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Bad credit can result from unavoidable life events, like a sudden illness or death in the family. It can also be cumulative from late payments, bankruptcy, or simply errors in reporting. Regardless of the cause, bad credit can stand in the way of obtaining credit with reasonable interest rates. Getting a title loan in Clarkston is a perfect alternative since it does not require a credit check for approval.
A car title loan is a secured loan that uses your vehicle as collateral, which allows you to obtain credit regardless of your FICO score. With a few details about your car, we can pre-approve you for a title loan and set the process in motion to have your vehicle inspected. The inspection will determine the loan amount, and you will receive approval within 24 hours. Fund disbursement can happen within a few minutes (with a deposit to your bank account) to a few business days (if receiving a check).
Working with Titlelo will fast-track you to a lender with the loan that works best for you. Most Clarkston 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.
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.
While most states require car insurance for every vehicle on the road, not all do. Even within a state that requires car insurance, an out-of-service vehicle could have had its policy terminated months or even years ago (why insure it if it isn't going anywhere?). If you would like a title loan for a vehicle that is uninsured, Titlelo can find the perfect lender for you.
Lenders have different requirements, including specifications for the vehicle to be pre-qualified for a loan, but Titlelo handles that for you. Instead of searching endlessly for lenders offering title loans for uninsured cars that meet your preferences, simply fill out a quick application and let us be your matchmaker.
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.
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.
Utah title loan laws do not limit or regulate the amount that borrowers can get from lenders. As long as their vehicle has enough value, there is no cap imposed. On an average, lenders in Clarkston usually allow borrowers to get around 30%-40% of the vehicle’s value.
There are no caps on the interest rates being imposed as well. The average interest rate being used by lenders in Utah is 25%.
To secure a title loan in Clarkston, UT, the borrower must be at least 18 years of age and must show a government-issued ID as proof of identity. The lender should also ask for any proof of current and expected income to prove the borrower’s ability to pay off the loan.
Title loan laws in Utah allow extensions or rollovers, as long as the request is made by the borrower, unlike in other states where loans are automatically rolled over should the borrower fail to pay within the loan period. To do this, the borrower only needs to pay the loan interest. The principal amount will then be rolled over into a new 30-day term.
Utah laws do not require the lenders to provide borrowers with an advanced notice before repossessing the vehicle used as collateral. The law does not require the lender to give the borrower any grace period, either. The moment the borrower fails to pay the principal, interest and other fees agreed upon, the lender may proceed with the repossession process. Note, however, that the law protects the borrower by making sure that the peace is not disturbed during the repossession process.
Once the car is repossessed, the lender has the option to sell the vehicle. In case the sale amount is not sufficient to cover the loan, interest, and fees, the lender cannot ask the borrower the cover the deficit. However, if there is any surplus on the sale of the vehicle, the lender should return this amount to the borrower.