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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.
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 Hunters Creek Village. The lender will complete an inspection of your vehicle to finalize the amount of your loan and process it for final approval.
Titlelo has simplified the loan process into two clicks (or taps) on our website. No lengthy documentation, credit reports, or employment check. Submit a short application and receive your pre-approval in seconds.
Titlelo will pair you with a lender that offers the best terms and rates for you. As long as you are at least 18 years of age and have a vehicle title in your name, we can offer options to secure a loan. Titlelo has no restrictions on the age or mileage of the vehicle, and we do not require the VIN for pre-approval. The loan amount will be dependent on the value of the car, rather than credit history, and you can borrow all or some of the approved amount.
If you have a title loan in Hunters Creek Village 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.
There are no hidden fees when applying for a loan with Titlelo. Apply online for free and receive instant pre-approval. Titlelo works with numerous lenders and can help customers understand exactly what they are paying on a loan. Each lender is different, and we will help you understand the fees your lender charges. We strive to work with lenders that have reasonable fees: including no prepayment fees. If you are interested in making early payments, we will match you with a lender that does not charge an additional fee.
When applying for pre-approval, provide your name, contact information, and vehicle information. There will be no credit check or employment verification. Your lender will complete an inspection of your vehicle to determine the final loan amount, and they may request additional documentation, like proof of income and a valid government-issued I.D.
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.
Texas title loan laws do not have any cap imposed on the amount of money being loaned. However, the interest rate that the lender applies cannot exceed 10%.
Loan providers are registered as Credit Access Businesses (CAB) and act as the broker between borrowers and third-party lenders. These storefronts are allowed to add fees to cover any costs they incur while the loan is being arranged and guaranteed. Meanwhile, the third-party lender can charge interest rates below the 10% cap because of these additional fees. These additional fees have no cap because they follow CAB guidelines, and not title loan guidelines.
As with any other state, obtaining a title loan in Hunters Creek Village, TX require the borrower to be at least 18 years of age and must have a valid government-issued ID as proof of identity. The lender may also ask for proof of employment or income, as well as proof of registration and the vehicle’s title.
Unlike other cities, a single term for a title loan in Hunters Creek Village can reach up to 180 days. Should the borrower fail to pay within this time frame, the loan can be extended by 30 days as long as the interest and fees are paid. The borrower is allowed to extend his loan up to five times. If these five 30-day periods have been used, the borrower should pay the entire loan in full. Otherwise, the lender may repossess the vehicle.
Under Texas law, the lender can repossess the vehicle the moment the borrower fails to pay on time. The lender is not obligated by law to provide an advance warning or notice about the repossession, nor does the lender need to secure an order from the court. As long as the peace is not disturbed and no property is damaged, the lender can send a representative to collect the vehicle used as collateral.
This does not mean that vehicle repossession is automatically done by lenders in Texas. Because repossessions also add to the cost of the lender, the lender often chooses to work with the borrower on payment extensions to avoid the additional repossession costs.