At Premier Title Loans the process to get cash for your paid off vehicle is fast and convenient. We currently process online title loans in Kansas of up to $15,000 and the main requirement to qualify is a lien free car title. The title loan process can be completed in as little as 24 hours, and you have the option to apply online or visit one of the many local Kansas title loan stores.
To start, fill out our application for a title loan in Kansas, or feel free to contact us at 1-800-250-6279. After you submit the required information a loan specialist will contact you to discuss your individual title loan needs and help you select a repayment plan that fits your budget. Once you have agreed to the terms of the loan, sign the contract and arrange a time to pick up your cash or have it deposited into your bank account. It’s that easy! Most borrowers can get cash for their vehicle in one to two business days. Those that apply with a local finance lender in Wichita or Kansas City may be able to get money quicker by meeting with a direct lender in person.
What If I Have Bad Credit – Can I Still Get A Title Loan In Kansas?
Yes! Unlike a traditional bank loan, title loans are secured with your paid off vehicle. As long as the vehicle is paid off and you are the sole owner you should not have any problems with someone worrying about your credit report. This means that your credit history is not a factor in determining loan approval. Whether you have good credit, bad credit, or no credit at all, you can still qualify for a title loan in Kansas.
How Much Money Can I Get With An Auto Title Loan In Kansas?
The amount of money you can borrow is based on the equity in your car and your ability to repay the loan. Most title loan companies will lend you 25% to 50% of the value of your car. For example, if you own a car worth $10,000 you could qualify for a title loan of $2,500 to $5,000. To determine a vehicle’s current value title loan companies will use one of two methods. The first is to check the current value with an online service like KBB. The second is to have a local mechanic or finance lender in Kansas appraise the vehicle.
What Do You Require To Get Approved For Car Title Loans In Kansas?
In order to get a car title loan in Kansas, you will need to have a lien free car title that is registered and insured in your name. You will also need to be at least 18 years of age and have a source of income to repay the loan. In some cases, title loan companies may require you to provide additional information like proof of residency or employment. To satisfy the employment requirements for a title loan with bad credit you may be asked to provide recent pay stubs or bank statements as a way to show there’s enough cash coming in each pay period to make the required monthly payments.
Apply for An Online Title Loan in Kansas Or With A Local Lender
The process to apply for title loans online is very simple. Just fill out our short online application and a loan specialist will contact you to discuss your title loan needs. There may be a need to inspect and verify the vehicle and that can be done at several locations in Wichita or Overland Park. For those who can’t make it to an inspection station, you may request to have an agent come out to your house to complete the inspection. If everything looks good, you will be asked to sign the loan contract and arrange a time to pick up your cash. The money can even be deposited directly into your bank account within 24 hours. It’s that easy!
For applicants in Kansas who choose to apply with a local lender near them, that’s ok as well. Some prefer this method as they can get the cash much quicker by meeting with a direct lender in person. Just be sure to shop around for the best interest rates and terms before signing any loan contract and check up on the reviews and online feedback for any company in KS that you consider doing business with.
What Are The Repayment Terms For Title Loans in Kansas?
The repayment terms for title loans in Kansas are typically between 30 days and 12 months but can be longer if needed. The loan specialist will work with you to develop a repayment plan that meets your individual needs and budget. Be sure to only borrow the amount of money you need and reach out to your lending agent if you think there’s a chance of missing payments or defaulting anytime in the future. Any reputable company that’s licensed to provide secured funding in Kansas should be able to work with you to refinance the loan or provide a payment plan to get things back on track.
Will I Keep My Car When I Get A Kansas Title Loan
Yes! One of the great things about title loans is that you get to keep your car and continue driving it while making payments. These are not title pawn loans and the car’s title is what’s used as collateral, not the actual vehicle! It wouldn’t work out very well if you took out a vehicle equity loan but couldn’t drive to your job in Topeka right! The title loan lender in KS will simply place a lien on the title until the loan is repaid in full. Once the Kansas title loan is paid off, the lien will be removed from your vehicle’s title and everything will go back to normal.
Kansas title loans are a great way to get fast cash using your paid off car as collateral. The process is simple and easy to understand with funding available in as little as 24 hours. Those with bad credit or no credit can still qualify as long as they have a lien free title and source of income to repay the loan. Apply online, in person at multiple locations in Wichita, or contact us at 1-800-250-6279 today!