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Titlelo works for our customers, not lenders. We offer personable customer service and will take the time to answer any questions you have. We offer instant pre-approval and fast cash, but we don't want you to feel rushed in the process. Chat with us online or call us to learn about what services or lenders may provide the best opportunities for you.
Once we learn more about you, we can help find the perfect lender. Compared to other loan brokers, we are as flexible as they come! We will help you secure a loan no matter how old your vehicle is, its mileage, or the amount of equity it currently has. We do not require proof of employment or minimum monthly income, and you do not need a bank account. We can even help you find a lender for a second-lien on your vehicle (if it is not currently paid off).
If your car is not yet paid off, but you still would like to take out a title loan, Titlelo can work with you to find a solution. A title loan on a vehicle with an already-active loan would be referred to as a second-lien on the vehicle. A lien is the legal right of possession over property until another party pays off a debt.
Though Titlelo does not recommend this kind of loan, as it is considered a high-risk loan, we want to empower you to make the best decision for your situation. We can discuss all of your options and provide you with our professional recommendations, but at the end of the day, we will connect you with the lender you choose. Titlelo has worked hard to build relationships with lenders that offer these special loans while still maintaining an excellent reputation.
There are no hidden fees when applying for a loan with Titlelo. Apply online for free and receive instant pre-approval. Titlelo works with numerous lenders and can help customers understand exactly what they are paying on a loan. Each lender is different, and we will help you understand the fees your lender charges. We strive to work with lenders that have reasonable fees: including no prepayment fees. If you are interested in making early payments, we will match you with a lender that does not charge an additional fee.
When applying for pre-approval, provide your name, contact information, and vehicle information. There will be no credit check or employment verification. Your lender will complete an inspection of your vehicle to determine the final loan amount, and they may request additional documentation, like proof of income and a valid government-issued I.D.
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.
We work for you, not a lender. Titlelo offers customized solutions for people who need a loan fast. Rather than telling you what options you have, we listen to your needs and provide recommendations based on the lenders that offer what you want. You never have to worry about finding the best rate: we do all the searching for you and narrow your options down to only the most competitive lenders. Titlelo will strive to find a lender that matches your requirements.
Since we work with so many different lenders, we can offer solutions to people in every financial situation. If you have applied for a title loan in Valencia West the past and have been denied, don't be discouraged. There are plenty of lenders that Titlelo can work with to approve your loan.
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.
In the State of Arizona, the maximum monthly rate for a title loan below $500 is 17%. If the borrower’s title advance ranges from $500 to $2500, the monthly interest rate is usually set at 15%. Anything between $2500 and $5000 would get a maximum interest rate of 13%. For any loan amount that exceeds $5000, the monthly rate would be set at a maximum of 10%.
Late payments mean additional charges and interest, but this should be clearly disclosed in the contract. Arizona laws state that penalties should not exceed 5% of the remaining balance.
The minimum requirement for a car title loan in Valencia West, AZ is a government-issued ID and proof of monthly income (banking records are accepted).
Although the title of the vehicle showing the borrower as the owner is required by some lenders, some lenders may still provide a loan by basing it on the vehicle’s equity. For loans with a higher amount, lenders may also require proof of insurance. Some lenders may also require personal references.
Arizona laws are flexible when it comes to loan extensions. Many lenders allow extensions especially if there are urgent circumstances that explain the delay in payments.
On an average, borrowers roll over their title loans up to 8 times. This means that a $500 loan could end up ballooning to $1500 considering the 17% rate cap. A $1000 loan, with its 15% cap, will end up costing $1150 after the 8th extension.
In Valencia West, lenders may repossess a vehicle when the borrower defaults on the loan. Arizona laws state that borrowers have up to 11 days after the due date to pay their balance. Some title loan companies are more flexible, so it is possible to arrive at a compromise in the event of an extension in case there are unexpected setbacks on the borrower’s part.