OCCC Notice Notice: An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges. Cash Delivery operates as a Registered Credit Access Business. The actual lender is an unaffiliated third party.