By accessing or using the Affinity Financial website (affinityfinancial.com) and any related services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services. These terms apply to all visitors, users, and others who access or use our services.
Affinity Financial provides auto loan origination, refinancing, and related financial services to consumers in Florida. Our website provides information about our loan products, an online application portal, a loan calculator, and other tools to help you explore your financing options. We are not a bank or depository institution. All loans are subject to credit approval.
To use our services, you must be at least 18 years of age, a resident of the United States, and capable of entering into a legally binding contract. By submitting a loan application, you represent and warrant that all information you provide is accurate, complete, and current. Providing false or misleading information may result in denial of your application and may have legal consequences.
Submitting a loan application through our website does not guarantee approval or any specific loan terms. All applications are subject to credit review, verification of information, and final approval by Affinity Financial. We reserve the right to decline any application at our sole discretion. Approved loan terms, including interest rate, loan amount, and repayment schedule, will be disclosed to you before you are required to execute any loan agreement.
Interest rates advertised on our website (such as 4.50% APR for used vehicles and 0% APR for new vehicles) are starting rates and represent the lowest rates available to the most creditworthy applicants. Your actual rate will depend on your creditworthiness, loan term, vehicle type, and other factors. There are no prepayment penalties on any of our loans. All applicable fees will be disclosed in your loan agreement prior to signing.
Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. By using our services, you consent to the collection, use, and sharing of your information as described in our Privacy Policy. We collect personal and financial information to process your loan application and provide our services.
By submitting a loan application, you authorize Affinity Financial to obtain your credit report and credit score from one or more consumer reporting agencies. This may result in a hard inquiry on your credit report, which may temporarily affect your credit score. We report loan performance to credit bureaus, and timely payments may help build your credit history.
All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Affinity Financial or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.
Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no warranties regarding the accuracy, completeness, or timeliness of any information on our website. Loan calculators and rate estimators are for illustrative purposes only and do not constitute a commitment to lend.
To the fullest extent permitted by law, Affinity Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services. Our total liability for any claim arising out of or relating to these terms or our services shall not exceed the amount of fees you paid to us in the three months preceding the claim.
Our website may contain links to third-party websites, including our payment portal (eautopayment.com) and DealerMonster. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Your use of third-party services is subject to their respective terms and privacy policies.
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Pasco County, Florida.
We reserve the right to modify these Terms of Service at any time. We will notify you of significant changes by updating the "Last Updated" date at the top of this page. Your continued use of our website after any changes constitutes your acceptance of the new terms. We encourage you to review these terms periodically.
If you have any questions about these Terms of Service, please contact us at:
Affinity Financial 5305 Eagleston Blvd. Wesley Chapel, FL 33556 Phone: 813-693-LOAN Email: [email protected] Hours: Monday – Friday, 9:00am – 5:00pm