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Low Rate Guarantee

Terms and Conditions*

We’re committed to providing low rates every day. So if you find a lower rate from a local, retail competitor on an identical product, show us and we’ll match it or give you a $25 gift card.

We gladly match the rates in the following types of Rates:

  • Any local, retail competitor’s advertised rates.
  • Any local, retail competitor’s verifiable list rate.

The following are guidelines and limitations:

  • Terms must be identical to the competitors offer (loan amount, loan length, etc.)
  • The rate match must be for a vehicle and borrower that meet our criteria for a loan, including, but not limited to, of legal age to get a loan, having a verifiable source of income, verification of application information, and having the disposable income to justify the loan.
  • Qualifying vehicle must be paid off, free from liens, validly licensed in the state of which the store is located, mechanically sound, and present at the store for a vehicle inspection.

We do not match the rates in the following:

  • Rates that are not verifiable.
  • Misprinted ad rates of other lenders.
  • Rates from an online source or a competitor that does not have a retail store within 20 miles of our store.
  • Any rate that omits the specific characteristic of the rate (Example: Rates from 99%).
  • Rates from a competitor that are not their list price (i.e. rates that are not the normal initial rate presented to new customers).

If we are unable to match the rate on a qualifying loan:

If for some reason you are able to find an offer that meets our terms and conditions above and we cannot match the rate, we will give you a $25 gift card. Limit one per person.

*American Title Loans reserves the right to update or modify the terms of the Low Rate Guarantee at any time. Only available at participating locations that advertise the Low Rate Guarantee.