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Title Loans Twin Falls, ID

All About Title Loans Twin Falls

Car title loans in Twin Falls are a unique credit option for people who can’t obtain loans through traditional lenders. Lenders like Title Loans Online break all the rules that other lenders operate by. Instead of making our customers pass credit and background checks, we approve loans for people regardless of their credit histories, even they aren’t employed at the time they apply! It sounds crazy, doesn’t it? But it isn’t.

We believe in offering real help to the people who need it most. And who of us can live without money? We all need it. That’s why we approve thousands of loans without checking a single credit score. We can do this because title loans in Twin Falls are secured loans. That means we need collateral — in this case, the title to your car — to back your loan.

Some people think it’s nuts to put your car title at stake to get a loan, but there are actually benefits to this. For one thing, putting up such valuable collateral gives you the leverage you need to get a loan regardless of your credit. Second, since auto title loans are based on your car’s value, you can borrow much more than with typical first-time personal loans.

How Title Loans Twin Falls Work

You must own a car to qualify for title loans in Twin Falls. Owning means you don’t have any payments left and the title is in your possession, with your name on it. You must also have some form of income. That can be through a job or through regular, reliable payments through sources like:

  • unemployment benefits
  • worker’s compensation
  • alimony
  • retirement
  • child support
  • social security

The first thing you need to do is get pre qualified. Here on our website, you’ll find a link to our online quote estimator. Click through to find a drop-down menu asking for information about your car. Once you enter your car’s make, model, year and mileage, you’ll move on to a form where you enter your contact information.

Our system will generate a quote based on your car’s current marketplace value. We’ll give you a call soon thereafter. This is a good time to ask any questions about title loans you may have. It’s also a good time to decide if you want to get a loan with us. If you do, we’ll direct you to our office closest to you in the Twin Falls area.

When you visit us, bring these things with you:

  • photo I.D.
  • proof of address
  • pay stubs or bank statements
  • the car
  • the title

The application process should be over in less than an hour. Then, we’ll give you the check and you get to walk out the door with your money AND your car. That’s right: we’ll never hold your car as collateral, just the title. We’ll return the title when you pay the loan up.

Of course, things can go wrong. If you default on your loan, we can legally take your car and sell it to make up our losses. But we don’t want to do this! If you can’t make a payment, please call. We’ll work with you to get you back on track.

Legal, Safe Title Loans Can Help

Have you heard that title loans aren’t even legal? Some states have outlawed them; however, in Idaho title loans are legal. We follow all the state’s laws for operating a title lending office, which include explaining the repayment terms in detail and posting our interest fees in conspicuous places.

Are you ready to knock over the financial obstacle in your way? Then get in touch! We can have you in a loan by the end of today!

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