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Working with Titlelo will fast-track you to a lender with the loan that works best for you. Most Two Strike 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.
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 Two Strike 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 you’re in need of quick cash, it may not make sense to open a new line of credit. Consumers who are rebuilding their credit or planning for an upcoming purchase may not even want a credit check to appear on their credit report (not to mention in their FICO score). A car title loan is a great solution for short-term financing with no credit check required.
Titlelo offers personalized service to select a lender that offers competitive rates with the flexibility you need. Our online pre-approval process allows you to receive a quote after providing just basic information about yourself and your vehicle. This information only has to be entered once to review offers from multiple lenders.
To approve your loan and disburse funds, some lenders may require additional documentation, like a valid government-issued I.D. and proof of income. If you have additional questions about the requirements of lenders, Titlelo can help you via our online chat or phone.
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.
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 loans in South Dakota are legal. However, there are no regulations on the amount that a borrower can ask for in exchange for the vehicle title. As of the moment, there is also no cap on the interest rates for title loans. This means lenders can charge whatever interest rate the company deems fit.
Borrowers in Two Strike must be at least 18 years old. The borrower must supply basic personal information like the full name, current address, and zip code. Details about the vehicle, like the VIN, make, model and mileage, are also required. The lender has the right to inspect the car before setting up the loan agreement.
Title loans in Two Strike, SD can be renewed for up to four times. This means if the borrower wasn’t able to repay the principal loan amount plus interest on the loan’s maturity date, extensions are available.
After the fourth renewal, in some circumstances, the lender can either offer four more renewals or declare a default. If the borrower chooses to renew the agreement, at least 10% of the original principal loan amount plus the finance charges that are due must be paid off.
If the borrower fails to repay the loan on its maturity date, the lender can seize the vehicle. Under the South Dakota laws, the lender is not obligated to notify the borrower before the repossession of the car takes place. However, the lender is required to send a notice via mail explaining how the borrower can retrieve the vehicle. The borrower has the right to get the car back only if all the unpaid dues are settled.
If the lender is to auction the repossessed car, the borrower will be informed through mail. If no settlement is made before the sale, the lender can sell the vehicle to anyone. Proceeds from the sale will be directed to paying off the loan. The borrower will receive the remaining balance if there’s any. Note that even if the borrower files for bankruptcy, the vehicle can still be repossessed.