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Title Loans Pleasant Valley, ID

What, Exactly, are Title Loans Pleasant Valley?

If your credit isn’t perfect, you know how stressful money troubles can be. Who can you turn to when you need a little extra cash to solve them? Banks and credit unions won’t loan you a cent if your credit is damaged. Pawn shops will only give you a tiny fraction of what your valuable belongings are worth. Payday loans typically only allow you to borrow one or two hundred dollars, and then you have to repay the loan in full on your next payday. And begging friends and family members? Humiliating!

How about a better option? It’s called auto title loans Pleasant Valley. What are vehicle title loans Pleasant Valley? They’re a form of secured credit, meaning they require collateral to back your loan. With title loans, the collateral you need is the title to a car or truck you own. Requiring such a valuable form of collateral allows lenders like us to trust you without checking your credit. Title loans Pleasant Valley are perfect for people struggling with credit issues like:

  • Bankruptcies
  • Foreclosures
  • Collections
  • Repossessions

You can have poor credit, slow credit or no credit. It doesn’t matter with Boise title loans because we’ll never look at it.

How Do Title Loans Pleasant Valley Work?

Title loans are simple. Start by getting a quote online. Fill out our loan quote form with your vehicle information, then give us some basic contact information. Right away, you’ll get a quote. How do we determine how much to loan you? Your loan amount is determined by what your car is worth.

We’ll use your contact information to give you a quick, friendly call to answer any questions about title loans you may have. Remember, the quote is free and is not a loan agreement. If you aren’t ready to proceed with the full application, you don’t have to. But if you are, we’ll direct you to our office nearest you. When you come in, please bring these things:

  • Your driver’s license
  • The title
  • The car itself
  • Proof of income
  • Proof of residence

We’ll look at your car to ascertain its condition. We’ll go over your loan agreement and answer any questions you have. Once you sign the documents and give us your title, we’ll give you the money.

You get to keep your car while you make your payments. Once the loan is paid in full, we’ll return the title to you and close your account.

Are Title Loans Safe and Legal?

While title loans aren’t legal in every state, they certainly are in Idaho. This is good news because car title loans give people with damaged credit borrowing options they wouldn’t have otherwise.

To qualify for a title loan in this state, you must be at least 18 years old. You must own a vehicle outright with no payments left. The vehicle in question can be a car, truck, motorcycle, RV or boat. Your name must be on the title. If you own the vehicle with another person and both of your names are on the title, you must apply for the loan together. If you’ve misplaced your title, visit your local Department of Motor Vehicles (DMV) for a replacement title before you come to us.

When we accept your title, we place a temporary lien against it. This gives us the right to take your car if you default on your loan. While this sounds frightening, repossessions rarely happen! We’d much rather work with you to keep your payments on track. If you’re ever unable to make your payments, call us! We’re more than happy to work with you.

How Can Title Loans Help Me?

Auto title loans can give you the money you need without making you pass ridiculously high credit standards. We can even loan you money if you’re between jobs, as long as you have some form of regular income, such as from disability, child support, unemployment or worker’s compensation.

We’re here to give you that second chance you’ve been longing for. Get your free, no-obligation quote today and see how much you qualify for. If you like the numbers you see – and we’re betting you will – we can put the money in your hands in as little as an hour!

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