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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.
Working with Titlelo will fast-track you to a lender with the loan that works best for you. Most Union City title loan lenders will provide options to make payments online or by phone, and some lenders will have a physical location. Even without a bank account, you can still pay some lenders with a money transfer (i.e., Western Union or Moneygram).
Want to make early payments? Great! We can also make sure we get you paired with a lender that does not charge prepayment fees.
Since you do not have to commit to a title lender before receiving a quote, you can consider your options and use Titlelo's experts for guidance. A lender with a competitive rate may not offer the flexibility you need, but starting the process over can be daunting. Titlelo compares lenders, rates, and payment options upfront so you can work with a company that lets you pay how you want.
Getting cash for your title in Union City is a great way to keep "business as usual" while working to support all of your expenses. Even though your car is used as collateral for your loan, you never relinquish possession of it. This is not the case with auto pawn loans, which do require possession of your vehicle while using it as collateral on your loan.
Your mode of transportation is crucial to both your quality of life and financial success. With a title loan, you can continue driving to work and school, pick up and drop off kids, and run errands while managing your loan payments.
Depending on your desired loan amount and preferred payment schedule, you could have the loan paid off within one month. Some may need a little longer, and in those cases, it is even more necessary to retain access to a vehicle while earning income to manage expenses. Whether you wish to pay the loan off quickly or in installments, Titlelo can find a lender with a payment option that’s right for you.
Unless you receive your funds via direct deposit, there will be no reason to process your bank account information. It is not required to process your loan, and we respect that you may not want to share this information. Titlelo protects customer data, but the safest place for it is to remain with you.
To apply, you will need to provide only basic information about yourself and your vehicle to Titlelo. There may be more documentation required by the lender to process the loan and disburse funds, including a valid government-issued ID, the title to the vehicle, and proof of income. Some lenders will request proof of address, proof of registration, or proof of insurance (but not always).
If you have researched title loans before, you know there can be strict requirements for the vehicle: mileage, equity, and age. Many lenders will not consider a car that is more than ten years old, but cars retain value for most of their lives. Titlelo works hard to select quality lenders near Union City that have different requirements and loan processes for this very reason. Even if you have an older model, we can still match you with a lender that offers competitive rates without disqualifying your vehicle for age.
Lenders in Georgia may also require additional documentation, such as the title of the vehicle, proof of registration and proof of insurance (but not always). The loan amount will be based on the actual value of the car as determined by the lender's inspection.
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 Union City, 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 Union City 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.