Personal Services

Four paths.
One destination: your financial stability.

At Touch of Vintage we understand that every story is different. That's why we designed four personal loan products built for exactly where you are today — and where you want to be tomorrow. All regulated under Florida Statutes Chapter 516. All 100% digital. All with you.

100% DigitalProcess in minutesNo prepayment penaltyLicensed in FloridaSpanish & English support
Our Products

Personal loans designed for you

Select the product that best fits your current financial moment.

Individual Compass
Product 01
Individual Loan — Consumer Loan
"When you need a clear direction, here's your path."
Who is it for?

Designed for the person who needs to solve something specific today — an urgent repair, an unexpected expense, an opportunity that cannot wait. One loan, one need, one direct solution.

  • ·Accessible capital for immediate needs
  • ·Bi-weekly payments adapted to your income flow
  • ·100% digital — no lines, no unnecessary paperwork
  • ·Prepayment without penalty at any time (§516.031(6))
  • ·Clear, transparent contract in English and Spanish
  • ·Full disclosures under TILA – Regulation Z
Apply now →
Dynamic Ascent
Product 02
Progressive Growth — Consumer Loan
"Every completed cycle is a step toward more."
Who is it for?

Built for those with financial discipline who want their payment history to open doors. Each time you complete your payment cycle, you gain access to greater capital in the next loan.

  • ·Starting capital with potential increase each completed cycle
  • ·Automatic review upon completion of each payment term
  • ·Payment history builds your internal credit profile
  • ·Improved conditions available for returning clients
  • ·Digital portal for real-time progress tracking
  • ·Preferential access to higher-capital products
Start ascending →
Inner Circle
Product 03
Referred Loan — Consumer Loan
"Your community's trust, backed by us."
Who is it for?

For independent workers, entrepreneurs, and families who know and trust one another. If someone in your network is a Touch of Vintage client and refers you, that connection counts — no co-signer required.

  • ·Credit access through community referral
  • ·Individual contract — each member responsible for their own loan
  • ·No co-signer required — referral, not guarantee
  • ·Ideal for independent workers with variable income
  • ·Builds personal credit history from the first payment
  • ·Access to Dynamic Ascent upon completing first cycle
Join the circle →
Strategic Renewal
Product 04
Financial Rebuilding — Consumer Loan
"Starting over is not a step back — it's choosing better."
Who is it for?

For those who have weathered a financial storm and are ready to take back control. Whether it's debt consolidation, credit history reconciliation, or simply a new starting point — designed with seriousness and without judgment.

  • ·Personalized evaluation of current situation — not past history
  • ·Payment structure adapted to real repayment capacity
  • ·No perfect credit history required
  • ·Positive credit bureau reporting with each on-time payment
  • ·Continuous support throughout the entire loan term
  • ·Access to Dynamic Ascent upon demonstrating positive history
Reclaim control →
Our Identity

Who we are

Vision

To be the leading microfinance institution in the State of Florida — recognized for redefining the sector through the fusion of advanced risk architecture and exceptional human treatment. A model where profitability and purpose are inseparable drivers.

Our vision is not a wish — it is an operational goal with a defined date, structure, and direction.

Mission

To protect and multiply our investors' assets through non-negotiable operational discipline, while providing our clients with empathetic, clear, and accessible credit solutions that act as a real bridge toward their economic progress.

Two commitments. One standard: irreducible.

Reason for Being

At Touch of Vintage we believe modern finance must always be accompanied by a personal touch and the values that generate lasting trust. We are committed to responsible, clear, and human credit solutions designed to educate, empower, and support people at every stage of their financial journey.

The client is not a transaction. They are a relationship.
Our Values

T.O.U.C.H.

These values are not decorative declarations — they are operational criteria. Every decision, every product, and every client interaction is evaluated against them.

T

Transparency

In every process, every contract, and every decision. No fine print, no surprises. What is said is what is done — always.

O

Opportunity

Individual and real. We believe every person deserves an open door, regardless of where their story comes from or what their credit history looks like today.

U

Universality

Education and innovation for all people. Finance is not exclusive territory — it is a right that Touch of Vintage democratizes.

C

Commitment

To long-term financial relationships. We are not just a loan — we are the beginning of a journey. Every client who chooses us starts a path, not a transaction.

H

Honesty

As the foundation of all trust. We tell the truth even when it's not the answer a client wants to hear. A solid financial relationship can only be built on real facts.

“Touch of Vintage doesn't just lend money.
It builds trust, drives purpose, and anchors progress where it's needed most.”

Touch of Vintage LLC · Florida · Licensed under Chapter 516

Legal Disclosure – Consumer Loans

Touch of Vintage LLC is licensed under Florida Statutes Chapter 516 – Consumer Finance Act. All personal loans are subject to credit evaluation, identity verification, and approval. Interest rates, amounts, charges, and terms are disclosed in accordance with the Truth in Lending Act (TILA) – 15 U.S.C. §1601 and Regulation Z – 12 C.F.R. Part 1026, prior to signing the contract. The applicant will receive a complete copy of the contract and Disclosure Statement before committing to any term. Full or partial prepayment of any loan may be made at any time without penalty, pursuant to Florida Statutes §516.031(6). Touch of Vintage LLC does not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, or because the applicant's income derives from public assistance programs, in accordance with the Equal Credit Opportunity Act (ECOA) – 15 U.S.C. §1691. To file a complaint or inquiry, contact the Florida Office of Financial Regulation (OFR) at (850) 487-9687 or at www.flofr.gov.