What is the difference between a broker and a direct lender?
A title-loan broker or connection service may help match applicants with partner lenders, while a direct lender makes and services the loan. Borrowers should know who receives their information, who makes the loan decision, and who will service the account.
Editorial and compliance note: This page is written for California borrowers and was last reviewed on 2026-06-15. TFC Title Loans may connect applicants with partner lenders or service providers. Approval, loan amount, rates, fees, funding time, and repayment terms are determined by the lender and vary by applicant. Submitting a request does not guarantee approval or funding.
| Question | Broker or connection service | Direct lender |
|---|---|---|
| Who reviews the request? | May collect information and send it to partners. | Reviews and decides internally. |
| Who sets loan terms? | The lender, not the broker. | The lender. |
| Who services the loan? | Usually the lender or servicer. | The lender or servicer. |
| What should you verify? | Consent, privacy terms, partner identity, and lender disclosures. | License, disclosures, repayment terms, and servicing contact. |
Before submitting a request, review the Privacy Policy, the Disclosure page, and all lender documents.
