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FREQUENTLY ASKED QUESTIONS

Most Frequently Asked Questions About Title Loans

What is a title loan?

A title loan is a loan from a non-traditional lender that is repaid over a short period of time. Borrowers use their personal vehicles as collateral, which eliminates the need for a credit check.

How does my vehicle help me get title loans online?

Cars, trucks, SUVs and motorcycles are valuable possessions. As long as you are willing to use your vehicle as collateral against a title loan, we can offer you cash.

How much money do I qualify for?

We offer you a loan amount based on the value of your vehicle. Newer cars and trucks are worth more than older ones and get higher loan offers. Title loans are sometimes a few hundred dollars but usually run in the thousands. Once you submit the online application, you will get an estimate of what we can offer you.

When do I find out whether or not I am approved?

After you submit your online application, we give you a loan estimate of how much money you could receive. This lets you know you are approved for a title loan. All that’s left to do is complete the loan process.

When do I get the money?

Is today good for you? Most of our clients get the money they need within hours of submitting an application.

I heard that interest rates are really high. Should I be concerned?

There is always interest on a loan, and some rates are higher than others. We make every effort to keep our interest rates competitive so that you get a loan package that works for you.

Why get a title loan?

You want to get the best loan possible, which is the one that is easy to be approved for and puts money in your bank account quickly. Title loan applications are streamlined to move the process along faster, and loans are given out within hours after an application is made. Why go to a traditional lender for the same loan when it could take weeks before you get the money, and that’s if you’re even approved.

Why use Title Loans Online?

Title Loans Online offers you a convenient and quick loan approval process. We can get you the cash you need within hours, and we can do it through direct deposit, which saves you even more time.

Is it hard to understand how title loans work online?

Understanding how title loans work online is easy and uncomplicated. Applications only take a few minutes to complete because only relevant information is gathered. The rest of the process is also streamlined and fast, which allows lenders to make decisions and give out money quickly. Other than the application and working out specifics of your loan package, you just turn in the title and get paid.

How do I apply for a title loan?

All you need is computer access to complete the online application. Because it’s online, you can do this anytime and anywhere. Just indicate the type of vehicle you have, the year it was manufactured and how many miles it has. You also need to put in your name and a few contact details. This only takes a few minutes to complete, and you can submit the application. Almost instantly, you get a loan estimate showing you how much cash you’re eligible to borrower. This quote is also an indication that you’re practically approved for the loan.

What are the qualifications for title loans?

All borrowers need to be at least 18 years old and have proof of identification. They must have a source of income. Vehicles used to secure the loan must be owned by the applicant and have a clear title.

I don’t have a job, but I do have money. Do I qualify?

While a job is typically how most borrowers receive income, other sources are acceptable. These include unemployment benefits, alimony, disability payments, retirement benefits and pensions.

Do I have tell you why I need the money?

Some lenders require you to tell them why you want money from them and what you plan to do with the cash. We don’t need to know that information because it has no impact on you being approved or denied for a loan. We won’t ask, and you don’t have to tell. Your finances are your own business.

How confidential is the loan process?

Title loans are very confidential, and we keep your information private. When you apply online, only you know about it, unless you tell someone. If the entire loan process takes place online or by phone, no one ever has to know. Even when lenders require the borrower to come in to pick up the money, your confidentiality is still a priority.

What happens at the end of the loan term?

When you make all loan payments, we return your title to you. One of the great things about how title loans work online is that if the original loan term is not long enough, we can work out something to give you more time to pay.

Do I need to own the vehicle I use as collateral?

Yes. Any vehicle used as collateral must be owned by the borrower. Borrowers cannot pledge another person’s car to cover a loan because the vehicle could be taken if the loan goes into default.

Does my vehicle need to be paid off?

A paid-off vehicle is the best type to use for a title loan, but a nearly paid-off vehicle could work. As us about your options.

What is a lien-free title?

Lien-free means no one else has a claim on your vehicle that could affect your ownership of it.

Does the title need to be in my name?

Yes. As the vehicle’s owner, your name must be on title and registration papers.

What types of vehicles are eligible for title loans?

  • Cars
  • Trucks
  • SUVs
  • Motorcycles

What happens to my car after I take the loan money?

Your car goes home with you. Title loans are based on your car’s value, but lenders don’t actually need to keep your car. We only keep the title while you make payments.

When do I get the title back?

When you pay off the loan, we give you back the title papers.

My credit is bad. Will that be a problem?

If you have bad credit or no credit, or if you have a bankruptcy, you still qualify for a title loan. Having a car, truck or motorcycle to use as collateral is what gets you approved for the loan.

Will there be a credit check?

There is no credit check. Your credit score is not important in the title loan process. If you have charge-offs, late payments, missed payments or any other negatives on your credit report, we won’t ever know about them because we won’t look for them. Our loans start and end with vehicles used as collateral to secure the funding.

There is a bankruptcy on my record. Does it matter?

It does not matter if you have a bankruptcy. Even with this type of ding on your credit, we can work with you. We can find a title loans that meets your financial needs.

I have a mountain of credit card and other debt. Can you help me?

Absolutely! Every borrower’s situation is different. We look at the individual borrower’s situation to develop a loan offer that meets their needs. If you have a vehicle to use as loan security, you’re in a great position to get a title loan, even if you have a mountain of debt.

How much are the loan payments?

Loan payment amounts vary because each loan is a different amount. Your payments will depend on the size of your loan, how long your loan term is and the repayment plan we set up when you take the loan.

When are loan payments due?

Each borrower gets a repayment schedule when they initially take out the loan.

How do I make loan payments?

Payment options are established when you agree to the loan.

What happens if I pay late?

Late payments could result in a late fee. If the payment is seriously overdue, you may find your loan turned over for collections.

What happens when a loan is in default?

We make every effort to set up a loan plan that is affordable for each borrower. If the borrower struggles with payments, they can let us know so that we can look at their options. If the borrower does not contact us when they have trouble making payments, and the loan goes into default, we have no other option than to repossess and sell their vehicle. This allows us to recoup the money we loaned the borrower and any costs we incurred along the way, such as the cost of repossessing and selling the vehicle.

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