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Your data is safe with us! Titlelo uses 128-bit encryption to protect all information that is submitted through our website. Check to make sure there is a padlock beside our web address in your URL bar to verify the site's security.
Even with these precautions, we understand that your data is important and never ask you to share more than what we need to get your loan approved. Since your vehicle will be the collateral for the loan, there is no need to submit private information for a credit check. Your credit remains untouched and sensitive information like your social security number is never even provided.
The privacy and security of our customers and their data is our top priority. If you have any other questions, you may review our privacy policy or contact us!
No invasive application, no waiting: just a quick online form that will provide you with instant pre-approval. Though our site is encrypted and safe to process your personal data, we don't want to ask for anything we don't need. When you are ready for pre-approval, submit the following information:
After selecting "Get Approved," you will be pre-qualified in seconds. If you have any questions before, during, or after your application, live representatives are available to help. Your final loan amount will be based on the car's value, as determined by the inspection from the lender. Following this appraisal, your loan will be reviewed, and funds could be disbursed immediately upon approval. If you have selected direct deposit to receive your loan, you can have access to these funds the same day.
The purpose of a title loan is to get the cash you need right away. Titlelo offers a streamlined web service that gives you access to pre-approval from any device at any time. As long as you have an internet connection, you can access our site to receive a custom match with a lender. Simply fill out the online form and submit for instant pre-qualification.
If you don't have access to the internet, don't worry! Just give us a call (855-341-4500), and we will process everything over the phone. In just minutes, we will have you pre-approved and matched to a reputable lender near Pine Ridge. The lender will complete an inspection of your vehicle to finalize the amount of your loan and process it for final approval.
If you have a title loan in Pine Ridge but are unhappy with the interest rates or even the customer service, Titlelo can find a new lender to refinance your loan. After learning more about your current loan and vehicle, we will connect you with a lender that will offer better rates and a better experience.
When a loan is refinanced, the old debt is paid off by the new lender and a new loan is created to replace the old one. The new lender will then have rights to the vehicle in case of a default on the loan. The lien on the vehicle (rights to possession in the case of a default) is transferred from the old lender to the new one with the new loan.
Refinancing is a great opportunity to shop for new rates and lenders, but it can be difficult to locate a credible company fast enough to satisfy your needs. Titlelo can match you with a new lender in minutes and lower your rates for good.
Car title loans are short-term loans that are typically paid off within one month, though this does not have to be the case. Finding flexibility for this among lenders can be a challenge, and many also charge fees for early payments. Applying for a loan through Titlelo enables you to locate the lenders that offer the flexibility you need quickly.
Titlelo makes sure you work with a lender that works with you. We work mostly with lenders that do not charge prepayment fees, placing more control in your hands. Payments for title loans can be extended beyond one month, and we can find a lender who will provide this option at a competitive rate.
Applying for car title loans online shouldn't be difficult. Complete our simple online application and enter basic information about yourself and your vehicle. Once you're pre-approved, one of our friendly experts will contact you.
Titlelo will assess your needs and match you with the best lender in your area. Once you've accepted the terms and conditions of your lender, we'll help you gather everything you need to make the process simple and swift.
Visit your local title lender and bring your title, ID, and any other required documents. Review and sign your loan documents and get the cash you need instantly. Drive away with your car and get back to what matters in your life.
The Pawn Shop Act in Alabama covers the regulations regarding title loans. Instead of the usual interest rates charged for title loans in other states, a pawnshop charge is required by title lenders in Pine Ridge, AL. This amount should cover the expenses, losses, cost, and services rendered by the lender. However, it cannot exceed 25% of the principal amount charged each month.
Should the amount collected exceed the fee stated above, the transaction will then be deemed as void.
All borrowers in Alabama must be of legal age. The borrower also needs to present a valid identification card before the transaction begins. Lenders must have an up-to-date license to provide loan services in the state.
During the transaction, the loan ticket must include the name, address, and date of birth of the borrower. The ticket must also notate the exact date of the pawn or purchase transaction, the ID and ID number presented by the borrower, and the physical description (height, sex, race, etc.) of the borrower. The ticket should also reflect the expiration date of the transaction, the amount of the total cash advanced, the monthly rate and charges, and the amount due.
Lenders in Pine Ridge, Alabama have the right to forfeit pledged vehicles that are not redeemed after the 30-day grace period. However, the borrower may also request a rollover. In this case, the payment for the amount borrowed as well as the interest will be rolled over to the next month. As for the current month, the borrower may pay only for the interest.
Note, however, that this would mean higher payments when accumulated. For a lot of borrowers, rolling payments over to the next month make it more difficult to catch up, leading to repossession.
Much like any other loan transaction, pawn loans in Alabama have an expiration period. If the borrower fails to redeem the pledged vehicle on or before the expiry date on the ticket, the lender will still be obligated to hold onto it for another 30 days following the maturity date. The vehicle may be repurchased or redeemed by the borrower within that grace period. However, on top of the payment first agreed for the pledged car, extra charges will be added.
All unredeemed vehicles must be within the pawn shop's premises for at least 21 business days before they are deemed eligible for resale.