Welcome to a new era of affordable emergency loans. Finova’s C-LOC provides you instantly the emergency cash you need and best of all upon successful repayment history you get access to an ongoing credit line with declining rates.

Unlike a Title Loan, Finova’s Car Equity Line of Credit (C-LOC) is the best way to get the cash you need. We make it simple and clear what your costs will be upfront for our service and you have online access 24x7 to your personal loan portal to see all loan terms, payment schedule, payments made, and your contract so you can keep track of your progress.

• 30% Maximum APR
• Fees include: $75 DMV Lien Fee, $25 Credit Investigation Fee, $25 Annual Fee, Document Stamp Tax (Varies depending on loan amount). All fees are rolled into the life of the loan.
• Payback of loan is required in case of accident. If your insurance company will not provide coverage, we can arrange a Debt Cancellation Addendum. We are not affiliated with any insurance companies and receive no payments for referrals.
• Maximum repayment length of 12 months
• Minimum repayment time 12 months
• Pay off at any time with no prepayment penalty or fee

We will now provide example so you can see the cost of a typical loan. Assume you borrow $1,000 dollars at the maximum APR of 30% and you pay it back making payments on time.

In the above example, you will have paid $320 for your loan. We will have collected an effective rate of 22% on the amount financed.