Terms of Service

Last Updated: July 2026


Welcome to Holiday Finance (the "Site"), operated by Holiday Finance ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your use of our Site and the services we provide. By using our Site, requesting a quote, scheduling service, or otherwise engaging with Holiday Finance, you agree to these Terms.


1. Our Services

Holiday Finance provides personal loans, auto financing, and retail financing to qualified applicants. Loan amounts, terms, and approval decisions are based on individual qualifications and are disclosed during the application process. Any loan agreement or financing contract provided to you will govern over any general description on this Site.


2. Use of the Website

You agree to use this Site only for lawful purposes. You may not:

  • Use the Site in any way that violates applicable local, state, or federal law.
  • Attempt to gain unauthorized access to any part of the Site or our systems.
  • Use automated means (bots, scrapers) to access the Site without our written permission.
  • Submit false or misleading information through our contact or service request forms.

We reserve the right to refuse service, terminate accounts, or restrict access to the Site at our discretion.


3. Loan Application Process

Submit your application online, and our team will review your information and contact you regarding your loan options. If approved, we'll explain your loan terms and guide you through the final steps to complete your financing.


4. Payment Terms

Your payment schedule, payment options, and loan terms will be clearly explained before you complete your loan agreement. Timely payments help keep your account in good standing, while late or missed payments may result in additional fees or collection efforts as allowed by law.


5. Disclaimers and Limitation of Liability

The information on this Site is provided "as is" for general informational purposes and does not constitute a guarantee of service outcomes, availability, or pricing. To the fullest extent permitted by law, Holiday Finance disclaims all warranties, express or implied, regarding the Site's content or availability.

Holiday Finance liability for any claim arising from services rendered is limited to the amount paid for the specific service giving rise to the claim, except where such limitation is prohibited by law. We are not liable for indirect, incidental, or consequential damages arising from use of this Site or our services, except as required by applicable law.


6. Intellectual Property

All content on this Site—including text, logos, images, graphics, and design—is the property of Holiday Finance or its licensors and may not be reproduced, copied, or used without prior written permision.


7. SMS Messaging Program

By providing your mobile phone number and opting in, you agree to receive recurring SMS text messages from Holiday Finance.

These messages may include:

  • Appointment reminders
  • Service notifications
  • Customer support communications
  • Account-related updates
  • Promotional and marketing messages

Opting in to SMS messaging is optional and is never a condition of any service from us. Message frequency varies based on your interaction with our business.

User Consent: By opting in to receive SMS messages, you expressly consent to receive recurring text messages from Holiday Finance at the phone number provided. Consent is not a condition of loan.

Message and Data Rates:  Message and data rates may apply according to your mobile carrier plan.

Carrier Disclaimer:  Carriers are not liable for delayed or undelivered messages.

Opt-Out Instructions:  You may unsubscribe from SMS communications at any time by replying   STOP. After opting out, you will no longer receive SMS messages from us unless you re-enroll.

Help Instructions:  Reply   HELP  for assistance or   STOP  to cancel at any time. You may also contact us directly using the information below.

No mobile opt-in information or consent data collected for this SMS program will be shared with third parties for marketing purposes.


8. Third-Party Links and Services

Our Site may use or link to third-party services, including Google reCAPTCHA. Use of these services is subject to the respective third party's own terms and privacy policy (for example, Google's Privacy Policy and Terms of Service).


9. Changes to These Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will become effective upon posting to our website. Continued use of the Site or continued participation in our SMS program constitutes acceptance of any updated terms.


10. Governing Law

These Terms are governed by the laws of the state or jurisdiction in which Holiday Finance operates, without regard to conflict-of-law principles.


11. Contact Information

Holiday Finance

Phone:  (704) 932-3162

Email for General Information: info@holidayfinance.net 

Email for Payment questions:  iou@holidayfinance.net 

Website:https://holidayfinance.net