Affiliate Disclosure

TitleHarbor is a lead generation and marketing company. We operate a website that provides information about title loans and collects inquiries from consumers who are interested in obtaining a title loan.

We are not a lender, loan broker, or loan servicer. We do not make loans, process loan applications, make credit decisions, or fund loans. We do not represent any specific lender.

When you submit a loan inquiry through our website, we share your information with lenders in our network who may be able to offer you a loan. If a lender contacts you and you engage with them, we receive a referral fee from the lender.

This compensation model is similar to how many comparison and matching services work across various industries. The fee we receive comes from the lender's marketing and customer acquisition budget.

We work with a network of third-party lenders who have agreed to receive lead referrals from us. These lenders are independent businesses and not controlled, owned, or operated by TitleHarbor.

We require lenders in our network to:

• Be properly licensed in the states where they operate
• Provide clear disclosure of loan terms
• Comply with applicable federal and state laws
• Maintain reasonable customer service standards

However, we cannot guarantee the actions, products, or services of any lender. You should carefully review all terms and conditions before accepting any loan offer.

Does This Cost You More?

No. The referral fee we receive is paid by the lender from their marketing budget. It is not added to your loan cost as a separate fee.

Lenders factor customer acquisition costs into their overall business model, just as they would factor in the cost of advertising, retail locations, or other marketing efforts. Whether you find a lender through TitleHarbor or directly, the loan terms offered should be based on the same criteria.

How We Select Lenders

The lenders who receive your information may be selected based on various factors, including:

• Whether the lender operates in your state
• The loan amount you're seeking
• The information you provide in your application
• Lender availability and capacity
• Compensation arrangements with lenders

Important: The compensation we receive from lenders may influence which lenders receive your information. However, we do not guarantee any specific loan terms or rates, and all lenders in our network meet our baseline quality standards.

What We Don't Control

TitleHarbor does not control:

• Interest rates or APR offered by lenders
• Loan fees or charges
• Loan approval or denial decisions
• Loan amounts offered
• Repayment terms
• Collection practices
• Any other aspect of the loan transaction

All loan terms are set by the individual lenders based on their own underwriting criteria and business decisions.

Important Warning About Title Loans

Your Responsibility

Before accepting any loan offer, you should:

• Read all loan documents carefully
• Understand the total cost of the loan including all fees and interest
• Know what happens if you cannot make payments
• Ask questions about anything you don't understand
• Consider whether you can realistically afford the payments
• Explore alternatives before committing

By using our service, you acknowledge that you understand our business model and the nature of title loans.

Questions?

If you have questions about this disclosure or our business practices, please contact us:

• Email: disclosure@titleharbor.com
• Phone: 1-800-TITLE-00
• Mail: TitleHarbor Compliance, 123 Main Street, Suite 100, Dallas, TX 75201