DISCLOSURES FOR VEHICLE SECURED LOANS MADE BY CAPITAL COMMUNITY BANK
The ChoiceCash loan is made by Capital Community Bank, a Utah charted bank located in Provo, Utah, member of the FDIC. All loans will be serviced by LoanMart. Loan proceeds are intended primarily for personal, family and household purposes. Capital Community Bank does not offer or service student loans.
1All loan applications are subject to meeting Capital Community Bank’s credit criteria, which include providing acceptable property as collateral. Customers need to demonstrate ability to repay the loan. Not all applicants are approved. Application process could take five (5) minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 5 PM PST on a business day.
2An automatic payment and interest rate reduction will occur each month up to an overall interest reduction rate of 36%, while your loan meets all of the following eligibility criteria: (1) the loan must be less than 90 days past due at all times, (2) the loan cannot have been modified, (3) the vehicle cannot have been repossessed, and (4) the loan cannot have reached its original maturity date. If at any time the loan does not meet all of the above eligibility criteria, the loan will no longer qualify for any automatic payment and interest percentage point reduction.
3The Annual Percentage Rate (APR) is 170% with a repayment period of 36 months. A loan example: a 3-year $3,000 loan with an APR of 170% has 36 scheduled monthly payments of $428.64.
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