Last Updated: March 31, 2026
Agreement to Terms
These Terms and Conditions ("Terms") govern your use of the South Central Regional Credit, Llc website and services. By accessing or using our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not use our services.
Use of Services
Our financial services are provided subject to your compliance with these Terms and all applicable laws and regulations. You agree to:
- Provide accurate and complete information when requested
- Maintain the confidentiality of your account credentials
- Notify us immediately of any unauthorized access to your account
- Use our services only for lawful purposes
- Not attempt to interfere with the proper functioning of our services
Account Responsibilities
If you create an account with us, you are responsible for maintaining the security of your account and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any other breach of security.
Financial Products & Services
The financial products and services we offer are subject to approval and additional terms specific to each product. Rates, fees, and terms are subject to change. All loans and credit products are subject to credit approval and underwriting requirements.
We reserve the right to deny any application or discontinue services at our discretion in accordance with applicable laws.
SMS & Text Messaging Terms
If you opt in to receive SMS or text messages from South Central Regional Credit, Llc, the following additional terms apply:
Text Message Program
By opting in to our text message program, you consent to receive recurring marketing and promotional SMS/MMS messages from South Central Regional Credit, Llc. Messages may include offers, updates, account notifications, and information about our financial products and services. Messages may be sent using an automated telephone dialing system (ATDS).
Message Frequency & Costs
Message frequency varies depending on your account and our promotional schedule. You may receive up to 4 messages per month. Message and data rates may apply based on your mobile carrier's plan. Check with your carrier for details about your messaging plan.
Opt-Out Instructions
You may opt out of receiving text messages at any time by replying STOP to any message you receive. You will receive a confirmation message acknowledging your opt-out request. After opting out, you will no longer receive SMS messages from us unless you re-subscribe.
Help & Support
For help or questions about our text message program, reply HELP to any message or contact us at southcentral@south-central-regional.com.
Not a Condition of Purchase
Consent to receive text messages is NOT a condition of purchase or use of our financial services. You may decline to receive SMS communications and still have full access to our products and services.
Supported Carriers
Our text message program is available on most major carriers. Message delivery is subject to your carrier's network availability and may be delayed or undelivered due to factors outside our control.
Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of South Central Regional Credit, Llc or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our express written permission.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any third-party sites. Access to third-party websites is at your own risk.
Disclaimers & Limitation of Liability
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or completely secure.
To the fullest extent permitted by law, South Central Regional Credit, Llc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services.
Indemnification
You agree to indemnify and hold harmless South Central Regional Credit, Llc and its officers, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of our services or violation of these Terms.
Governing Law & Dispute Resolution
These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in Houston, Texas, except where prohibited by law.
Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.
Termination
We may suspend or terminate your access to our services at any time, with or without cause or notice, including for violation of these Terms or applicable laws.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
Contact Information
For questions about these Terms, please contact us:
South Central Regional Credit, Llc
Email: southcentral@south-central-regional.com
Location: Houston, TX