Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Memphis Title Express, 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

Memphis Title Express is NOT a lender. Memphis Title Express is not a direct lender. We are a matching service that connects borrowers with third-party lenders. We do not make credit decisions or provide loan offers directly to consumers. 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

Memphis Title Express is not a direct lender. We are a matching service that connects borrowers with third-party lenders. We do not make credit decisions or provide loan offers directly to consumers. 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

Lenders in our network may perform credit checks or verify your information through alternative databases. Submitting an inquiry form does not guarantee you will be connected 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

APR (Annual Percentage Rate) for title loans in Tennessee is approximately 264%, consisting of a 2% monthly interest rate and a 20% monthly customary fee. Actual APR may vary by lender and is subject to state regulations.

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 pledge agreements in Tennessee are governed by the Tennessee Title Pledge Act (T.C.A. 45-15-101 et seq.). The maximum loan amount is $2,500, and agreements are typically for 30-day terms.

9. Limitation of Liability

Memphis Title Express 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].