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About Us
Fast affordable online loans based on the equity in your car

Finova Financial is transforming the FinTech industry as a socially responsible online lender, providing fast, affordable emergency loans based on the equity in your car. Founded in 2015 by a team of financial services, technology and payment experts, Finova delivers a path to financial well-being and fair lending for the 70 million financially underserved Americans that spend $138 billion in fees and interest annually on alternative financial products.

Finova’s Car Equity Line of Credit (C-LOC) costs up to 70% less than the current national average, provides around-the-clock access to capital, and a 12-month payback plan.

Finova clients benefit from the ability to complete the loan process online, instant approval decisions and same day cash funding. The Finova client portal provides personalized access to our financial dashboard allowing real time management of your financial health. Payments can be made from the convenience of any computer or mobile device and at 32,000 US retail locations.

The C-LOC loan offering is the first of a full menu of digital financial services products that Finova Financial plans to offer to the millions of consumers outside the formal financial system who are seeking financial solutions that fit their needs and lifestyle. Finova is building the digital bank of the future for the 28% of Americans who are outside of the traditional banking system.

Investors

Finova Financial backers include Silicon Valley investors MHS Capital, Refactor Capital, CoVenture, Metamorphic Ventures, and 500 Startups; Al Hamra Group, a private company owned by United Arab Emirates’ ruling family, Ras Al Khaimah; and others.

500
coventure
refactorcapital
mhscapital
alhamra
compound
Awards

Fintech

Global Fintech Innovators Emerging Star

Fintech Awards

Lending Innovation Firm of the Year

ACQ

Gamechanger of the Year Financial Lending

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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