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No invasive application, no waiting: just a quick online form that will provide you with instant pre-approval. Though our site is encrypted and safe to process your personal data, we don't want to ask for anything we don't need. When you are ready for pre-approval, submit the following information:
After selecting "Get Approved," you will be pre-qualified in seconds. If you have any questions before, during, or after your application, live representatives are available to help. Your final loan amount will be based on the car's value, as determined by the inspection from the lender. Following this appraisal, your loan will be reviewed, and funds could be disbursed immediately upon approval. If you have selected direct deposit to receive your loan, you can have access to these funds the same day.
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 you’re in need of quick cash, it may not make sense to open a new line of credit. Consumers who are rebuilding their credit or planning for an upcoming purchase may not even want a credit check to appear on their credit report (not to mention in their FICO score). A car title loan is a great solution for short-term financing with no credit check required.
Titlelo offers personalized service to select a lender that offers competitive rates with the flexibility you need. Our online pre-approval process allows you to receive a quote after providing just basic information about yourself and your vehicle. This information only has to be entered once to review offers from multiple lenders.
To approve your loan and disburse funds, some lenders may require additional documentation, like a valid government-issued I.D. and proof of income. If you have additional questions about the requirements of lenders, Titlelo can help you via our online chat or phone.
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 New Harmony 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 Utah 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 New Harmony 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.
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 New Harmony 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 New Harmony, 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.