Frequently Asked Questions

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How Do Title Loans Work?

First to explain what a title loan is. Unlike a traditional bank loan or even a personal loan that has strict credit criteria, a car title loan is a loan that put's more emphasis on the value of your vehicle. These loans typically have minimal credit requirements and many times it is still possible to get a loan even if your credit score is below 500. The verification documents that are required are usually pretty basic things such as a photo ID and paystubs*. This makes it a great alternative for those with low credit scores or just need money fast. Your lender will hold the “pink slip” or title to your vehicle but you will be able to keep driving the car while paying your loan back. Interest rates are typically higher than a standard bank loan because there is a higher risk of default but compared to the cost of a returned check and many payday type loans the cost of a title loan can be much cheaper.

What information and documents are required to complete a title loan application?

Exact requirements will vary slightly depending on the state your car is registered in but typically you will need a vehicle that is paid off or nearly paid off and that meets the minimum value and equity requirements. During the application process, you will be asked to send photos of your car and the VIN# along with a photo of the car title. You will also need a driver’s license or photo identification along with a proof of income to show you have the means to pay the loan back. You will need to have auto insurance and we may ask for proof of where you live. Your loan processor will go over everything with you to make sure that you know exactly what you will need and to offer alternatives and guidance when you need it.

Does my car need to be paid off?

This can vary depending on your overall application. Usually, your car will need to meet the minimum equity requirements for the loan. Many times if you have a vehicle that is close to being paid off you will still qualify for a title loan by including that payoff amount in the amount you borrow. We may be able to even blend the two loans together so that you keep the lower interest rate on your existing car loan. Once you complete your initial application you will know if you and your car qualify.

Will I get to keep my car while I pay the title loan off?

Yea, your lender will only hold the title to your auto. You will be able to drive your car without limitations while paying your loan off.

Can I Pay My Title Loan Off Early?

Absolutely, in fact, most of our customers pay their loan off within the first 12 months and we recommend that you pay it off as soon as possible. There is no penalty for paying your loan off early and the sooner you pay it off the less you will pay in interest so you will save money.

Do I need to have a job?

Not necessarily but you do need to have some means to pay your loan back. This can be through employment, social security, annuities, retirement, pension, or other sources of income.