Pacific Finance Company

Terms of Use

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Terms of Use

Pacific Finance Company, Inc operates the website  (“the Site”) to provide information about and offer products and services. By accessing or using this website, you agree to the terms of this Agreement. Please read this Agreement carefully before using the Site. If you do not agree with these terms, you should immediately stop using the Site.


Pacific Finance Company, Inc reserves the right to modify the terms of this Agreement and the rules governing the Site without notice. Please review this Agreement each time you use the Site to be aware of any changes. We may also change, delete, or add content or services on the Site without notice.

Access to the Site

By using the Site, you confirm that you are 18 years of age or older. If you are under 18, please do not provide personal information on this Site. We do not knowingly collect information from individuals under 18. You are responsible for ensuring your own internet and computer equipment and connections to access and use the Site.

Accounts, Passwords, and Security

Certain features or services on the Site may require you to open an account with a User ID and password. You are responsible for maintaining the confidentiality of your account information and ensuring the security of your password. You agree that all activities under your account are your responsibility. You must inform Pacific Finance Company, Inc immediately if there is unauthorized use of your account.

Privacy and Information Collection

When you voluntarily submit personal information through the Site, Pacific Finance Company, Inc may collect and store this information. This information may include your name, email address, and physical address. We may use this information in accordance with our Privacy Policy and applicable law.

Use of Information in Connection with Credit Applications

If you apply for credit or credit services through the Site, Pacific Finance Company, Inc may obtain a consumer credit report and investigate your credit, employment, financial status, and collateral value with third parties for legitimate purposes related to your application.


Pacific Finance Company, Inc collects anonymous, non-confidential, and non-personal information through cookies and other methods to analyze user interactions with the Site. You may be able to turn off cookies in your browser, but this may impact certain services or features.

Electronic Communications

By using the Site, you acknowledge that internet transmissions are not completely private or secure. We take measures to protect electronically transmitted information, but you should exercise caution when sending sensitive data via email. By sending us emails, you consent to receiving responsive communications electronically.

Copyrights and Trademarks

All content on the Site, including images, logos, and software, is the property of Pacific Finance Company, Inc and is protected by copyright laws. Certain trademarks displayed on the Site are registered trademarks of Pacific Finance Company, Inc. Any use or reproduction of the Site’s content or trademarks without permission is prohibited.

Links to Other Websites and Services

The Site may contain links to external services and resources that 1st Capital Finance of South Carolina, Inc does not control. We are not responsible for the content or actions of these third-party sites. Any concerns regarding these links should be directed to the respective service providers.

Disclaimer of Warranties and Limitation of Liability

The Site is provided on an “as is” basis. Pacific Finance Company, Inc makes no representations or warranties about the Site’s operation or the information and content on the Site. We are not liable for any damages arising from the use of the Site. We do not guarantee uninterrupted or error-free access to the Site. Certain states may not allow the limitation of implied warranties or liability, so these limitations may not apply to you.

 Applicable Law and Disputes

The laws of the State of South Carolina govern this website. Any dispute arising from this Agreement shall be resolved in the Court of Common Pleas in York County, South Carolina.


You agree to defend, indemnify, and hold Pacific Finance Company, Inc and its affiliates harmless from any claims, damages, costs, and expenses, including attorney’s fees, arising from your use of the Site or violation of this Agreement.


Pacific Finance Company, Inc may terminate this Agreement and deny access to the Site if you fail to comply with its terms, without notice.

International Access

The Site may be accessed from outside the United States, but certain products and services may not be available in all countries. If you access the Site from outside the U.S., you are responsible for compliance with local laws.

Entire Agreement

This Agreement constitutes the entire agreement between you and Pacific Finance Company, Inc regarding the use of the Site. No oral representations can modify this Agreement. If any provision is held invalid, the remaining terms will remain in full force and effect.

By submitting an inquiry, you agree to be contacted by a member of our staff.

North Carolina Disclaimer

Title loan transactions are prohibited within the state of North Carolina.

These terms of use are subject to change without notice. Please review this Agreement periodically for updates.