Terms & Conditions

Last updated: October 19, 2026

These terms apply to your use of the Smug Kittens Auto Finance website. By using this site, you agree to them.

Our service

Smug Kittens Auto Finance helps connect people with vehicles and financing options. We are not a lender. All financing is provided by third-party lenders and is subject to their review and approval.

No guarantee of approval

Pre-qualification is not an offer or a guarantee of credit. Final approval, interest rates, terms and payments depend on your credit history, income, the vehicle you choose and the lender's requirements.

Accurate information

You agree that the information you submit is true and complete. Providing false information may result in your application being declined.

Consent to contact

By submitting a form on this site, you agree that Smug Kittens Auto Finance and its partners may contact you by phone, text or email, including by automated means, about your request. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out of texts.

Website content

Content on this site is for general information only. Vehicle availability, pricing and payment examples may change without notice and are not offers of credit.

Intellectual property

The Smug Kittens name, logo and website content belong to Smug Kittens Auto Finance and may not be used without permission.

Limitation of liability

This website is provided "as is." To the extent permitted by law, Smug Kittens Auto Finance is not liable for any damages arising from your use of the site or reliance on its content.

Third-party links

This site may link to third-party websites. We are not responsible for their content or privacy practices.

Changes to these terms

We may update these terms at any time. Continued use of the site means you accept the updated terms.

Privacy

Your use of this site is also governed by our Privacy Policy.