finance charge means you’d pay back $1,875 total. That works out to a representative APR of 300%. Real rates depend on what state you’re in and the terms of your specific loan. Before you sign anything, your loan agreement will show you the exact APR, the exact finance charges, and the total you’ll repay. Read it.
Your car is collateral. That’s the core mechanic of a title loan. If payments stop, the lender has the right under your loan agreement and applicable state law to repossess the vehicle. That’s not a scare tactic. It’s just the reality of how secured lending works, and you should factor it in before deciding this product is right for you.
No penalty for paying early. You can pay off your loan ahead of schedule anytime you want. Doing so cuts down the total interest you’ll pay, so it’s worth doing if you’re in a position to.
State law adds additional requirements in some places. Any state-specific disclosures that apply to where you live are either posted separately on this site or will be provided to you during the application process.
Loan amounts vary by state: California title loans start at $2,501 and Arizona title loans start at $500. Specific loan amounts, rates, and terms depend on your location, vehicle details, and financial profile. Full rate and term disclosures are available on our California and Arizona pages.
4. Everything You Submit Needs to Be Accurate
When you fill out an application or provide information through this site, you’re representing that what you’ve submitted is true and complete. If something changes, like your income, your vehicle ownership status, or your contact information, during the application process or while you have an active loan, you’re responsible for letting us know.
Submitting false information isn’t just a ground for denial. Misrepresenting vehicle ownership, income, identity, or other material facts can constitute fraud under applicable state and federal law, with real legal consequences attached.
5. How We Contact You, and How to Stop It
When you provide your contact details on this site, you’re giving us permission to reach you. Here’s what that covers: phone calls (including to mobile numbers), text messages (SMS and MMS), emails, and calls made through automated dialing systems or prerecorded messages. The purposes include following up on your application, servicing any account you have with us, and occasionally letting you know about other products or services that might be relevant to you.
Here’s something important: that consent is not a condition of getting a loan. You don’t have to agree to automated marketing contacts to apply or to borrow. If you’d prefer we only reach you manually, put that in writing and send it to us.
To stop all communications, contact us at (888) 864-7180 or help@expresscartitleloans.com. We’ll process your request as quickly as we reasonably can. Text messages are covered in more detail in the next section.
6. Text Message Program
What we send: Account-related texts like payment reminders, application status updates, and the occasional promotional message. How often depends on what’s happening with your account.
Signing up: You opt into texts by providing your mobile number and agreeing to receive them. That’s it.
Opting out: Text STOP back to any message we send. You can also call or email us to be removed. One exception: if you have an active loan, we may still send transactional messages like payment confirmations or notices required under your loan agreement or applicable law, even after you opt out of promotional texts.
Need help: Text HELP to any message you receive from us, or call (888) 864-7180.
Costs: We don’t charge for messages. Your carrier’s standard rates for texts and data apply, so check your plan if you’re not sure what those are.
Your number: Make sure the mobile number you give us is actually yours. If it belongs to someone else and they receive messages from us because of your application, that responsibility falls on you legally. You agree to cover any claims that arise from that kind of error.
Availability: We can modify or end the text program at any time without notice. We’re not liable for delays caused by your carrier.
7. Your Personal Information
The full picture of how we handle your data is in our Privacy Policy: that document is incorporated into these terms by reference, and you should read it. The short version: we collect what we need to process your application, service your loan, comply with legal requirements, and communicate with you. We don’t sell your personal information to outside parties for their own marketing use. We do share information with vendors and service providers that help us run our business, with credit reporting agencies as part of standard lending practice, and when the law requires or permits it. Residents of California, Nevada, and certain other states have additional rights under state privacy law. Those are covered in the state-specific sections of our Privacy Policy.
8. What You Can and Can’t Do on This Site
We’re giving you permission to use this website for one thing: figuring out if a title loan from us makes sense for your situation and applying if it does. That’s a limited, personal, non-transferable license, and it doesn’t extend to any of the following:
Copying or selling any part of this site’s content for commercial use. Running bots, scrapers, or automated extraction tools against the site. Attempting to access backend systems, databases, or any part of the site that’s not meant to be publicly accessible. Uploading or transmitting malicious code, spam, or anything that could cause damage. Framing or mirroring this site inside another website without written permission from us. Using our name, logo, or trademarks in any way without our written approval.
If we have reason to believe you’ve violated any of these, we can cut off your access immediately with no notice required.
9. This Site Is Ours
Everything you see on this website, including the copy, the layout, the graphics, the logo, the button text, and the underlying code, belongs to Express Car Title Loans or to whoever we license it from. U.S. copyright, trademark, and intellectual property law protects all of it. Nothing about your use of this site transfers any ownership or license to you beyond what’s described in Section 8.
If you believe something on this site infringes on content you own, reach out to help@expresscartitleloans.com. Tell us what was allegedly infringed and point us to where on the site you found it.
10. Outside Links and Third-Party Services
We may link to other websites from time to time. Following those links takes you somewhere we don’t control, and those sites operate under their own terms and privacy policies, not ours. We’re not vouching for them.
Some of the services that power this website, including identity verification, payment processing, and credit reporting, are run by outside vendors. What they do with data in their own systems is governed by their agreements and applicable law, not by ours.
11. No Warranties
This site is provided as-is. We don’t promise it will be available every time you try to access it. We don’t promise the information on it is always current or free of errors. We don’t promise the site is free from bugs or security vulnerabilities. To the fullest extent the law allows, we disclaim all warranties, both express and implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Information on this site is general in nature. It isn’t a binding offer to lend and shouldn’t be treated as one.
12. Limits on Our Liability
If something goes wrong because of this website, whether that’s an error, a delay, a security incident, or a bad piece of information, our liability to you is limited. To the maximum extent permitted by law, we won’t be on the hook for indirect, incidental, consequential, punitive, or special damages, even if someone told us those kinds of damages were possible.
For any claim you bring directly against us arising from use of this site, our maximum liability is one hundred dollars ($100). Some states don’t allow these kinds of caps, so depending on where you live, parts of this section may not apply to you.
13. You Agree to Cover Us If Your Actions Cause Problems
If your use of this site, or any false information you submitted, or any violation of these terms, or any law you broke while using it, results in a claim, lawsuit, or loss for us, you agree to defend us and cover the costs. That includes reasonable attorney’s fees. This applies to claims brought by third parties as a result of your conduct.
14. Equal Credit Opportunity: No Exceptions
Express Car Title Loans follows the federal Equal Credit Opportunity Act. Every applicant gets the same consideration regardless of race, color, religion, national origin, sex, marital status, age (as long as you’re old enough to sign a contract), the source of your income, or the fact that you’ve previously exercised your rights under any consumer protection law.
If you think you’ve been treated unfairly in a credit decision, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov or the Federal Trade Commission at ftc.gov.
15. Active-Duty Military: This Affects Your Eligibility
Federal law limits the terms on which consumer credit can be extended to active-duty service members and their covered dependents. Under the Military Lending Act, the total cost of covered loans to these borrowers, including fees and finance charges, generally cannot exceed a 36% Military Annual Percentage Rate. This affects the products we’re able to offer to covered borrowers.
If you’re on active duty or are the spouse or dependent of someone who is, contact us before you apply. We want to make sure we handle your application correctly and provide you with the disclosures you’re entitled to.
16. Disputes: How They Get Resolved
If a disagreement comes up between you and Express Car Title Loans that we can’t work out directly, these terms call for binding arbitration rather than a court proceeding. Arbitration would be conducted under the rules of the American Arbitration Association, and the law of the state where you live would govern the underlying dispute.
No class actions. Disputes go through as individual matters only. You give up the right to participate in a class action lawsuit or any consolidated proceeding against us.
You can opt out. Within 30 days of your first use of this site, you can opt out of the arbitration requirement by sending an email to help@expresscartitleloans.com with “Arbitration Opt-Out” in the subject line. Opting out doesn’t affect anything else in these terms.
Emergency relief. Nothing here stops either side from going to a court to seek emergency injunctive relief when there’s a genuine risk of immediate, irreparable harm.
17. We Can Update These Terms
We reserve the right to change these terms. When something material changes, we’ll update the “Last Revised” date at the top of the page and may post a notice on the homepage or send an email to any address we have on file. Continuing to use the site after a revision goes live means you’ve accepted the updated version.
18. Miscellaneous Legal Stuff
If a section turns out to be unenforceable: Courts sometimes strike down provisions in agreements like this. If that happens to any part of these terms, only that part goes away. The rest stays intact and in effect.
The complete picture: These terms, along with our Privacy Policy and any loan agreement you sign with us, make up the entire agreement between you and Express Car Title Loans on the subjects covered here. Prior conversations, emails, promises, or representations that aren’t written into one of those documents don’t carry legal weight.
19. Questions? We’re Here.
If you have a question about any of this, whether it’s what something means, how it applies to your situation, or what your rights are as a borrower, reach out directly. We’d rather answer a question than have someone proceed with a misunderstanding.
Express Car Title Loans
Phone: (888) 864-7180
Email: help@expresscartitleloans.com
Website: https://expresscartitleloans.com
Express Car Title Loans is a registered DBA of CFS Investments. In California, loans are issued under DFPI California Financing Law (CFL) License No. 60DBO-35846. In Arizona, loans are issued under DIFI Sales Finance Companies License No. SF-1005405. All loans subject to state law, eligibility requirements, credit review, and approval. Not all applicants qualify. California title loans start at $2,501; Arizona title loans start at $500. Rates, amounts, and terms vary by state. This site does not constitute an offer to lend where licensure is required and not held.