Get Started
Your data is safe with us! Titlelo uses 128-bit encryption to protect all information that is submitted through our website. Check to make sure there is a padlock beside our web address in your URL bar to verify the site's security.
Even with these precautions, we understand that your data is important and never ask you to share more than what we need to get your loan approved. Since your vehicle will be the collateral for the loan, there is no need to submit private information for a credit check. Your credit remains untouched and sensitive information like your social security number is never even provided.
The privacy and security of our customers and their data is our top priority. If you have any other questions, you may review our privacy policy or contact us!
A secured loan, like Bartlett 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.
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 Bartlett 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 Tennessee 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 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 Bartlett 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.
The title loan laws in Tennessee do not allow lenders to apply an interest rate higher than 2% per month. However, they may add a customary fee that can cover any costs related to having the vehicle appraised, launching an investigation on the title, reporting to local law enforcement, and other similar expenses. This fee is also regulated, and may not exceed 1/5 of the principal amount.
Borrowers who are securing a title loan in Bartlett must be at least 18 years old. The title should also show the borrower’s name as the outright owner. To validate the borrower’s identity, a photo ID is usually required. Some lenders may also have additional requirements, depending on the amount of the loan.
Title loans in Bartlett, TN should not go beyond a 30-day period. However, it is possible to have the loan renewed for an additional 30 days. The renewal is usually automatic unless the borrower decides to surrender possession, interest, and title to the lender completely, or has explicitly expressed that they do not want the loan to be renewed.
Should the borrower renew the loan a 3rd time, an additional payment of at least 5% of the original principal amount is required. This is on top of the interest and customary fees.
Under the Tennessee law, lenders should wait for 20 days after the payment deadline to repossess a vehicle should the borrower fail to make a payment. Within that 20-day period, the borrower may pay for the principal, interest, repossession fee and other customary fees to redeem the vehicle.
If the borrower fails to pay the necessary amount by the end of the 20-day period, the borrower automatically loses all rights to the vehicle. The lender may then decide to sell the car or dispose of it the way the lender sees fit.
If there is a surplus after the loan’s principal amount, interest, and other fees have been deducted from the sale, the amount will be given back to the borrower.