Get Started
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 Smith Valley!
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.
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.
While most states require car insurance for every vehicle on the road, not all do. Even within a state that requires car insurance, an out-of-service vehicle could have had its policy terminated months or even years ago (why insure it if it isn't going anywhere?). If you would like a title loan for a vehicle that is uninsured, Titlelo can find the perfect lender for you.
Lenders have different requirements, including specifications for the vehicle to be pre-qualified for a loan, but Titlelo handles that for you. Instead of searching endlessly for lenders offering title loans for uninsured cars that meet your preferences, simply fill out a quick application and let us be your matchmaker.
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 Smith Valley 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 Nevada, there is no limit on the amount the lender can finance to the borrower for title loans. However, the maximum amount of the loan will be based on the current market value of the borrower’s vehicle. Compared to other states, Nevada laws enable the borrower to have more flexibility in getting a loan as large as needed.
Nevada also doesn’t have any cap on interest rates. This enables the lender to charge as much as the company wants. But generally speaking, the monthly interest rate in Nevada for title loans is 25%, which equals to an APR of 300%.
In Smith Valley, the borrower must present a government-issued ID to the lender. Information about the vehicles is also needed. The lender must also consider the income of the borrower to ensure that payments can be made. As per Nevada 604A, the amount must not exceed 25% of the gross monthly income of the borrower.
The standard loan term for title loans in Smith Valley, NV is 30 days. When the borrower fails to repay the amount due on its maturity date, extensions are available. The lender can roll over or renew the loan. The borrower just needs to pay the interest on the loan, instead of the entire amount, after which a new 30-day term starts again. Note that the rollover is charged with a new interest. In Nevada, title loan laws permit a maximum of six renewal periods.
Luckily for borrowers in Nevada, the state’s auto repossession law provides a decent level of protection. When the borrower defaults on the loan, the lender must send a written notice to the borrower at least 30 days before the repossession ensues. During the time frame provided, the borrower can catch up on the late payments. But when no payments have been made, or the payment made is not enough, the lender has the right to repossess the vehicle.
The lender can also sell the repossessed vehicle. However, the company needs to send a notice to the borrower 15 days in advance and offer a repayment plan for the loan’s outstanding balance. This amount can include the loan principal, the interest rate, and any repossession fees that the lender incurred.
If the repossessed car is sold and the sales amount is insufficient to cover the unpaid balance, the lender cannot obligate the borrower to pay for the deficiency.