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Need emergency cash today?
Unlock the cash
in your car
My Email
My Car
Don’t Get a Title Loan...
Get a Finova Car Equity Line of Credit (C-LOC)
Instant Decisions
Get Cash in Less than 10 mins
30% Maximum APR
12 months to repay
Part of each payment
goes towards principal
Why Finova?

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.

Amount Received


Amount Financed


Monthly Payment


Total of Payments


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.

Again, that means:
Good credit not required
Pay online or at Walmart
or 30K MoneyGram locations
Online and mobile
anywhere 24x7
Helps rebuild
Earn access to more
money and lower rtes
Finova’s C-LOC reimagines the old auto title loan industry with better rates, speed, and convenience. Now, it’s faster, cheaper, and online 24/7!
Customer Experience
Car Title Loan
Finova C-LOC
Term 30 Day Debt Trap - Average consumer renews 8 times prior to repayment. Paying only interest. Minimum 12 Month Pathway Back to Financial Health. Each payment includes a portion towards principal.
Loan costs Average Cost of 304% APR. Less than 50% of National Cost.
Principal reduction Average customer makes 8 monthly interest only payments prior to paying off principal. Each payment reduces a portion of the principal balance.
Rebuilds credit Information not shared positive payment history not reported to credit bureaus. Resulting in responsible borrowers charged perpeturally high rates to subsidize non performing borrowers. Positive payment history improves your FinovaScore and provides increasingly lower rates and access to an ongoing credit revolver for emergency purposes.
Possibility of lower rates Not available. Successful borrowers see their rates go down over time.
Convenience of monthly payments Must pay in person at the auto title store. Pay online and Mobile Anywhere 24x7 or at any Walmart, CVS, 7-ELEVEN or 30K+ MoneyGram locations.
Online and mobile available 24x7 Must apply at store. Aveage initial loan approval time of 2 hours. Apply instantly online or via mobile device 24x7. Online application takes less than 5 minutes.
Access to revolving credit line Not available. Upon successful repayment history and you get access to an ongoing credit line with declining rates.
Loan approval time Must visit store in preson during business hours. Manuarl loan process takes roughly 2 hours. No need to rush around to find an open store during business hours. Instant online approval conveniently available anytime and anywhere via mobile or internet connected device.
Security of personal & confidential information In store manual paper process and filing exposes senstive personal data to numerous store level employees. Finova's proprietary technology platform automates the consumer data collection process and limits the access to sensitive personnel data. Our platform is secured by financial service industry grade encryption.
Good credit not required
No hidden fees Hidden terms, fees, and conditions that confuse clients. Transparent terms and conditions easy to understand no surprises.
No rollovers 30 Day Debt Trap designed to keep the consumer in a constant state of rollover. No rollovers we work with you if you get in a trouble and provide a minimum 12 month pathway back to financial health.
Personal financial dashboard Not Available must call store during business hours to understand current loan status. Realtime dashboard provides loan status available anytime, anywhere via mobile or internet device. Access credit revolver, Finova points, request loan information, get payoff amount, eletronically sign loan documents.
Instant decisions Must visit the store personally during business hours to find out if you qualify. Get your decision instantly online 24x7 in 10 minutes.
Finova Points Not available. Earn Finova Points that allow you to lower your rate or get an automatic payment extension by paying ontime or increasing your financial know how online.
Financial Education Not available. Learn about credit to insure your finacial future. The more your learn the more Finova points you receive.
How to apply?
Fill out the form
Provide details about your car
Get pre-approved instantly
Log-in to fill out a short
application form
Get approved and cashed out!
See how much you can borrow
No credit check
We use our own Finova software to assess your creditworthiness and future loan performance. That's why you can obtain a loan with a fair interest rate, even if you have little or no credit. Finova technology is the key to greater financial inclusion.
Lower monthly payments
Finova’s online Car Equity Line of Credit(C-LOC) costs 50% less than the national average. We better assess the creditworthiness of our clients and approve more loans than most other lending companies. Our innovative approach and automated online process makes it possible to provide a loan for you at a lower, more reasonable cost.
Transparent rates and fee structure
We make our rates and fee structure completely clear before you make the decision to accept a loan. Fill in this form to get a preliminary financing decision immediately. Log-in to the website user area, supply your information, and you'll receive an exact cost for your loan. It's just that simple.
We understand emergencies
We know life has emergencies and with Finova you accrue Finova Points with each timely payment. If you need to move your payment to a later date, you can do so by using your saved Finova Points. We care about your financial, physical, and psychological health.
Get One Year or More to Payback
You can borrow money from Finova with a minimum 12-month repayment term. Most lenders offer only short-term loans, Finova loans provide a minimum 12 month pathway back to financial health. This is why we are good for: (1) smart, emergency loans; (2) an option to consolidate other loans; or (3) others seeking fast affordable loans.
We help you improve your Credit Score
We make your Finova Score performance count. As you accrue a score for your submitted payments, you are also building your pathway back to financial health. We help you regain your financial health faster and more easily than before.
Consumer hotline
Toll free. Available 24/7
+1 (844) 576 0862
DISCLOSURES: Finova Financial loans are made pursuant and regulated by: Florida Office of Financial Regulation, under Statute 516; Florida Consumer Finance License. We provide loans based on the equity of a vehicle and our liberal credit policies. We require a lien free Title (a first lien will be placed on the title which you are pledging as collateral for the loan), minimum income requirements, the consumers ability to repay the loan, proof of residency (such as a utility bill), a valid state issued ID/Drivers License, and information from credit bureaus. Please call +1 (844) 576 0862 for any further assistance or questions. This is an expensive form of credit. Not everyone will qualify. Finova Financial loans are designed to help you meet your borrowing needs. This service is not intended to provide a solution for all credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. Refinancing may be available and is not automatic. Refinancing your loan will extend the term of the loan and result in additional interest charges. Late fees and non-sufficient funds/returned item fees may apply as described in your Loan Agreement. We will never charge you any "hidden fees" that are not fully disclosed in the Loan Agreement. If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. All of our collections methods will be in accordance with the guidelines of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one or more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may repossess your pledged vehicle and sell at auction, or place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. You have the option of having the required comprehensive and collision to be prepaid for the life of the loan term OR you can choose an optional Voluntary debt cancellation addendum. This is available only as a voluntary option. If you choose the waiver, it will be included and amortized in your monthly payment. You pay interest only for the time your loan is outstanding, there is no prepayment penalty. Complete disclosures of APR, fees and payment terms are provided within the loan agreement. Finova Financial loans are made pursuant and regulated by: Florida Office of Financial Regulation, under Statute 516; Florida Consumer Finance License with interest rates up to 29.99% per year, based on the amount borrowed.

4521 PGA Blvd, Suite 226, Palm Beach Gardens, FL, 33418
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+1 (844) 576 0862
24/7 Customer Service Available

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+1 (844) 576 0862
24/7 Customer Service Available

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