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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.
A secured loan, like Vanduser title loans, is a great option to keep interest rates low, especially for people who may not have the best credit score. An unsecured loan relies on a person's credit history to determine their interest rate, so low credit will often equal a high rate. Since auto title loans are secured by your vehicle, the lender incurs less risk and can then offer lower rates to these applicants (without a credit check).
Even though secured loans usually have lower interest rates, that still doesn't guarantee a competitive rate for your loan. Titlelo works with multiple lenders to ensure you get the very best rates available and loan amounts are based on the value of your vehicle, rather than your credit history. Within seconds, you can be pre-approved for a title loan by entering basic information about yourself and your car.
If you have a title loan in Vanduser 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.
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).
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).
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.
There is a $5000 limit for each title loan in the State of Missouri. However, under the Missouri Revised Statue 367.500, there is no maximum amount on the interest rates charged on these loans. This means the interest rates in Missouri is generally high. A standard rate for a title loan is 25% per month. The average length of a title loan in Missouri is eight months.
All borrowers in Vanduser must be at least 18 years old. The borrower must also present paperwork about the vehicle (title, registration, insurance, etc.) as well as current personal contact details. The lender has the right to do a brief vehicle inspection to guarantee that there’s nothing wrong with the car and to make any necessary adjustments to previous quotes.
Title loans in Vanduser, MO can only be rolled over to the next month twice. When rolling over, the borrower must pay for the interest and give enough payment to pull the remaining principal amount down by 10%.
Missouri law requires the lender to wait for at least ten days after the payment due date before sending a Notice of Default and Right to Cure to the borrower. If the balance is paid by the last payment day, the lender must honor the contract as normal.
After sending the notice, the lender must give the borrower a 20-day grace period to make the payment. If the borrower made a payment but is ten days delayed for the subsequent payment, the lender must send another notice in the mail. For the second notice, the borrower gets another 20-day grace period. When no payment is made for both notes, the lender can repossess and sell the vehicle.
Once the car is sold, the lender can get the unpaid balance and additional fees from the sale amount. But, before the sale, the lender must send another notice (Notice of Our Plan to Sell Property) to the borrower. The notice must include the date, time, and location of the auction. The borrower is also allowed to join the auction. If there is a deficit after the sale, the lender must inform the borrower of the unpaid dues.