Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Amarillo Title Pro, 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

Amarillo Title Pro is NOT a lender. Amarillo Title Pro is not a direct lender. We are a matching service that connects Amarillo residents with a network of third-party lenders. We do not make credit decisions or provide actual loan offers. 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

Amarillo Title Pro is not a direct lender. We are a matching service that connects Amarillo residents with a network of third-party lenders. We do not make credit decisions or provide actual loan offers. 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 credit checks with various credit bureaus or obtain consumer reports. Submitting your information on this website does not guarantee you will be matched with a lender or approved for a loan. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

Title loans in Texas involve high interest rates and fees. APRs can range from 200% to 500% or more. These loans are intended for short-term financial needs and should not be used as a long-term financial solution.

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. Title loans in Texas are governed by the Office of Consumer Credit Commissioner (OCCC). Lenders must be licensed as Credit Access Businesses (CABs). Borrowers have specific rights regarding loan disclosures and the right to rescind the loan within a specific timeframe.

9. Limitation of Liability

Amarillo Title Pro 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].