Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by ATX Auto Connect, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Service Description

ATX Auto Connect is NOT a lender. We are not a direct lender. We are a matching service that connects borrowers with third-party lenders. We do not make credit decisions, fund loans, or dictate loan terms. We provide a free service to connect consumers with lenders who may offer short-term loans. We do not make credit decisions, set loan terms, or charge fees to consumers.

3. Not a Lender

We are not a direct lender. We are a matching service that connects borrowers with third-party lenders. We do not make credit decisions, fund loans, or dictate loan terms. The actual lender is responsible for all aspects of the loan, including the application process, approval, funding, and collections. Loan terms, including APR, fees, and repayment terms, are set solely by the lender.

4. No Guarantee of Approval

Submitting a loan request through our Site does not guarantee that you will be matched with a lender or approved for a loan. Approval is at the sole discretion of the lender and depends on the information you provide and the lender's underwriting criteria.

5. Credit Checks and Reporting

Participating lenders may perform a credit check through standard credit bureaus (Equifax, Experian, TransUnion) or alternative providers. Submitting a request does not guarantee approval. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APRs for title loans vary significantly by lender, state, and your specific financial situation. Texas does not have a statewide cap on title loan APRs, which often means rates can exceed 300%. We do not control the rates you are offered.

7. Financial Responsibility

Short-term loans should be used for short-term financial needs only, not as a long-term financial solution. Borrowers with credit difficulties should seek credit counseling. You are responsible for carefully reviewing the loan agreement provided by the lender before accepting any loan offer.

8. State Regulations

Loan availability, terms, and regulations vary by state. Not all lenders operate in all states. In Texas, auto title loans are often structured through Credit Access Businesses (CABs). Austin city ordinances (Chapter 4-12) limit title loan amounts to 70% of the vehicle's retail value or 3% of your gross annual income, whichever is less.

9. Limitation of Liability

ATX Auto Connect shall not be liable for any damages arising from the use of this Site or any loan obtained through a lender connected via our service. All information is provided "as is" without warranty.

10. Contact

If you have questions about these Terms of Service, please contact us at [email protected].