FAQ


FAQ

What if I am late to make a payment on my auto title loan?


There is a 10-15 day grace period to pay your loan payment from the day it is due. You will be charged a late fee following the due day of the payment.


When is the first payment due for a car title loan?


The first payment is usually due 30 days after the contract is signed. You may also make arrangements to setup your payment to be made on the day you get paid.


How much does my car have to be worth?


The car needs to be worth more than the amount of money you borrow.  It takes only a few minutes to find out how much you can borrow, and there is no charge and no obligation to find out.


Do I need to be currently employed?


No, but we do need to know that you have the ability to make your payments. This means you need some sort of income that you can prove.  We do allow co-signers on the loan if necessary to get approved.


Can you help if I already have a auto title loan with another company?


Yes.  We offer some of the lowest rates and payments in the industry.  We can often payoff your existing auto title loan to lower your monthly payment and save you money.


Does my automobile need to be paid off?


No.  Many people who have a few payments left on their auto loan still qualify.  Best of all, we offer some of the lowest rates and payments in the industry.  We can often payoff your existing auto title loan to lower your monthly payment and save you money.


Is there a penalty to pay my loan early?


No.  There is no penalty to pay your loan early.  In fact, paying your loan early will reduce the interest charge on your loan.


Do we need good credit to get a auto title loan?


No, a auto title loan is a good way for those with bad credit or no credit to get the cash they need. We use other factors such as value of your automobile your income to see if you can pay back.


What are the requirements for a auto title loan?


  • Clear auto vehicle title
  • Need proof of insurance
  • Auto vehicle in driving condition
  • Need a valid Driver’s License
  • Active checking account
  • Verifiable income
  • Proof of address
  • At least 18 years old

What if I don’t have my vehicle’s title can we still get a loan?


Yes, if your vehicle is paid off, we can process your loan as long as you are the registered owner or the vehicle.


How long does it take to process a auto title loan?


The application process varies, but once your application is approved and all documents processed you will have cash usually within few hours.


How much can I borrow on a auto title loan?


The minimum loan amount is $2500 and the maximum loan amount is $25,000 for a auto title loan, based on the condition and value of your automobile.


What is a auto title loan?


An auto title loan allows you to use your car’s title as collateral to borrow money based on the value and condition of your vehicle. The loan amount is based upon the vehicle’s value instead of the borrower’s credit score.  The borrower gets to keep driving the car while the loan is being paid.