Online Car Title Loans in South Vienna
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Collateral loans at your fingertips.

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 South Vienna. The lender will complete an inspection of your vehicle to finalize the amount of your loan and process it for final approval.

Get peace of mind in minutes.

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!

Kiss your money problems goodbye.

Making ends meet is hard enough. What happens when you just can't do it? Both unexpected expenses and planned events, like holidays, birthdays, and back-to-school can all throw a budget off just enough to put a bill (or bills) in jeopardy. A short-term loan can provide you with the money you need to keep your bills current while addressing your additional expenses.

When you need cash, but do not want to open a new line of credit, a title loan can be the perfect solution. Your loan amount will depend on the value of your car, which will be determined by an inspection by the lender you choose. Titlelo helps you compare lenders and select the one with the best rate and options for you.

Flexible loan terms that are right for you.

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.

Fast cash for any car in South Vienna.

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 South Vienna 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 Ohio 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.

We make applying for South Vienna title loans easy.

Apply.

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.

Accept.

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.

Done.

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.

Take control of your finances with one click.

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Ohio title loan laws

In Ohio, the Short Term Loan Act of the state explicitly bans lenders from accepting a vehicle title as collateral for a short-term loan. However, title lenders work under the state’s Credit Service Organization Act. This particular act requires registration and connection for establishments that offer credit repair, debt counseling, and related services.

Under the CSO Act, the lender can issue a loan either in the form of a check or a money order. The lender charges a cashing fee – generally 3 to 6% for each transaction. As such, a $200 loan can reach up to 600% APR.

A lender can also get a CSO license from the state and then act as a broker to aid borrowers to get a title loan from a third party. For the services rendered, the lender can charge anywhere between $25 and $100. The third-party lender also charges fees and interest on the loan. The latter is typically 25% of the loan principal. The minimum loan amount is $1500, and the interest rate is generally 300% or higher.

Requirements:

In South Vienna, borrowers must be at least 18 years of age and must be the outright owner of the vehicle.

Loan Extensions:

Depending on the lender and the third-party agency that grants the title loan, an extension is possible. There are currently no laws or guidelines that control title loan rollovers in South Vienna, OH.

Repossessions:

The borrower typically signs a security agreement for the circumvented title loan process in Ohio. The signed agreement gives the lender the right to repossess the vehicle if the borrower fails to repay the debt on its maturity date. Due to the compound nature of the title laws in Ohio, there are a variety of legal defenses to repossessions for both the lender and the borrower.

But when the loaned vehicle is repossessed, the lender must sell the car. The lender also has to give notice to the borrower within five business days before the repossession happens. The borrower is required to pay different charges which include the past due installments, the late fees, the interest rate and other costs the lender incurred.

If the vehicle is being auctioned, the lender must send another notice to the borrower, at least ten days before the event takes place. The notice must state the time and location of the auction as well as the minimum selling price of the vehicle. Proceeds from the sale will be used to pay off the loan.

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