Life is hard. Sometimes, expenses get the better of you — emergencies crop up, you didn’t earn as much as you expected, or bills were just a tad too high this month. It happens. In times like these, you can’t always count on close ones to have you covered. That’s why there are lending solutions like ours that can help you out.
Enter title loans Lake City: the most balanced and efficient short-term lending option for those who need a leg-up on their expenses. While other loan types have their own pros and cons, they usually impose serious drawbacks that make clients leery about taking them out. However, you can survive a financial emergency with confidence by simply trading the title to any vehicle that you own for the money you need.
The good news is, the title returns to you once you pay us back. You’re also free to continue driving your car as usual while the loan is out. Title loans Lake City provide a plethora of benefits for our clients, such as 24-hour cash delivery and the absence of credit checks. You can even take out loans in the tens of thousands, and we keep the APRs manageable for your convenience.
Fortunately, all of these great benefits don’t have to make eligibility difficult. The application simply asks for your basic contact details and the make, model, year and mileage of your car. That’s it. Once you’ve sent it off, we’ll handle the rest while you patiently wait for a representative to call you back.
When we get ahold of you, you should ideally have a pay stub ready and some form of acceptable identification. These are necessary legal steps in the process of creating title loans Lake City for you. Bear in mind that we can only create loans for individuals who are 18 years or older. In addition, your income status will be used in tandem with the market value of your car to determine how much money we can lend you.
It’s important to know the ways that you’re protected when moving forward with any lending solution. Fortunately, Florida state laws generally favor the client — the strict requirements are more on the lenders themselves than the people who are being lent to. For your security, here’s what you need to know going forward:
1. Ownership Policy
While it’s possible to get Florida car title loans with a title that still has a lien on it, we can’t accept a title that doesn’t legally belong to you.
If you’re not sure of what usury is, we’ll give you a hint: It isn’t cool. Any lender who charges you more than 10% APR is guilty of usurious assessment. In many cases, this is bad enough to put the lender out of business altogether.
3. Licensing and Official Representation
Every representative whom you speak with in our company follows the legal policy of official licensing. This means that every one of us has been tested and certified to be able to make title loans for you.
4. Lending Period
Lending periods may not exceed 30 days in the beginning, but you’re still able to request a refinance if you need more time to pay us off.
5. Seizure of Vehicle
We can’t touch your vehicle unless you’ve fallen behind by more than 30 days when repaying or refinancing your loan.
With all of the benefits of other major lending solutions, title loans Lake City do everything that you expect of a loan and more. Let’s check out those benefits one more time:
1. Cash Delivery: 24 Hours or Less
2. Loan Amounts: Up to Five Digits
3. Interest Rates: Lowest in the Industry
4. Credit Checks: None
5. Easy Rescheduling Services: Absolutely