(800) 250-6279ONLINE CAR TITLE LOANS IN JACKSONVILLE, FLORIDA
Apply for a title loan using the online form below, or call us at 800-250-6279 to borrow $1,500 or more with your vehicle as collateral!
ONLINE TITLE LOANS WITH NO STORE VISIT IN JACKSONVILLE
Apply for an online title loan in Jacksonville to use your car's equity as security for a loan. Borrow up to 70% of your vehicle's equity from a lender in Florida and you don't need a good credit score!
What To Know About Jacksonville Title Loans
Title loans use your car’s equity as collateral for a secured loan, and all you need is a lien free vehicle that’s paid off and registered in your name. There’s often no need to worry about your credit score when you apply for a title loan in Jacksonville, and most newer cars with fewer than 150,000 miles will qualify. This means you can quickly get the money you need without a lengthy approval process and keep driving your vehicle through the lending term.
Because your car’s title is used as collateral, you can still get approved for a loan even if you’ve recently fallen behind on your credit cards or missed an unsecured loan payment! Remember, most title loan companies in Jacksonville, Florida, offer much more for a secured loan with a paid off car title compared to an unsecured loan that has no security being put up. Borrow $1,500 or more with an online title loan, and there’s a chance you can get your cash just a few hours after being approved!
Title Loan Lending Requirements In Jacksonville, FL
At Premier Title Loans, we make getting an online loan in Jacksonville easy and simplify the main requirements for auto title loans. To be approved, you will need the following:
–A clear car title that shows you as the only registered owner. You can’t owe any payments on the car, and the vehicle’s title needs to be paid off. Most Jacksonville title loan companies will also require that you have the pink slip in your possession. To get a certified copy, you can visit any handful of FLHSMV Centers in Duval County and get your car’s title during that same visit.
–Proof that you have current employment and verification of your income. This can be a recent payment stub from your current employer or another document that details or verifies employment status and income.
–Your Driver’s License from the State of Florida or another state issued photo ID to verify your identity and place of residence.
–Provide a copy of your vehicle insurance specifying full vehicle coverage. You may also need to show your vehicle registration and keep the registration and car insurance payments current while the lender has the car’s title.
If you have all the required documents listed above, you’re well on your way to being approved! The final step is to bring your vehicle down to any convenient location in Florida for a quick inspection. Then, you can sign the contract, sign over the car’s pink slip, and drive away with the cash you need. The vehicle inspection doesn’t take long, and most vehicle title loan lenders in Jacksonville can inspect the vehicle and review the lending documents with you in less than an hour.
Are Online Title Loans In Jacksonville Possible With Bad Credit
If you have bad credit and are looking for title loans in Jacksonville, you may still be approved, provided that you own your vehicle outright and can provide proof of employment. Even if you have a past bankruptcy or have defaulted on personal loans, there’s a good chance you get cash for the equity from your car or truck. The equity from your paid-off vehicle secures a title loan, and it is one of the few loans where your FICO score is a minimal factor during the underwriting process. Premier Title Loans specializes in getting our customers funded quickly, even if they have poor credit or no credit history!
How Much Can I Get Approved For With A Jacksonville Title Loan & What Are The Rates
The loan amount you’re approved for in Jacksonville, FL, is based on your vehicle’s value and ability to repay the loan. These amounts can range anywhere from $500 to $10,000 and sometimes more, depending on your car’s worth and income. Some classic cars, newer cars, and trucks with resale values of $40,000 or more can lead to loan amounts approaching $20,000! Here in Florida, there’s no limit on the amount of money you can borrow with a secured loan, and Premier Title Loans will work with you to cash out the highest amount at the fairest rates.
The first step is to see what comparable cars are selling for in Duval County to check a vehicle’s exact title loan value. Expect average loan offers based on 40-60% of the vehicle’s equity with an APR that ranges from 25% to over 120%. If you’re like most people, you’re surely worried about those high interest rates! While the high APR comes with the territory with any high risk loan that doesn’t require good credit, there’s always some wiggle room during the negotiation process.
You also have the right to refinance your title loan at a later date. In this scenario, a new title loan company will pay off your original balance, and you’ll get an improved repayment term with a lower interest rate. Call Premier Title Loans at 800-250-6279 to see how much you can save with a title pawn refinance in Jacksonville, Florida.
Is There A Way To Get A Title Loan In Jacksonville Without A Job?
Steady employment is not required to get an auto title loan, but you must verify that you can make the expected monthly payments. If you don’t have a job but receive monthly benefits or pension payments, title loan lenders will likely consider this as well, and there’s a good chance you’ll get approved as long as your vehicle has enough equity.
At Premier Title Loans, we can work with all types of applicants and even get you approved for title loans with no job in just a few hours! We understand that there are many reasons someone may not have a traditional 9-5 job, and we’re here to help. Apply online or contact our customer service team at 800-250-6279 to see how much you can borrow and what types of terms to expect with an online car title loan in Jacksonville!