Why should I pick your company?
We have one of the lowest rates. Clients are funded in 30 minutes or less. Our application fee is the same no matter how much you borrow. No credit checks. Friendly customer service that will work with you during these hard times.
What is a Title Loan?
A car title loan is a fast way to borrow money using the equity in your paid off vehicle as collateral for a loan. Call us now for instant approval.
Do I need good credit to get a loan?
No, your credit history is not a factor. Your approval is based upon your vehicle’s equity, vehicle’s condition and your income.
Can I pay off my loan early without a penalty?
Yes, we do not charge prepayment fees. You can pay off any portion of your loan at any time without incurring a penalty. We encourage you to pay back your loan as early as you like.
How much can I borrow?
You can borrow anywhere from $2,600 to $50,000 depending on the wholesale value of your vehicle and your income. Please fill out the Application to see how much you qualify for.
How long does it take to get a car title loan?
Your money will be ready in 30 minutes or less. Many car title loan companies advertise 30 minutes or less but in reality take much longer, even 24-48 hours. Some competitors request you to go to DMV to add them as lien holder.
Do I have to go to the DMV?
No, we take care of the DMV work for you. No need to waste your whole day at the DMV which a lot of our competitors request in order to get a loan. Remember our entire loan process takes 30 minutes from the time you come to our office and leave with the money and your car.
Are there any fees for a car title loan?
Yes, but we only charge $75 for application fee no matter the loan amount. Most of my competitors charge between 5% – 10% for loan amounts $5000.
How long do I have to pay back my loan?
Typically our loans are for 36 months but can range anywhere from 12 – 36 months depending on your situation. Remember we will never penalize you for paying extra or paying off early.
Does my car need to be paid off?
No. Even if you have another car title loan on your vehicle, you may still qualify with us. Call us to find out how we can help you.
Can I keep driving my car while I have a car title loan?
Yes, you keep the car and the cash while making your scheduled payments on your car title loan.
Can you pay off my car title loan at another company?
Yes, as long as you have enough equity in your vehicle. Call us to find out how we can help you.
Does my vehicle registration have to be current to qualify for a car title loan?
No, we can take care of your DMV work and the fees can be deducted from your loan.
Can I still get a car title loan if I lost my title?
Yes, if you’ve lost your title, we will help you obtain a new title to get a car title loan. If a lien is on record at the DMV, you must get a lien satisfy from the previous lien holder.
Do you accept Salvaged cars?
Yes, we do accept salvaged cars but depends on the value of your vehicle. Call us for more information.
How much does my car have to be worth to get a car title loan?
Your vehicle must have a wholesale value of at least $5000 in order to qualify for a car title loan. You can submit an Application or Call us and we will glady help you determine how much you can get.
Do I need to provide an extra set of keys?
No, unlike many other car title loan companies, we do not require an extra set of keys.
Do I need to be currently employed?
No, you can be on unemployment, disability or retired. All we need is proof that you receive enough income in order to make your monthly payments. We also accept co-signers if needed.
Why choose a car title loan over a bank loan?
Most people choose car title loans because they do not qualify for traditional bank loans. Car title loans are also processed more quickly and have fewer requirements than bank loans.
How long will it take to get approved?
You will be approved in minutes during office hours and notified first thing the following business day for application received after hours.
Can I still get a car title loan if someone else’s name is on title with me?
Yes, only if it has an “or” between both names. Example – John Doe or Jane Doe. If it says John Doe “and” Jane Doe or John Doe “/” Jane Doe both persons will need to sign for the loan.
What documentations do I need to provide for a car title loan?
You will need to provide the following:
- Certificate of Title (Lien Satisfy or Lien Release acceptable)
- Proof of Insurance (Full coverage with maximum $1000 deductible)
- Proof of income (2 recent paystub or 2 months bank statements)
- Driver’s License (Must be 18 years or older)
- Proof of Residence (Current utility bill)
- 5 References (Family and friends)