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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!
If you have a title loan in Mound 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.
When consumers compare loans, interest rates are usually front and center. Choosing a loan with the best rate is so complicated that there are entire companies (like Titlelo) designed to solve this problem alone. On top of the interest, processing and penalty fees vary widely from lender to lender, and these charges can really add up. Titlelo strives to work with companies that have the most reasonable fees and highlights lenders that do not charge prepayment fees.
Not every lender offers flexible payment options or schedules, but Titlelo works to narrow down your search quickly. Rather than comparing each lender you can find in a web search, fill out a quick application (online or over the phone) and get instant pre-approval. Titlelo works mostly with lenders who do not charge prepayment fees, but if this is an important feature for you, let us know, and we will be sure to find you a loan without these additional charges.
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.
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 Mound 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 Louisiana 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.
Title loan laws in Louisiana are part of the state’s overall laws on loans and credits. Legally, there is no specific maximum borrowing amount. But, title lenders in Mound practice a ‘practical limit.’ This is generally the value of the vehicle devoid of the expected profit of the borrower. However, to avoid the laws governing the state’s payday loans, the borrower of a title loan must borrow a minimum of $350. The minimum period of the loan is two months.
The loan terms generally carry a 36% APR. But some lenders offer lower interest rates, so shopping around is recommended. The lender may also charge additional fees. If the payment check is returned for any reason, the borrower must reimburse the fee assessed to the lender by the depository institution. The reimbursement amount is only paid once, regardless of the number of times the check bounced.
To obtain a title loan in Mound, LA, borrowers needs to present proof of ownership of the vehicle. Borrowers cannot trade a vehicle that is still under a car payment – as the bank legally owns the vehicle – or if the vehicle is a lease. The borrower must outright own the car. There must also be proof of income and current residence address. The borrower must be at least 18 years old and has a government-issued ID.
If the original loan is unpaid at its maturity date, the lender can charge the borrower for additional fees like a one-time delinquency charge. The lender can also charge an amount equal to the rate of 36% per year for a period.
In general terms, the lender can repossess the borrower’s vehicle if there is still an unpaid balance on the loan’s maturity date. As soon as the agreed period of repayment ends, the lender has the right to repossess the car. The lender may also sell the vehicle. The unpaid balance, as well as the fees accrued selling the vehicle, can be paid off using the sales amount of the vehicle. Any remaining amount will be given to the borrower.