Terms & Conditions
Last updated: May 15, 2026
Important: Speedy Title Loans collects the information you provide on this and subsequent forms to match you with a personal-loan lender based on your complete application. While we are able to help many people with bad credit and no credit achieve approval, we are not able to help everyone. We do not guarantee approval.
We have Loan Providers that can issue pre-approvals without performing any credit check, and other Loan Providers that can issue pre-approvals and approvals via a soft credit check (no impact to your credit score or rating). Once matched with a lender, it is possible that they will need to collect additional information from you, including your SSN, for the purpose of doing a soft credit inquiry. There is no impact on your credit score or rating when a lender performs a soft credit inquiry. Once pre-approved, for the intent of finalizing and financing your loan, some lenders may need to perform a hard credit inquiry.
If you submit an application for a loan request that requires a credit check in order for funding to be accomplished, you are providing written consent under the Fair Credit Reporting Act for Speedy Title Loans and its lenders with whom you are matched to obtain consumer-report information from your credit profile or other information from our contracted credit bureau. You understand and agree that you are applying for credit, and are consenting to the use of your consumer-report information by Speedy Title Loans and its lenders to conduct anti-fraud security checks and evaluate your application for credit. Your application may be matched with multiple lenders, each of whom may obtain consumer-report information from your credit profile.
Prospective lenders will evaluate your application information to determine whether they can offer you a personal loan. Speedy Title Loans does not guarantee that it will be able to place you with a lender in its direct network or that your loan application will be approved by any lender. Each lender will make its own approval decision, based on the specific criteria applicable to the loan program for which you have applied.
The operator of this website is not a lender and does not make loan or credit decisions in connection with its loan-matching service. Completion of this application in no way guarantees that you will be approved for a personal loan. This site will attempt to match you with a personal-loan lender based on your application. This service is not available in all states and the states serviced by this website may change from time to time and without notice. Not all lenders can provide up to $35,000. Repayment terms vary by lender and local laws, and not everyone will qualify for maximum borrowing terms.
SMS / Text Message Program Terms
Program description. When you provide your mobile number on speedytitleloans.com and check the box giving us your express written consent, you agree to receive SMS/text messages from Speedy Title Loans related to your loan application, including status updates, requests for additional information, appointment reminders, and notifications that a representative will be contacting you.
Message frequency. Message frequency varies based on the activity of your application. You may receive several messages when your application is being actively reviewed and fewer at other times.
Cost. Message and data rates may apply. Speedy Title Loans does not charge for the messages; your wireless carrier may charge you for sending and receiving text messages according to your plan.
Opt-out. You can cancel the SMS service at any time by texting STOP to any message you receive from us. After you send STOP, we will send you an SMS confirming your unsubscription. After that, you will no longer receive SMS messages from us. If you want to join again, sign up as you did the first time, and we will start sending messages to you again.
Help. If at any time you forget what keywords are supported, just text HELP to any message you have received from us. After you send the message HELP to us, we will respond with instructions on how to use our service as well as how to unsubscribe. You can also contact us at info@speedytitleloans.com for additional help.
Carriers. Carriers (including, but not limited to, AT&T, T-Mobile, Verizon, Sprint, U.S. Cellular, Boost, MetroPCS, and Cricket) are not liable for delayed or undelivered messages.
Privacy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for full details on how we handle your data.
Consent is optional. Consent to receive text messages is not a condition of purchasing any goods or services. Providing a mobile number is not a condition of purchase or service.
Accessing Our Site
You may only use the site if you live in the United States and are at least 18 years old. We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend, or discontinue any aspect of the site. We may also impose limits on certain features of the site or restrict your access to part or all of the site without notice or penalty. Speedy Title Loans does not charge users for use of the site, and does not charge any fee to users upon successful completion of a personal loan.
User Data; Consent to Contact
During your use of the site, you may be asked to provide information or materials to us (“User Data”). User Data includes information you submit with a loan application. Our information collection and use practices with respect to User Data are set forth in our Privacy Policy, which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Data.
By choosing to apply for a loan product through the site, you consent to be contacted by the lenders in our network via e-mail or telephone. Once your information is submitted to these lenders, any request to opt out or unsubscribe from their communications must be directed to them.
You expressly authorize the third-party lender you are matched with to share among its affiliates, loan servicers, and bank partners any transaction history related to your financial products or services received or serviced through the third-party lender for the purpose of evaluating you for credit.
Disclaimer of Warranties
The information and services on this site are provided “as is” and for informational purposes only. Speedy Title Loans makes no representations or warranties that the site will be suitable for your needs, is accurate, complete, current, reliable, or free from errors, inaccuracies, or typographical mistakes. Speedy Title Loans disclaims all warranties, express or implied, including warranties of merchantability or fitness for a particular purpose or non-infringement of the rights of others.
Limitation of Liability
IN NO EVENT SHALL SPEEDY TITLE LOANS OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE AND THE SERVICES OFFERED HEREBY, OR THE CONTENT, MATERIALS, AND FUNCTIONS RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED FIVE DOLLARS ($5.00).
Agreement Not to Bring Class Actions
To the extent permitted by law, you agree that you will not bring, join, or participate in any class action as to any claim, dispute, or controversy you may have against us, our employees, officers, directors, service providers, or assigns. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually.
Agreement to Arbitrate All Disputes
To the extent permitted by law, you agree that any claim or controversy arising in connection with your use of the website or the services provided by Speedy Title Loans shall be determined by binding arbitration before a single arbitrator. The arbitration shall be administered by JAMS pursuant to JAMS’ Streamlined Arbitration Rules and Procedures. Judgment on the award may be entered in any court having jurisdiction. This clause shall not preclude you or us from seeking injunctive relief from a court of appropriate jurisdiction.
Updates
These Terms and Conditions are subject to change from time to time and at any time, and such changes will be effective upon posting to the site. Use of the site following any modifications to the Terms and Conditions signifies your acceptance of such modifications.
Applicable Laws
Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the site or these Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Disclosure and Example of Title Loan Rate & Fees
Loan approval is subject to meeting the lender’s credit criteria, which may include providing acceptable property as collateral. Actual loan amount, term, and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Repayment terms are greater than 90 days and up to 36 months. Loan proceeds are intended primarily for personal, family, and household purposes. Minimum loan amounts vary by state.
The following chart contains examples that illustrate the cost of a loan to the borrower. It is for informational purposes only to show how APR works. Not all consumers will qualify for the representative examples below. Final rates, terms, and fees may vary by lender. If you are offered a loan, you will have the opportunity to review the final offer before accepting. Providing your information on this website does not guarantee approval for a product offering. There is no charge to use this website. Speedy Title Loans may receive compensation from lenders and advertisers in certain circumstances.
| Number of Months | APR | Finance Charge | Amount Financed | Minimum Monthly Payment | Total of Payments |
|---|---|---|---|---|---|
| 12 (minimum) | 35.9056% | $535.44 | $2,615.00 | $256.60 | $3,150.44 |
| 24 | 35.9047% | $1,086.68 | $2,615.00 | $151.24 | $3,520.80 |
| 36 (maximum) | 35.952% | $1,692.37 | $2,615.00 | $117.70 | $4,307.37 |
Additional disclosures
- There are no penalties for making additional payments or prepayment.
- APR is calculated based on all installment periods being of equal length.
- Additional fees: Lien fee of $15.00 is financed. Prepaid Documentation Fee is $75.00 for loans up to $4,999, or 5% for loans of $5,000 or more.
- Speedy Title Loans utilizes the FICO scoring method when credit score is a factor in determining customer creditworthiness.
- Maximum APR: 35.952%.
Contact Us
Questions about these Terms?
Speedy Title Loans
151 Calle San Francisco #200
San Juan, PR 00901
Phone: (866) 515-6592
Email: info@speedytitleloans.com