Collection practices

If you are unable to repay your loan, collections efforts may begin immediately. Debt collection efforts may include the following: telephone calls to your home or place of employment between the hours of 8:00 a.m. and 9:00 p.m., voicemail messages, notices by mail, email (in accordance with CAN-SPAM Act) and text messaging (in accordance with FCC Regulations for SMS opt-in). Debt collectors may not harass you, make false statements, threaten arrest, or engage in any other unfair practices.


You can choose to pay off your loan at any point during the term of the loan. Should you choose to pay off your loan early you would be responsible for the principal and the interest that was accrued for the number of days that you held the loan. There are no fees or penalties associated with paying a loan off early.

We may take steps to verify the accuracy of the information you have provided including, but not limited to, clear vehicle title, your social security number, driver’s license number, national ID, or any other state or federal identifications. We may review your information against other national databases to determine your credit worthiness or credit capacity.

Financial implications

If you are unable to repay your loan in a timely manner, we may pursue payment through collections which could result in you being responsible for additional legal fees and court costs. If we decide to take action in the form of repossession of the collateral, any such action would be in compliance with all provisions of A.R.S., Title 47, Chapter 9.