Terms and Conditions
IMPORTANT: Imperial Valley Auto Loans collects the information you provide on this and subsequent forms to match you with a personal loan lender based on your complete application. Please note that 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 some 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 to 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. For more information on the difference between hard and soft credit inquiries and how they may affect your credit score, please visit: http://www.experian.com/blogs/news/2012/09/17/credit-score-myths/
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 Imperial Valley Auto 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 Imperial Valley Auto Loans and its lenders to conduct anti-fraud security checks and evaluate your application for credit. You understand that 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. Imperial Valley Auto 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 lenders and local laws, and not everyone will qualify for maximum borrowing terms of 72 months.
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 of or the entire Site, without notice or penalty. Imperial Valley Auto 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
By choosing to apply for a loan product through the Site, you consent to be contacted by the lenders in our network via email 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.
I expressly authorize the third-party lender I am matched with to share among its affiliates, loan servicers, and bank partners any transaction history related to my financial products or services received or serviced through the third-party lender for the purpose of evaluating me for credit.
DISCLAIMER OF WARRANTIES
The information and services on this Site are provided “as is” and for informational purposes only. Imperial Valley Auto 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. Imperial Valley Auto 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 Imperial Valley Auto Loans OR ANY OF OUR 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). THE ABOVE LIMITATION MAY NOT APPLY IN ALL JURISIDICTIONS OR TO ALL USERS. IF YOU ARE NOT IN AGREEMENT WITH THE FOREGOING, YOUR SOLE REMEDY IS TO TERMINATE THIS AGREEMENT AND DISCONTINUE USE OF THE SITE.
Agreement Not To Bring, Join Or Participate In 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, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney’s fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying.
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 Imperial Valley Auto Loans shall be determined by arbitration in Orange County, California before a singled 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.
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.
The Site and these Terms and Conditions are governed by the laws of the State of California without giving effect to any principles of conflict of laws. If any provision of these Terms and Conditions shall be held to be invalid, illegal or unenforceable, the remaining provisions shall not in any way be affected or impaired thereby. Any dispute arising from your use of this Site shall be brought exclusively in the appropriate state or federal courts of the State of California. Persons who choose to access this Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent applicable. 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 the Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Loans made or arranged pursuant to a California Finance Lenders Law License # 603F798 /603-A329 / 60DBO 45992 Arizona Department of Financial Institutions Sales Finance Company License.
Imperial Auto Loans, Inc. may act as the broker for the loan and may not be the direct lender.