Some Frequently Asked Questions About Title Loans

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How do I get started?

The first step is to fill out the online title loan qualification form. It is only a few questions and will allow one of our loan representatives to contact you. The representative will ask you about your situation and your vehicle. Once we know this, we can get you an amount for your loan. Once we know that you can decide if you want the loan.


What is a Car Title Loan?

This is a secured loan based on the equity value of your car or auto. You will still get to keep the car in your possession.


How Much Can I Borrow On My Auto Title?

You can borrow up to $50,000. This will vary depending on the value of your car and how much you are able to pay.


I have two cars. Can I get one loan based on both?

Sometimes we can do two separate loans for each vehicle.  The vehicles both have to qualify and you need enough income to repay both loans.


Do you do motorcycle title loans?

Under certain conditions. One of our underwriters will explain when you go over the loan.


What if the car is titled in a different state?

We work with people in a number of states but you will need to sign the paperwork in the state of which you live.


Does my car need to be paid off?

Maybe. On newer cars, we can incorporate the last couple payments into a car title loan.


Do I need to have good credit?

Not at all. That is one of the great things about a car title loan. We care more about the equity in your auto than your personal credit history.


Do I need to be employed?

We are more concerned that you have a way to make your loan payments. We will require that you show there is some income to cover the payments. You can be self- employed, or even receive income from some source other than an employer such as rental property or annuities.


Is there a pre-payment penalty?

None whatsoever, and this is a key reason why you should use us. Many companies do not want you to pay your loan off early and the pre-payment penalty could be as much as your regular interest payment multiplied by the remaining life of the loan.


How fast does the process take to get the loan?

We will have you pre-approved in a matter of minutes. Then the paperwork can be done in about an hour. This depends on your situation and how fast you can put together the items needed for verification purposes.


Do I have full use of the car?

100% yes. We do not hold your car at all.


Do I need a bank account for a loan?

No. We do not require a bank account at all.


I am concerned about putting my information on your site? How do I know my information is safe?

We care a great deal about your privacy. We do not ask for any confidential information such as your social security number on this site. Plus, you should know that we will never sell or distribute any information you give us to anyone other than the direct lender. We will not do business with a lender that sells or shares your information with anyone other than themselves.


How do you determine the value of the auto?

We use the standard information such as the car mileage, year, make and model but we go further with our enhanced process and add to it the condition, the edition of the model, the engine size and the options that the car has installed like a sunroof or if it has leather seats. The more you tell us about your car the greater the loan amount can possibly be.


What if I lost my title, what do I do?

You will usually need to apply for a duplicate title with the state. There are exceptions to this rule so let us know that this situation exists.


What if the auto title is in someone else’s name?

The loan documents have to be signed by the person listed on the title.


When do I get my title back?

When you pay off the loan you will get a release of lien. You can attach this to your title or send it into the Secretary of State to have a fresh title issued.


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