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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.
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!
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).
If your car is not yet paid off, but you still would like to take out a title loan, Titlelo can work with you to find a solution. A title loan on a vehicle with an already-active loan would be referred to as a second-lien on the vehicle. A lien is the legal right of possession over property until another party pays off a debt.
Though Titlelo does not recommend this kind of loan, as it is considered a high-risk loan, we want to empower you to make the best decision for your situation. We can discuss all of your options and provide you with our professional recommendations, but at the end of the day, we will connect you with the lender you choose. Titlelo has worked hard to build relationships with lenders that offer these special loans while still maintaining an excellent reputation.
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.
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 The Hills, 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 The Hills 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.