We here at First Choice Auto Loan strive to help you end the struggle of finding the perfect auto loan at the best interest rate. In order to help achieve this goal as quickly and efficiently as possible, we collect and utilize consumer information.
PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING THE SITE.
Once you submit the form(s) to First Choice Auto Loan, we share your information with one or more participating vendors. By submitting the form(s), you understand and agree that you are submitting an inquiry about a loan product to First Choice Auto Loan and each of the participating vendors to whom First Choice Auto Loan transmits your loan request. By submitting the form(s), you are extending an express request to First Choice Auto Loan and each of their participating vendors with whom your information is shared to contact you by any means (including, without limitation, email, telephone, text and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.
Participating vendors who receive your information from First Choice Auto Loan review your information in real-time to determine whether your information meets the vendor's loan qualification criteria. Participating vendors may, among other things, verify your social security number, perform a credit check, and review your information against national databases that tracks consumer transactions with lending institutions. By submitting the form, you agree to allow participating vendors to review, verify, and research your information in such manner.
First Choice Auto Loan is not a vendor and does not make loan or credit decisions in connection with its loan matching service nor does it guarantee acceptance into any particular loan program or specific loan terms of conditions with any participating vendor. First Choice Auto Loan does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by participating vendors through the loan matching service are the best terms available in the current market.
First Choice Auto Loan does not endorse or recommend the products or any particular vendor. It is not an agent of you or any participating vendor. First Choice Auto Loan is not involved with the vendor's use and/or review of your application information or in making a determination about whether you meet a particular vendor's loan qualification criteria. The vendor is solely responsible for its services to you, and you agree that First Choice Auto Loan shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan matching service. You understand that participating vendors may keep your application information, whether or not you are qualified for a loan with them.
First Choice Auto Loan reserves the right to change any information, features and/or functions of the loan matching service without prior notice. First Choice Auto Loan reserves the right to deny you access to all or part of the services without prior notice. It specifically disclaims any responsibility for any errors or delays in providing the loan matching services caused by errors in any of the application information provided by you or by any technical problems beyond its control.
Annual Percentage Rate
First Choice Auto Loan is not an actual lender, and therefore does not make credit decisions or determine actual APRs (Annual Percentage Rate) if you are connected with a lender. We direct your attention to your lender for the full and appropriate disclosure of both the interest rate and APR for your loan.
Credit Report Authorization
By submitting your loan request, you are providing express written consent under the Fair Credit Reporting Act for each lender to whom we transmit your information to obtain, in response to your inquiry, a credit check or consumer report from a consumer reporting agency. This credit check can include a hard pull, which may impact your credit score.
By submitting your loan request, you are providing express written consent under the Telephone Consumer Protection Act to be contacted by each lender to whom we transmit your information, and their affiliates and service providers, by telephone at the numbers you have provided, even if your phone number is on any Do-Not-Call registry, and you agree to receive telemarketing calls or SMS text messages made with an automatic telephone dialing system or that use a prerecorded voice. Consent is not required in order to purchase goods and services from us or the lenders that reach out to you.
Disclaimers and Limitations:
THIS WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS". First Choice Auto Loan EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. First Choice Auto Loan MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THIS WEBSITE AND/OR THE First Choice Auto Loan SERVICE IS AT YOUR OWN RISK. First Choice Auto Loan AND/OR ITS PARTICIPATING VENDORS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY CONNECTED WITH THE USE OF THIS WEBSITE AND/OR SERVICES OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION, SOFTWARE PRODUCTS AND SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF First Choice Auto Loan OR ITS PARTICIPATING VENDORS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF First Choice Auto Loan, ITS PARTICIPATING VENDORS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
As a condition of using this website and/or the services offered herein, you agree to indemnify First Choice Auto Loan and its participating vendors from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this website, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.
Links to Third Parties:
This website contains links to other websites operated by participating vendors or other third parties. Such links are provided for your convenience and reference only. First Choice Auto Loan does not operate or control any information, software, products or services available on such third party sites. Its inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND THE COMPANY WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP Y OUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. BY USING First Choice Auto Loan'S SERVICES YOU CONSENT TO THESE RESTRICTIONS. IF YOU DO NOT AGREE TO THESE RESTRICTIONS, DO NOT ACCESS THEIR WEBSITE.
These Terms constitute the entire agreement between you and First Choice Auto Loan. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by First Choice Auto Loan to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. First Choice Auto Loan may amend these Terms at any time by posting the amended terms on its website. All amended terms are automatically effective immediately, upon posting.