APPLY FOR A CAR TITLE LOAN

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HOW A TITLE LOAN WORKS

The application process is very simple when you use your car title as collateral for a loan. All qualified applicants will need a clean and clear pink slip. This means your vehicle can have no liens against it and it needs to be paid off. You will next determine what type of payoff terms you need. These include the length of the loan, and monthly payment.

Once you submit your application you should receive a preliminary approval with 15 minutes or less. Sometimes, we’ll need more information from you or we will need to inspect your vehicle in person. As soon as you receive approval and sign the loan agreement you can expect to receive cash for your car title within one business day.

GET STARTED IN 3 SIMPLE STEPS

FILL OUT AN APPLICATION

Complete our car title loan application in less than 10 minutes. You can also apply over the phone or in person.

APPROVAL IN 15 MINUTES

You will know if you’ve been approved within 30 minutes. Bad credit isn’t an issue as long as you have equity in your vehicle!

CASH IN ONE BUSINESS DAY

Once approved you can get cash in hand in one business day. Sometimes within an hour if you live near one of our locations!
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Online Title Loans aren’t for everyone.  They come with high interest rates and you run the real risk of losing your vehicle if you fall behind on monthly payments.  Most financial institutions will require applicants to have an active checking account with verifiable employment references.   Some companies will want to verify your bank account and may need extra credit checks or proof of income.  Check your budget and finances to see if there are other options available before you move forward with an unsecured loan.  Contact your local bank or credit union first to see if there are any lending opportunities available.  Once you’ve settled on an online title loan company make sure they’re licensed to offer personal loans in your state.  Review the lending contract in full.  Verify your rates, terms and payoff information before signing a contract.  Similar to credit cards and payday advances, the finance charges for a title loan are high.  The terms and annual percentage rate for a title loan online are determined by many factors.  Some auto title lenders will want to verify your credit score and past payment history. Remember, most car title loans are secured to the collateral in your vehicle.

Unlike a cash advance or payday loan, a title loan is secured by your vehicle’s collateral.  Try to pay off the full amount quickly to avoid the high interest rates.  Pay more than what’s required every 30 days and work with an online title loan company that doesn’t assess a prepayment penalty.  Always contact your lender if there’s a chance you can’t make your minimum loan amount payment.  Contact a certified credit counselor and seek financial help when dealing with your daily finances and budget.

CONTACT US WITH YOUR LENDING QUESTIONS