Terms of Service | Urgent Car Credit

Last Updated: October 26, 2023

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE.

Welcome to the Urgent Car Credit website located at www.urgentcarcredit.com (the “Site”). The Site is owned and operated by Urgent Car Credit (“we,” “us,” “our”). These Terms of Service (“Terms”) govern your access to and use of our Site and the services we provide, including our automotive loan referral and application services (collectively, the “Services”).

By accessing, browsing, or using the Site, or by submitting a credit application, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not use this Site or our Services.

1. Services Description

Urgent Car Credit acts as a connector between individuals seeking automotive financing (“customers”) and a network of automobile dealers and lenders. We are not a direct lender. Our Service involves:

  • Providing an online platform for you to submit a credit application.

  • Reviewing your application and information.

  • Sharing your application with our network of affiliated automobile dealers and lenders (our “Partners”) to facilitate your search for an automotive loan.

  • Assisting in connecting you with a Partner who may extend a loan offer.

You understand that submitting an application does not guarantee that you will receive a loan offer, and any loan terms are solely between you and the lending Partner.

2. Eligibility

To use our Services, you must:

  • Be at least 18 years of age.

  • Be a legal resident of the United States.

  • Have a valid driver’s license.

  • Provide true, accurate, current, and complete information about yourself.

3. Credit Application and Authorization

By submitting a credit application through our Site, you acknowledge and agree that:

  • Accuracy of Information: You represent that all information you provide is true, accurate, and complete.

  • Credit Inquiry: You authorize Urgent Car Credit and its Partners to obtain your credit report from one or more consumer reporting agencies (credit bureaus) to evaluate your application for credit. This may result in a “hard inquiry” which will be visible to others and may affect your credit score.

  • Communication Consent: You expressly consent to be contacted by Urgent Car Credit and our Partners via telephone, email, text message (SMS/MMS), or automated dialing system at the number and email address you provide, even if your number is on a corporate, state, or national Do Not Call registry. You understand that consent is not a condition of purchase. Message and data rates may apply.

  • Sharing of Information: You authorize us to share your application and related information with our Partner dealers and lenders to facilitate your request for financing.

4. Intellectual Property

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and logos) are owned by Urgent Car Credit or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any material without our express written permission.

5. Prohibited Activities

You agree not to:

  • Use the Site for any illegal purpose or in violation of any local, state, national, or international law.

  • Submit false, misleading, or fraudulent information.

  • Use any device or process to interfere with the proper working of the Site.

  • Attempt to gain unauthorized access to any part of the Site or its systems.

6. Disclaimer of Warranties and Limitation of Liability

  • “As Is” Service: THE SITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

  • No Guarantee of Financing: WE DO NOT GUARANTEE THAT YOU WILL RECEIVE A LOAN OR ANY SPECIFIC LOAN TERMS THROUGH OUR SERVICES. THE LOAN DECISION AND TERMS ARE THE SOLE RESPONSIBILITY OF OUR PARTNER LENDERS AND DEALERS.

  • Limitation of Liability: TO THE FULLEST EXTENT PERMITTED BY LAW, URGENT CAR CREDIT SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, INCLUDING BUT NOT LIMITED TO DAMAGES RELATED TO CREDIT DENIAL, LOAN TERMS, OR ANY COMMUNICATIONS FROM OUR PARTNERS.

7. Indemnification

You agree to indemnify and hold harmless Urgent Car Credit and its affiliates, officers, agents, and employees from any claim, demand, or damage (including reasonable attorneys’ fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

8. Third-Party Links

Our Site may contain links to third-party websites, such as our Partner dealers and lenders. These links are provided for your convenience only. We do not control these websites and are not responsible for their content, privacy policies, or practices. Your interactions with third parties are solely between you and the third party.

9. Governing Law and Jurisdiction

These Terms and your use of the Site will be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law principles. You agree that any legal action or proceeding arising out of or relating to these Terms shall be filed exclusively in the state courts located in [Insert County, e.g., Milwaukee County] Wisconsin, or the federal courts of the United States located in Wisconsin.

10. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. The “Last Updated” date at the top of this page will indicate when changes were made. By continuing to access or use our Site after those revisions become effective, you agree to be bound by the revised terms.

11. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Urgent Car Credit
Email: support@urgentcarcredit.com