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Bad credit title loans in Pine Crest, TN.

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.

Competitive interest rates for everyone in Pine Crest.

A secured loan, like Pine Crest 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.

The best secured loans in Pine Crest, Tennessee.

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).

Fast cash for any car in Pine Crest.

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 Pine Crest 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.

Live experts ready to help. Give us a call.

Receiving a title loan from Titlelo is simple and fast, but we want to go at your pace. If you have any questions about short-term loans, the loan process, lender requirements, or simply want to share your experience, please call us.

We provide a personalized service to match consumers with the right lender based on their situation and preferences. Rather than attempting to fit the requirements of a lender, we find a lender that fits your needs. Before you apply for a loan directly, allow us to compare lenders for you and narrow your list down to a select few. Not only will you receive the best rates, but you will have an advocate to ensure you receive a loan from a trustworthy company.

We make applying for Pine Crest 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.

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Tennessee title loan laws

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.

Requirements:

Borrowers who are securing a title loan in Pine Crest 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.

Loan Extensions:

Title loans in Pine Crest, 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.

Repossessions:

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.

Got questions? We've got answers.

An auto title loan is a short-term loan that uses your vehicle's title as collateral. No credit check is required, and repayment is usually due within 30 days but can be extended with an installment plan if needed. The amount available for you to borrow will depend on the value of your vehicle.

Title loans are great alternatives to traditional bank loans since they do not require a credit check and can usually be processed much quicker. There are fewer requirements for income, employment, and documentation, and interest rates are lower than unsecured loans.

Other short-term loans, like cash advances and payday loans, can have high-interest rates, additional fees, and strict terms. Auto pawns (not title pawns) are secured short-term advancements, but use your actual vehicle as collateral, rather than just your title.

Title pawns, pink slip loans, auto equity loans, and auto collateral loans are all terms that can be used to describe types of title loans.

Titlelo offers title loans in twenty-one states. We have partnered with reputable lender with multiple locations across the United States. Although Titlelo is headquartered in Florida, you'll be able to complete the loan process online or with one of many local title loan companies.

Looking for title loan places open on Sundays? We've got you covered. For your convienence, we've also partnered with lenders in your area that are open on the weekends. Never worry about an unexpected emergency again. Visit one of our many partner locations near you to get the help you deserve.

No problem! Title loans are secured loans, which means they use collateral instead of credit history to determine the interest rate. No credit information or sensitive personal information (like your social security number) is required. Apply online with your contact information and a few details about your vehicle and receive instant pre-approval.

The lender may request additional information to process the loan including a valid government-issued ID, your vehicle's title, and proof of income. Income does not have to be regular employment and can include payments from disability, social security, child support, alimony, unemployment, and self-employment.

Some lenders may also wish to see proof of address, car registration, or car insurance. If you prefer not to provide certain documentation, let your Titlelo expert know, and they will match you with a lender with fewer requirements.

The amount of your loan is dependent on the value of your vehicle and loan regulations in your state. Generally, title loans can be approved for amounts as low as $200 to as much as $25,000. To determine the value of your car, the lender will complete an inspection of your vehicle.

Apply online to prequalify for a car title loan with only minimal information about your vehicle: make, model, year, and estimated mileage. The expected amount of your title advance may change depending on the condition of your car, as determined by the lender's inspection.

Titlelo will match you with a lender in your state and will help schedule the inspection of your vehicle (either at your location or the lender's). After the review is complete, the value of your car will be finalized in the loan. You may choose to borrow all or some of the approved amount and can receive the funds the same day (if opting for direct deposit).

Yes! Even though your vehicle's title is used as collateral and the loan amount is established by the value of your car, your vehicle will remain in your possession during the entire life of your loan.

Unlike an auto pawn, which requires your actual vehicle as collateral, a lender of a title loan will only request your vehicle's title. Since this is still a big financial decision, you want to be sure to work with a reputable lender. Titlelo will help narrow down your options to a short-list of trustworthy companies that offer competitive rates and realistic terms.

After establishing the value of your vehicle with an inspection by the lender, the loan will be finalized and the funds disbursed. You will continue driving your car to work, school, and to run errands while making payments on your loan. When the loan has been repaid, you will receive your vehicle's title back from the lender.