Consumer Disclosures

Cash Cow promotes the informed use of Consumer credit by rigidly adhering to federal and state regulations requiring Disclosures about interest rates, rollover limits, fees, charges and terms. Before consumers assume any obligation they will be presented, in writing, with the exact rates, fees, and other details of their car title loan as required by federal and state Law.

Submitting your inquiry on this website incurs absolutely no obligation. Based on the inquiry you submit, a Cash Cow customer service representative will call you to discuss your title loan needs.

As noted above, federal and state law requires disclosures about the terms and cost of consumer credit. All rate and fee information will be disclosed to you by Cash Cow at the location before you sign any agreement. Please review all the rate information provided to you by our customer service representative thoroughly and completely before signing any agreement. You are under no obligation to accept the terms provided by Cash Cow.

Should an unexpected emergency arise which prevents you from making a payment pursuant to the terms of your agreement, representatives at Cash Cow are trained to work with you to bring your account back into good standing. For Title Loans: Your vehicle will be pledged to Cash Cow as collateral. If you fail to make a payment pursuant to the terms of your agreement, your vehicle may be repossessed and sold. Additional charges may also apply.

Refinances are permitted. Check your agreement for all terms and conditions.

There exists a common misconception that a poor credit history may result in a higher interest rate for title loans. With Cash Cow your credit score does not affect the interest rate, fees or charges determined for a title loan.

Cash Cow undertakes all collection activity in strict compliance with the provisions of the Federal Fair Debt collection Practices Act enforced by the Consumer Financial Protection Bureau and other Federal Agencies. Cash Cow follows all applicable laws, rules and regulations. Applicable provisions of the Fair Debt Collection Practices Act prohibit the following:

• Contacting consumers by telephone before 8 a.m. or after 9 p.m.
• Contacting consumers by phone with the intent to annoy, harass, etc., or using abusive language at anytime.
• Collecting debt through deception or misrepresentation.
• Threatening legal recourse when no legal action is intended.

Non-Discrimination Policy: In accordance with federal law, this institution prohibits and does not tolerate discrimination towards applicants, prospective applicants, individuals with whom an applicant is affiliated, or customers on the basis of race, color, religion, national origin, sex, age, marital status, public-assistance status, exercise of rights under the Consumer Credit Protection Act, or other protected classification. This policy applies throughout the loan process, from prequalification to application, underwriting, closing, funding and servicing. For more information, please call the Compliance Department at 770.552.9840.

SMS/Text Message Terms & Conditions

By opting in to receive SMS text messages, you authorize Cash Cow. (“we” or “us”) with express consent to send you text messages about your loan, such as payment reminders. You may also opt in to receive marketing messages about other services we offer, including special offers for which you may be eligible. In doing so, you agree and expressly consent to be contacted by us, our agents, employees, and/or affiliates through the use telephone calls and/or SMS text messages to any cellular number you provide in conjunction with your account, including contacts through the use of automatic telephone dialing systems, autodialers, 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 information personal to you. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access on your cellular device. Downloadable content may incur additional charges from your wireless carrier. Please contact your wireless carrier for information about your messaging plan.

We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator.

Opting-Out to Stop Text Messaging

If you wish to stop receiving text messages from us, type STOP in the reply text you send us or, if available, access any opt-out link at the bottom of the text message. Your stop request will become effective within one day.

SMS Help or Support

For help or additional information regarding our texting services email us at webquestions@clacorp.com, call us at 800-922-8803, or reply "HELP" to the message you receive at any time from your mobile device.