Your browser Internet Explorer is out of date. Update your browser for more security, comfort and the best experience on this site.

Frequently Asked Questions
How does the Finova lending process work?

The process is simple and you can pre-qualify instantly! The whole process online only takes 10 minutes, pre-qualify to find out how much money you can get, complete an application, provide the necessary documents and get your money within minutes. Start online today by clicking here or call +1 (844) 576 0862 to get cash today!

What if I have bad, or no credit can I still get a Finova Car Equity Line of Credit (C-LOC)?

If you own your vehicle outright, and meet the loan criteria, you can receive a loan regardless of your credit.

What is required to be approved for a Finova Car Equity Line of Credit (C-LOC)?

You must own the vehicle in your name and have a lien-free car title;
You must be at least 18 years old with a driver`s license;
You must have proof of income (a recent pay stub);
You must have proof of residency (such as a utility bill).

When will I know if I am approved for a Finova Car Equity Line of Credit (C-LOC)?

You can pre-qualify instantly and finish the process in as little as 10 minutes.

How much cash can I get?

The maximum car Finova Car Equity Line of Credit (C-LOC) loan is $5,000. The loan amount is based on the value of your vehicle and your ability to repay the loan (monthly income). You can find out instantly how much by pre-qualifying now... Click here and find out immediately.

Is there a prepayment penalty?

No you can pay off your loan in full at any time and recieve your title back.

Where are your services currently available?

Finova C-LOC is available online 24/7 from any mobile or computer. Finova is currently lending only in Florida and is working hard bring our services to more states soon.

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
© 2016 Finova Financial - All Rights Reserved