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DISCLOSURES
For Loans Originated by Wilshire Consumer Credit
Arizona
Loans are made pursuant to an Arizona Department of Financial Institutions Sales Finance Company License and/or to an Arizona Department of Financial Institutions Consumer Lender License.
California
Loans made or arranged pursuant to a California Finance Lenders Law License.
Idaho
Loans are made pursuant to an Idaho Regulated Lenders License.
Illinois
Loans are made pursuant to an Illinois Consumer Installment Loan License.
Missouri Disclosures and Fee Schedule
We are registered with the Missouri Division of Finance as Wilshire Commercial Capital, LLC d/b/a Wilshire Consumer Credit.
Missouri Fee Schedule
The APR for our unsecured installment loans in Missouri ranges from 35.99% to 199.99% depending on your creditworthiness. Loan amounts range from $1,500 to $3,500 with a term of 24 to 48 months. The APR for our secured installment loans in Missouri ranges from 35.99% to 149.99% depending on your creditworthiness. Loan amounts range from $2,000 to $25,000 with a term of 24 to 48 months. Most loans will be charged an origination fee of $75.
There is no prepayment penalty. This means that you can pay off your loan at any time without penalty, and you will only be charged interest during the time that you have an outstanding balance. However, the origination fee is not refundable. If any payment is 15 days late, we charge a late fee of 5% of the delinquent unpaid amount of the installment, up to no more than $50.00.
New Mexico License and Disclosures
The APR for our unsecured installment loans in New Mexico ranges from 19.99% to 35.99% depending on your creditworthiness. Loan amounts range from $2,600 to $3,500 with a term of 24 to 48 months. The APR for our secured installment loans in New Mexico ranges from 19.99% to 35.99% depending on your creditworthiness. Loan amounts range from $2,510 to $20,000 with a term of 24 to 48 months.
There is no prepayment penalty. This means that you can pay off your loan at any time without penalty, and you will only be charged interest during the time that you have an outstanding balance. If any payment is 10 days late, we charge a late fee of 5% of the delinquent unpaid amount of the installment, up to no more than $10.00.
Ohio
Loans are made pursuant to an Ohio General Loan Law license.
South Carolina Disclosures and Fee Schedule
- South Carolina Consumer Rights Pamphlet
- South Carolina Max Rate Certificate
- Supervised Lenders License
Texas
Loans are made pursuant to a Regulated Lender License.
Utah
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USA Patriot Act Disclosure: Important information about procedures for opening a new account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Loans may be made by one of several lenders, including: Wilshire Commercial Capital L.L.C. dba 1 (800) Car-Title and Wilshire Consumer Credit, a licensed lender in certain states. Loans not available in all states. In California, loans are made pursuant to a Department of Business Oversight California Finance Lenders License. See State Disclosures for additional information.
Accessibility Statement. We are committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards in compliance with Web Content Accessibility Guidelines. For feedback on our website accessibility or if you have any problems with the access of our website please call our toll-free number 800-589-0290 or email us at WilshireCustomerCare@WilshireConsumer.com and we will assist you.
Wilshire Commercial Capital, LLC dba 1 (800) Car-Title and Wilshire Consumer Credit is located at 4727 Wilshire Blvd, Suite 100, Los Angeles, CA 90010.
TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL Tracy Bergiman, Director of Compliance, 4751 Wilshire Blvd. Suite 100, Los Angeles, CA 90010, 323-837-5775, tbergiman@westlakefinancial.com.
New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at
(505) 476-4885 or visit the website: https://www.rld.nm.gov/financial-institutions/.