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Title Loans St. Charles, IL

What Do You Need To Do To Take Out Car Title Loans In St. Charles, IL?

St. Charles is a city in the DuPage and Kane county area of Illinois. It is west of Chicago and a part of a tri-city area, together with Geneva and Batavia. The location of St. Charles was once inhabited by Native Americans but became an American settlement in 1832. The city was very isolated until the construction of railways and streetcar lines in the late 1800s. Some of the city’s homes were also the site of stations of the famous Underground Railroad. European immigrants from Ireland, Sweden, Belgium and Lithuania settled in this area during the 1840s, 1950s and at later dates.

When you have financial needs, even ones that seem extremely difficult to get under control, you should know there is a way to handle them without throwing up your hands up and thinking it’s the end of the world. You can solve your financial problems without having to plead your case to a bank loan officer on why they should grant you a loan, or having to feel you’re a burden on your friends or family by asking them for money. No, you don’t have to sell anything on eBay or try to pawn it, and that might take too much time or sacrifice on your part. Instead, you can get the money you need through auto title loans in St. Charles, IL.

Auto title loans are not legal in every state, but fortunately Illinois understands that people sometimes need quick online title loans because they have more flexibility than others. Unlike business loans or even some credit cards that banks ask how you plan to use, our lenders aren’t concerned with that. So long as you pay the loan back as you agreed to, what you do with it is completely your own business. Our application is simple and if you own a vehicle, you’ll probably be approved.


You Need Your Title For Auto Title Loans St. Charles

Our online application for auto title loans in St. Charles, IL can be done very quickly if you’ve got the right information and documents in order. First, you’ll need to know your vehicle’s make, model, mileage and year and once you’ve filled in that information along with your contact details, you’ll receive a title loan estimate. Second, you’ll need to have your vehicle title on-hand because our lenders will need it to pledge your vehicle as collateral.

You usually are given your vehicle’s title once you purchase it and bring it off the lot. But until you finish making all the payments on it to make it completely yours, it will usually still have a lienholder still listed on it. You’ll need to make sure you have no lienholders listed on your title by finishing paying off your car, or going to your local DMV center to have your title cleared. Once you’ve done that, you’ll need to bring it along with your vehicle to the title loan store so you can have your vehicle inspected and sign your loan agreement papers. You’ll also need the following items:

  • A government photo ID that proves you’re at least 18 years old and reside in Illinois. Usually it will be a driver’s license but could be a passport, permanent resident ID or military ID.
  • Another document that shows income and your physical address that could be a paycheck stub, W2 form, bank statement etc.


Title Loans St. Charles, IL Aren’t Just For Cars

If you have other vehicles besides a car, you may be able to take out title loans on them. Besides small cars, pickup trucks and SUVs, we also have motorcycle title loans. If the vehicle is worth quite a bit and the title is clear, our lenders generally accept it. Usually the loan is given for about a quarter or half of a vehicle’s value, but be aware Illinois law only lets you borrow up to $4,000. You also cannot have more than one title loan out at once and even once you pay one off, you’ll have to wait 15 days. But other than that, you should be able to get approved for auto title loans fast and have your money the same or next day. If you have any more questions about car title loans, we’ll be happy to answer them.

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