is a third party, not a lender. By completing our application, you are soliciting a loan from a licensed lender in Florida. All our lenders in our network are consumer finance companies licensed in the State of Florida under Statue 516: consumer finance. A consumer finance company means they specialize in auto equity loans, which means regardless of personal credit history, you can qualify. Credit scores are not a condition of approval; all loans are based on equity. However, nor the lenders in our network report to a national credit bureau to assist you to establish or re-establish your credit history.