Answers to Your Title Loan Questions

What is a title loan?

A title loan is a secured loan. By providing us with the title to your car as collateral, it allows us to loan you much more money than we otherwise would be able to on an unsecured basis. A car title loan is easy to qualify for because you are using the money you have already put in your vehicle to secure a loan today.

How do title loans work?

Getting a title loan is easy. We want this to be a simple process for you. We’ve designed a process that ensures your title loan experience is fast and enjoyable. In 3 simple steps we can hand you the money as fast as today! First fill out the application available on our website; you will then speak with our representatives who will verify that you meet the necessary requirements for a loan.

Next, one of our mobile loan professionals will arrange to visit you in person to close the loan. This step eliminates the uncomfortable feeling of being in a pawn lending store or unfamiliar area. Many borrowers have met at work, home, and even coffee shops. Finally, the mobile representative will do a quick vehicle inspection and fill out the paper work, that’s it!

How long does this process take?

As fast as you can fill out the application, we'll work to get on the phone with you and get you approved. The application will take you about 5 minutes. Pre-approval in about 2 minutes. Paperwork processing, underwriting, and cash in hand can be as soon as the same day. Once you're qualified for the loan, one of our mobile loan professionals will arrange to meet at a location and time that is convenient for you. Many borrowers apply, approved and meet all in the same day, it can be that quick.

How much can I borrow?

Unlike traditional lenders, we base your loan amount on the value of your car. Once you’re approved we can give you a check on the spot or we can electronically put the money directly into your checking account, it’s up to you.

How much does my car have to be worth?

A vehicle should have a current respectable wholesale value in order to qualify. We understand that each car appraises for different amounts in today's market, therefore we do not charge anything to find out how much your car is worth.

Does it cost anything to qualify?

No. The main reason for our title loan is to find out how much money we can get you. Then we’ll need to ask a few questions in order to get the best loan for you. Our process costs you nothing.

Does my car need to be paid off?

Not exactly. It needs to be paid off or nearly paid off. Many people who have a few payments left on any loan still qualify. What we can do is pay off the loan and you get the extra cash. This is actually a great way to improve your credit score and get caught up.

Do I need to be currently employed?

No. We do need to know that you have the means to make payments we can work with you. We can even work with you if you’re on disability or retired as well. This is a great option for people who have income that varies monthly.

Do I need to have a bank account?

No, we do not require that you have a bank account.

What if I have a history of credit problems?

We are flexible lenders who understand that most people don’t have perfect credit. This doesn’t mean that you don’t deserve a loan to help your current situation. Obtaining a loan and making your payments according to your designed payment plan will actually help raise your credit score.

What documents do I need to provide?

The situation may vary but typically you will need to provide basic documents such as mail, proof of income, a phone bill, and personal references. Based on the loan amount, we may ask for additional documentation, which we will let you know at the time you apply.

How are the payment plans set up?

We first make sure you understand when your payment schedule which you will discuss with your representative. Then for making the actual payment, for your convenience we offer a variety of payment options available to you. Our loans typically range from 6 up to 24 months. We want your payment to be comfortable for your situation, and work with you to make that happen. Paying your payments on time will help assure that your payoff goes down every month.

Is there a pre-payment penalty?

No. You can pay off the title loan at anytime. We suggest paying it back as soon as you can, however we will write the loan for an extended period of time to give you the time you need, if you need it.

How are you different from a pawn store?

The biggest difference is that we come to you! No unnecessary and uncomfortable trips to a title or pawn lending store.


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