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A title loan is a great solution for fast cash, but it is not the only option. Payday loans are often considered alongside title loans but are only offered in small amounts (usually up to $500) and require either a post-dated check or pre-authorization for a debit from your bank account. A cash advance is another quick option, but typically carries a high-interest rate and other fees.
Unlike title loans (which require your vehicle as collateral), bank loans can be secured or unsecured, meaning they may not require collateral. In the case of an unsecured loan, your credit history will be the primary factor in your approval and interest rate. Since a title loan is a secured loan, your credit history will not be the primary focus during the approval process and can be one of the best options for those with bad credit or past bankruptcies.
Are you looking for a reputable lender near you? Titlelo can narrow down your search in seconds. Tell us a little about yourself, your car, and what you need and we'll take it from there. No endless googling and no questions about quality: we do all the research for you, and we only work with the best title lenders in Shannon!
Selecting short-term financing of any kind can be overwhelming, and the amount of paperwork can become frustrating. To compare rates, you would need to provide your personal information to each lender you would like to review. In contrast, Titlelo only asks what we need to know, and then we give that information to the lenders that will work best for you. You only have to provide your information once, and Titlelo will take care of the rest.
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 Shannon. The lender will complete an inspection of your vehicle to finalize the amount of your loan and process it for final approval.
Over a decade ago, the American Psychological Association began surveying people regarding their stress levels. They consistently found that money and finances are the #1 reported stressor. They also concluded that stress resulting from financial concerns could directly impact the overall health and well-being of Americans.
Stress is regularly discussed in health sources as a contributor to diseases and disorders that range from headaches to heart attacks. It is important to manage stress and remain calm, even when faced with extreme difficulties.
Having an advocate work on your behalf to determine the best loan for you can save you time and ease your stress. Titlelo only requires brief information about you and your car to pre-approve you for a loan. We have live representatives available to chat or answer your call Monday through Sunday from 8 am - 10 pm. Whether you just have a few questions or you are ready to shop for a lender, we can help!
Titlelo has simplified the loan process into two clicks (or taps) on our website. No lengthy documentation, credit reports, or employment check. Submit a short application and receive your pre-approval in seconds.
Titlelo will pair you with a lender that offers the best terms and rates for you. As long as you are at least 18 years of age and have a vehicle title in your name, we can offer options to secure a loan. Titlelo has no restrictions on the age or mileage of the vehicle, and we do not require the VIN for pre-approval. The loan amount will be dependent on the value of the car, rather than credit history, and you can borrow all or some of the approved amount.
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.
Lenders in Georgia may charge up to 25% a month for title loans, which is equivalent to 300% of the annual percentage rate or APR. This means that a cash advance of $1000 will require the borrower to pay $1250 on the due date, which is usually 30 days later.
To be qualified for a title loan in Shannon, GA, borrowers must be at least 18 years old, have a government-issued ID, and have proof of income and residence. Some lenders may require other forms of identification and documents. This depends on the amount of the title loan.
If a borrower enters into a title loan agreement in Shannon and is unable to pay within the given time period, Georgia laws allow the borrower to roll the payment for the principal over onto the next month. However, this means that the borrower would still have to pay the interest rate for the current month.
If the loan costs $1000, each time the borrower tries to roll the loan over onto the next month, the borrower will have to keep paying $250 until the end of the new term. The borrower would also have to pay the principal amount plus one month’s worth of interest, a total of $1250 regardless of how many months of interest has already been paid during the rollover.
Under the Georgia law, a lender may repossess the borrower’s vehicle if the borrower fails to pay the amount owed plus the interest that comes with it within the given time period. From here, the lender may decide to sell the vehicle to cover the loan. Note that the borrower may also have to pay additional charges, which mostly comes from the expenses the lender will incur from repossessing, selling and storing the vehicle.