Terms & Conditions & Privacy

This website is owned and operated by Time Investment Corporation, T/A Time Financing Service ® (hereinafter “TFS”). Your use of this website and its services are subject to the following Terms and Conditions, including the Privacy Policy. By using this website and its services, you agree to be legally bound by all of the Terms and Conditions contained or referenced herein, and further agree to receive disclosures required by federal and/or state laws electronically. Additional terms and conditions may apply if you file your credit application online through this website.


Permitted Use:

All persons are authorized to view the information available on this website for informational purposes as to TFS and its services. However, none of the information available on this website shall be redistributed, copied, or reproduced without prior written consent of TFS. All software on this website and all information and materials on this website are the property of TFS, and are subject to U.S. and international copyright, trademark, proprietary, and intellectual property right laws.


Access by Children:

This website is intended for use by adults who are actual or potential consumers of TFS services. This website is not directed at children. TFS does not target or market to, and this website is not intended for use by children under the age of 18. TFS does not knowingly and will not intentionally contact or request personal information from children under the age of 18 for marketing purposes. However, this website does not filter ads or other material children may view through this website or linked websites, some of which may be inappropriate for children.



To apply for credit with TFS, TFS must provide you with certain disclosures required by law. When you click “agree” on the application page, this is your electronic signature and each applicant agrees that:


  • TFS can provide disclosures required by law and other notices, agreements, communications, and information (“Disclosures”) to you electronically.


  • Your electronic signature on the application has the same effect as your written signature.


Your consent applies to Disclosures provided in connection with your application and to any other Disclosures that TFS is obligated to provide or elects to provide to you, including the Privacy Notice, and any other Disclosures required by federal or state law, rule, or regulation. Your consent applies to any of your transactions with TFS and applies to Disclosures provided to you now, and to Disclosures that TFS may provide to you in the future. Your consent is your permission for TFS to contact you by telephone, text messages, and/or email, to process your application and any of your transactions with TFS.


By your use of this website, you also consent to receive text messages and e-mail messages from TFS and its agents, through the contact information as listed on your credit application. You consent to being contacted at each telephone number and e-mail address as listed on your credit application by TFS and its agents for account servicing matters, including for collections and solicitation activities. Message and data rates may apply. You may opt out of being contacted through text messages and/or e-mail messages by notifying TFS in writing at PO Box 6065, Greenville, NC 27835.


Accuracy of Information:

Any and all information submitted to TFS through this website must be true and accurate, and must not be misleading.



TFS is committed to keeping your personal information and account information secure. We work hard to earn your trust and want you to feel comfortable knowing that your information is safe and protected. To prevent unauthorized access to your personal data, maintain data accuracy and integrity, and ensure the correct use of that information, TFS uses commercially acceptable technology to safeguard information collected through this website. For example, our website requires the use of a secure internet browser to protect you while you access our online application form. Secure browsers allow you to communicate with our website in a protected session by encrypting information that flows between you and our website. Once received, your personal information is stored in the United States in accordance with United States law. However, the internet is an open medium and no data transmission through the internet is completely secure. Therefore, TFS does not guarantee or warrant the security of general information you provide. Except as submitted through your credit application to TFS, you transmit your personal information at your own risk. For more information on what personal information TFS collects, and how TFS uses the information you provide, please review the Privacy Notice.


Steps You Can Take to Help Secure Your Information:

Please do not walk away from your computer while you are in the process of completing your online credit application, especially if you are using a public computer. Always remember to close the online credit application and exit the program when you are finished. You should consider installing a personal firewall and anti-virus protection software on your computer. For information on how to prevent identity theft and what to do if you are a victim of identity theft, you can contact the Federal Trade Commission.


Collection, Use and Disclosure of Personal Information:

This website does not collect personally identifiable information from you unless you voluntarily provide it. You are responsible for ensuring that any personally identifiable information you provide is truthful, accurate, and up to date. TFS will collect and store personal information you decide to provide to us for our records but we are not liable to you if the information you provide is not accurate. You agree that TFS may use any of your personal information that you provide to us to communicate with you. Additionally, if you apply for credit with TFS, you must truthfully and accurately complete our credit application which includes your provision of personally identifiable information. Accurate, up-to-date information is necessary to view your credit history and otherwise process your application and to contact you.


TFS reserves the right to disclose your personally identifiable information if we believe disclosure is necessary to protect our rights (such as if you fail to repay a loan and/or to comply with a judicial proceeding, court order, or legal process served on us). If TFS were to merge with, or be acquired by another company, or if it were to cease operations, your information may be transferred to the surviving or acquiring company. At that point, any use and sharing of your information will be subject to that company’s privacy policy which may be different from that of TFS’. In addition to these Terms and Conditions, our use of your personal information collected is described in the Privacy Notice.


Disclaimer of Warranties:

THE INFORMATION CONTAINED HEREIN OR ACCESSED THROUGH THIS WEBSITE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. References to specific entities, their services and products, are provided “as is” without warranty of any kind, either expressed or implied. In no event shall TFS be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever resulting from loss of use, data, or profits, whether or not advised of the possibility of damage, and on any theory of liability, arising out of or in connection with the use or performance of this information.


You are solely responsible for maintaining the confidentiality of your username and password, and for all activities which occur during your use of this website. You agree to immediately notify TFS of any unauthorized use of your password or any other breach of security made known to you.


TFS and its agents are not liable in any way in connection with your use of this website. This limitation includes, but is not limited to, the transmission of any viruses or harmful code that may affect a user’s equipment.


By using this website, you agree to indemnify, defend, and hold harmless TFS, its affiliates, and agents, against any and all claims, actions, proceedings, damages, and costs, including attorney fees, related to or arising out of your use of this website, and/or the services, actions, or omissions of any third parties that have websites linked to this website.


Statements Relating to Entity Names and Marks of Third Parties: 

All references on this website to specific entity names, trade names, trademarks, and service marks of third parties are intended to accurately identify such parties as the sources of specific products and services. In many instances, the referenced names and marks are the subject of federal, state, and international registrations. TFS makes no claim of any interest or license under any such names and marks of other parties identified on this website, and TFS acknowledges the proprietary rights of such other parties to their identified names and marks. TFS’ use of such names and marks is only for purposes of proper identification, and there is no intention on the part of TFS to improperly use or dilute the proprietary rights of the owners and authorized users of such names and marks.


Services of Third Parties and links to other Websites: 

Certain services made available to you on this website may be provided to you directly by third parties. TFS has attempted to include third party attribution notices where it may not otherwise be apparent to users that the service is provided by a third party. Your use of such services may be subject to the terms and conditions and privacy policies of the third parties providing the service. We encourage you to review the terms and conditions and privacy policies of such third parties as they may differ from those of TFS’. Descriptions of, or references to, any third party products, services, publications, or any links to other websites within this website does not imply endorsement of that product, service, publication or company, and does not necessarily represent the views or opinions of TFS. TFS does not make any warranties of any kind with respect to the subject matter included on a third party website, the products listed on a third party website, or the completeness or accuracy of the information. TFS specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose as to third parties.


Modifications to this Website and its Terms and Conditions:

TFS may change the content and services offered, disable certain features of this website, or expand this website’s capability. TFS reserves the right at any time to modify these Terms and Conditions, this website, the functionality and capabilities and/or discontinue, temporarily or permanently, this website (or any part thereof) without notice. You will be bound by the modifications if you use this website after a modification has been made. You agree that TFS shall not be liable to you or to any third party in any way as a result of any such modification.


If you have any questions about our Privacy Policy or the above Terms and Conditions, please contact us. We’ll be happy to answer any questions you might have. Maintaining your privacy is just one way TFS is committed to you, the customer.


Communication of Loan Application Status and Sensitive Information:

TFS only accepts loan applications through our secure website, in person at one of our branch locations, or by telephone with proper verification of identity. We do not communicate regarding loan applications or approval of those applications or request information such as your address, social security number or other protected information via any social media platform such as Facebook, Instagram or WhatsApp or via third-party payment vendors such as PayPal or Venmo. We do not charge a fee to submit a loan application.