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Title Loans

Do you own a car? Do you need cash now? If so, then a title loan may be an option for you. With a title loan, a car is used as collateral. In order to be eligible for this type of loan, you have to own the car outright; in other words, if you financed it, the loan has to be completely paid off. If that’s the case, you would sign the title of the car over to the lender, and the lender would then allow you to borrow a percentage of the total value of the vehicle; usually up to 25 percent. The lender would hold onto the title as collateral so that in case you default on the loan (you can’t pay it back), the financer would be able to collect some of the money that they lent to you.

In most cases, car title loans are small loans; usually, you can secure around $1,000 from this type of loan. However, there are cases when the amount you can borrow may be higher. You can repay the loan in a single payment after one month, or you can set up installments to repay the loan over the period of a year or two; repayment depends on the stipulations of the loan company that you are working with.

If you are interested in a title loan, read on to learn more about applying for one so that you can get the money you need now.

Car Title Loans Online

Like pretty much anything else these days, you can apply for a car title loan online. There are dozens of lenders that offer car title loans online; the entire process is handled over the internet, from the completing and filing the application, to the distribution of funds, to repayment. As with any other loan, the qualifications for car title loans online will vary from lender to lender, as will the terms and conditions. Make sure you shop around to find the lender that works best for your needs.

You can find car title loans online by simply searching for them on your internet browser. You’ll find plenty of options to choose from, but some of the most reputable companies include:

• Title Max
• Car Title Loan Lenders
• Check Into Cash
• Loan Cheetah

Car Title Loans Bad Credit

Typically, lenders that finance car title loans don’t take credit heavily into consideration when they’re determining whether or not an applicant is eligible. That’s because the car acts as collateral, and therefore, the credit history and credit score of the borrower really doesn’t matter too much. However, with that said, some lenders may take credit into consideration when they are determining eligibility. Therefore, if you have bad credit, you may not be eligible for a loan, or you may be approved, but your interest rate may be higher.
Fortunately, there are plenty of institutions out there that do offer car title loans for individuals with bad credit. Some of the options that we recommend include:

• Car Title Loan Lenders
• 800 Loan Mart
• Title Max
• Title Bucks
• TFC Title Loans
• Loan Cheetah

Car Title Loans Near Me

Want to apply for a title loan but don’t want to do it online? You can apply for a car title loan in person at a lender in your local area. There are several benefits of applying for a car title loan in-person; you’ll be able to receive prompt answers to any questions that you may have, you’ll be able to receive guidance during the application process, and you’ll be able to put a face to a name and develop a relationship with the company.

If you’re thinking about applying for a title loan in-person, you can find places near you that offer these types of loans by simply searching “car title loans near me” in your web browser; you should receive plenty of results to choose from. As always, shopping around is a good idea so that you can find an option that will work the best for your specific needs.

Car Title Loans No Credit Check

While your credit score and credit history usually isn’t a big factor that is taken into consideration when applying for a car title loan, as mentioned above, some lenders that offer these types of loans do review the credit of their applicants. If you have bad credit or no credit, you might not want to run the risk of having your credit checked, as it could potentially affect your eligibility or raise the interest rate on your loan.

Given the fact that so many people have poor credit these days, many car title loan companies don’ even look at credit when they’re assessing applications. You can find plenty of car title loans that don’t involve credit checks by searching online. Our top recommendations include:

• TFC Title Loans
• Loan Cheetah
• 800 Loan Mart
• Payday Champion
• Title Loans Online
• Bridge Payday

Car Title Loans Direct Lender

Many of the companies that provide car title loans are third-party organizations; in other words, they serve as the point of contact that connects loan applicants with lenders. While this can certainly open up more opportunities for you, there is a risk; it could increase the chances that your personal information will be compromised, which is something that you definitely do not want to deal with.

By working with a direct lender – the company that will actually be funding your title loan – you can reduce the chances of having your personal information compromised. Furthermore, approval times can be faster when you work with a direct lender, and you can get the money you need faster. Again, you can find a direct lender for car title loans by searching online; there’s no doubt you’ll find plenty of options to choose from. However, some of the companies that we recommend you consider include:

• One Way Title Loans
• 800 Loan Mart
• Payday Champion
• Car Title Loan Lenders
• Capital Title Loans
• 1800 Car Title Loans
• TFCT Title Loans

FREQUENTLY ASKED QUESTIONS

How To Get Started?

All you have to do is to click “Apply Now” and follow the instructions provided. You need to provide your details and other required information on the online form. Once you have completed the form, submit it and wait for the results. The application process would only take a couple of minutes. You will receive a notification once results are in.

What Are Unsecured Loans?

Unsecured loans are fairly common source of funds especially if you have no collateral to provide. These types of loans requires no collateral and are easier to obtain compared to secured business loans. It is primarily backed by the borrower’s creditworthiness. Unsecured loans have high interest rates since it is not backed by a collateral.

Do I Need A Guarantor?

Typically, applying for such loans require a guarantor if you have bad credit or thin credit line. Since unsecured loans require no collateral, it would be risky for lenders to have no added assurance. However, if you have established a good credit history, a guarantor is no longer necessary.

How Fast Can I Get The Funds?

Using our online lending solutions, you can have the funds deposited to your account within minutes. Unlike traditional lending processes, you don’t have to visit banks or lending centers to get the funds you need. Once you’re approved for the loan, the funds you have requested is automatically sent to your account. You can have it in as fast as 15 minutes.

Is There Any Complicated Requirements?

No. Since it doesn’t require you to provide collateral, there’s no other document needed from you except a proof of income or employment certificate. There’s no need to provide any complicated documents or requirements for you to apply for a loan.

What Happens If I Miss My Payment?

There are times that people miss their payments. We understand. Some lenders tend to be lenient for 1 to 2 months. However, intentionally failing to make payments can have serious consequences. The lender may demand additional fees or charges. Worse, it can severely affect your credit rating.

What If I Lied On My Application?

Lying on your loan application is not recommended. If a lie is caught, the lender has the full authority to void your loan agreements entirely. You may also face additional charges or fees. Falsifying documents could also lead to serious offenses.

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