Consumer Disclosures

X Título LLC is a financial technology platform. It does not lend money, does not set your rate, and does not approve or decline anyone. Financing is originated by participating licensed lenders, each responsible for its own licensing, underwriting and compliance in the states where it operates.

Checking your options does not guarantee that you will receive an offer, or that an offer will be for the amount you requested. A lender may decline, may offer less, or may ask for more information.

Estimated auction value, estimated maximum credit line and any rate shown before underwriting are illustrations generated from the information you supplied and from public vehicle data. Real terms come only from the lender's own documents.

Vehicle-secured credit typically allows a line up to about 60% of estimated vehicle value. That is a guideline, not a promise.

A vehicle-secured line of credit is secured by your car's title. If the loan is not repaid according to its terms, the lender may have the right to repossess the vehicle under applicable state law. Read the lender's documents carefully before signing.

Participating lenders may operate a performance-based rate program in which on-time payment history can qualify a borrower for a rate review over time. Any rate reduction is decided by the lender, is not automatic, and a missed or late payment can reset progress.

XCredit is X Título's internal performance score. It measures your activity on this platform. It is not a FICO® Score, it is not issued by Experian, Equifax or TransUnion, it is not furnished to consumer reporting agencies, and it does not determine whether any bank or lender will approve you.

Credit-building content and any referral to an independent third-party service are optional and educational. X Título does not repair credit, does not remove accurate information from a credit report, and does not promise a score increase or approval anywhere.

Online fee payment is turned off. X Título does not ask consumers for money to check options, to submit a file, or to be matched with a lender. If anyone contacts you claiming otherwise, do not pay and tell us at support@xtitulo.com.

You can request a callback or ask X Concierge to hand you to a team member at any time. During business hours a person will pick up your file directly.