Consumer Disclosure
FEDERAL & STATE REGULATIONS
Click Capital Now promotes the informed use of consumer credit by strictly adhering to all federal and state regulations that require disclosures about interest rates, rollover limits, fees, charges, and terms. Before you take on any obligation, you will receive a written disclosure of the exact rates, fees, and other details of your car title loan, installment loan, or payday loan as required by law.
SUBMITTING YOUR INQUIRY THROUGH OUR WEBSITE
Submitting an inquiry on this website incurs absolutely no obligation. Based on your inquiry, a Click Capital Now customer service representative will contact you to discuss your title loan, installment loan, or payday loan needs.
DETERMINATION OF INTEREST RATE / FEES / CHARGES
Federal and state law requires full disclosure of the terms and cost of consumer credit. All rate and fee information will be provided to you by Click Capital Now before you sign any agreement. Please review all rate information thoroughly before signing. You are under no obligation to accept the terms offered.
LATE PAYMENT POLICY
If an unexpected emergency prevents you from making a payment according to your agreement, representatives at Click Capital Now are trained to work with you to restore your account to good standing. For title loans: your vehicle will be pledged as collateral. If you fail to make a payment as agreed, your vehicle may be repossessed and sold. Additional charges may also apply.
REFINANCE POLICY
Refinances are permitted. Please consult your agreement for complete terms and conditions.
CREDIT CHECKS
A common misconception is that a poor credit history results in a higher interest rate for title or payday loans. With Click Capital Now, your credit score does not affect the interest rate, fees, or charges determined for title, payday, or installment loans.
FAIR DEBT COLLECTION PRACTICES
Click Capital Now conducts all collection activity in strict compliance with the Federal Fair Debt Collection Practices Act and other applicable laws. We follow all relevant rules and regulations, including:
Not contacting consumers by phone before 8 a.m. or after 9 p.m.
Not contacting consumers by phone with the intent to annoy, harass, or use abusive language.
Not collecting debt through deception or misrepresentation.
Not threatening legal action unless such action is intended.
SMS / TEXT MESSAGE TERMS & CONDITIONS
By opting in to receive SMS text messages, you authorize Click Capital Now (“we” or “us”) to send you text messages about your loan, such as payment reminders. You expressly consent to be contacted by us, our agents, employees, and/or affiliates through telephone calls and/or SMS text messages by automatic telephone dialing systems, auto dialers, or an artificial or prerecorded voice.
Your cellular provider’s message and data rates may apply to our SMS messages.
Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, the date and time, and content of your messages. Data we provide to you may include account information, payment amount or due dates, and other personal information. Some text messages may include links to websites; to access them, you will need a web browser and Internet access. Downloadable content may incur additional charges from your carrier. Please contact your carrier for information about your messaging plan.
We are not liable for any delays in the receipt of SMS messages, as delivery depends on effective transmission from your network operator.
Opting Out of Text Messaging
If you wish to stop receiving text messages, type STOP in your reply, or use any opt-out link provided in the message. Your request will become effective within one day.
SMS Help or Support
For help or more information regarding our texting services, email us at Apply@clickcapitalnow.com , call us at 208-401-3777, or reply “HELP” to the message you receive at any time from your mobile device.
