Terms And Conditions

Terms And Conditions

In this Terms and Conditions, the applicant is referred to as “I” or “ME” and the creditor (Express Car Title Loans) is referred to as “YOU”.

I certify that everything I have stated in this application and on any additional documents I may be required to submit with this application is correct. I understand that YOU will retain this application whether or not it is approved. By checking the “I Agree” box and hitting “Enter”, I authorize YOU to check my credit and employment history and answer questions others may ask about my credit record. I agree to update my credit information at your request if my financial condition changes. By providing a telephone number for a cell or other wireless device now or in the future, I also hereby expressly consent to receive communications at that number, including but not limited to, live calls, emails, text messages and calls made by an automatic dialing system, from YOU or your agent, or any third-party debt collector, about 1) the servicing and collection of my account with YOU and 2) marketing information concerning other products or services offered by YOU or third parties.



SMS Disclosures and Terms

This Short Message Service (“SMS”) Disclosure (“Disclosure”) applies to each account you have with us for which you have elected to receive SMS messages.

  1. The words “we,” “us,” and “our” refer to us along with our agents, with whom we have contracted to facilitate payments to your Account(s). The words “you” and “your” mean you, the individual identified on the account(s) you have with us (“Account”). As used in this Disclosure, “SMS Notifications” means any SMS (text message) communication from us to you about your Account, including, but not limited to, account or payment information, promotions, due date reminders, delinquent accounts, coupons and other marketing material.
  2. How to UNSUBSCRIBE. You may withdraw your consent to receive SMS Statement Notifications by texting STOP to the message you receive. You may also withdraw your consent by calling us at (888) 864-7180. We may treat your provision of an invalid mobile phone number or the subsequent malfunction of a previously valid mobile phone number as a withdrawal of your consent to receive SMS Statement Notifications. We will not impose any fee to process the withdrawal of your consent to receive SMS Statement Notifications. Any withdrawal of your consent to use SMS Statement Notifications will be effective only after we have a reasonable amount of time to process your withdrawal.
  3. For HELP on Services. To request additional information, text HELP to the message you receive or contact us by telephone at (888) 864-7180.
  4. Opt-in: Sign agreements and addendums to opt-in for SMS courtesy text services. When applicable, a confirmation message is sent to verify that you have the device for the cell number you provided and inform you of applicable Msg & Data Rates and frequency for all subsequent SMS or MMS.

Opt-out To cancel SMS courtesy text message services, reply STOP to the message received to opt out of respective text message services. Text STOP to the message you receive!

  1. How to Update Your Records. It is your responsibility to provide us with a true, accurate and complete mobile number and promptly maintain and update any changes in this information. You can update your mobile number by calling us at (888) 864-7180 or through email: help@expresscartitleloans.com
  2. Hardware and Software Requirements. To receive SMS Statement Notifications that we make available to you, you must have:

an SMS-capable mobile phone;

an active mobile phone account with a communication service provider that offers SMS services;

sufficient storage capacity on your mobile phone

  1. Communications in Writing. All SMS Statement Notifications in electronic format shall be considered “in writing” to the extent law allows.
  2. Charges. There is no service fee for SMS Statement Notifications. Still, you are responsible for any charges, including, but not limited to, fees associated with text messaging, imposed by your communications service provider. Consult your mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your phone bill.
  3. Other Important Terms. Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold us harmless from and against any claims, losses, liability, cost and expenses (including reasonable attorneys’ fees) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. SMS Statement Notifications are provided for your convenience only. We will not be liable for losses or damages arising from any delay in delivery or disclosure of account information to third parties by your communication service provider. We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you, any other user, or a third party. We reserve the right to modify these Terms of Use occasionally without notice. Please review these Terms of Use from time to time so that you are promptly notified of any changes.