You can get a loan in just a few minutes by using the equity in your vehicle. If you have the title to your vehicle, whether it be a car, truck, or SUV, or even if you have an auto loan somewhere else, you can get access to Instant Cash when what you owe is less than what the vehicle is worth. For example, if your vehicle is worth $2000 and it is paid off, or if you owe less than the vehicle’s value with some other bank or financial institution, you can use a title loan to get money while you keep using the vehicle. Title loans are best when used for short term situations and not intended for long term loans. It’s just like getting any other loan on your car when you first purchased it, the difference is that we will make instant cash loans on older cars with higher miles. If you have a vehicle in good operating condition with available equity, and a stable income and residence, you are most likely qualified for a title loan.
The process is very simple and only takes a few minutes. All you will need to provide is the vehicle, the title to the vehicle, proof of your income and proof of your address, an insurance and registration card, and a spare key.
We can work with you to help locate some of the items you need while you are in the office. We can help acquire items such as paystubs, proof of residence, registration, and insurance through the use of the internet, phone, and fax machine.
We can still help you, and in many cases get you more money. We buy out other loans all of the time and we guarantee that we will beat the interest rate of any other title lender. We will need you to get a copy of the current title and finance contract, as well as a 10 day payoff for your loan. Once again, if you do not have this information or need some help obtaining it, we would be glad to assist you.
Typically we do not require any cosigners on the loan. There are only a couple of instances where that may be necessary. For example, if the title to your vehicle has your name and someone elses name on it, but does not have the word or on it, both vehicle owners would be required to be on the loan. One other reason may be that the person who owns the vehicle is unemployed, but their spouse has regular income. We are able to have both people on the loan in order to help you both with your financial situations.
The individuals that we can use for a cosigner can be co-owners of the vehicle you are getting loan on, regardless of their relationship to you, and we can also accept your spouse or immediate household member as a cosigner
We do not check anyones credit score in order to get a loan with us. We believe that what has happened in your past does not indicate what you will do with your future. We also believe that privacy and confidentiality are of utmost importance too, and this is why we also do not report to the credit bureaus either. We are proud that we have been able to help many consumers get back on track and will gladly furnish letters of credit recommendation for any customer that requests one
Absolutely! A title loan with Instant Cash is just like any other car loan from a dealership or a bank. You will keep your car to use any way you want while making regular payments.
We base most of the loan amount on the current value of your vehicle. We are able to provide you the vehicles Actual Cash Value (ACV) along with an available loan amount when you bring your vehicle to one of our convenient locations. We are not able to determine values when the car is not present because there are so many makes, models, and series of vehicles, including hundreds of available options, that it is nearly impossible to determine them all over the phone. In addition, a small portion of the loan value is determined by your stability and income.
Our interest rates are based on several factors and unlike most title loan companies, we do not have one set of terms for every single person. We understand that different people have different sets of circumstances and thats why we promise to give you the absolutely best rate possible along with the best terms possible. Remember, if you have a title loan with any other company we will give you an interest rate that is 15 % below your rate with that company and even GIVE you extra money just for switching to us. In most cases we can even loan you more money! Call us for more details!
The amount of your payment will be based on how much money you borrow, the interest rate, and how long you choose to finance the loan for. We can set up payment plans to fit your budget and we guarantee that your loan payment will not be more than 25% of your bring home pay.
We have the flexibility to set up a loan repayment schedule that is convenient for you and we can discuss the best plan for you to pay your loan off quickly. Most of our customers pay their loans off in less than 6 months, but we have the option to set up your account for up to 36 payments.
Each of our loans are set up for monthly payments. The best part is that we can set up your payment schedule for a date that is convenient for your budget planning. This means that if you need your loan to be due in the middle of the month or the first of the month for example, we can do that. Typically, your first payment would be due in 30 days or less from when you receive your loan.
We understand how important convenience is. That is why we have made it so easy for you make your payments with a debit or credit card over the phone and with a money order in the mail. We still love it when you have time to stop by in person to pay by cash, credit card, debit card, or money order.
Absolutely! We want to help you in any way we can to help you get the relief you need. We guarantee that your combined loan payments will not be higher than 25% of your monthly income or that of you and a cosigner
We love having a mutually beneficial relationship with our customers. Just like our loan terms, we have flexible conditions for refinancing, or getting more money back, on your title loan. Most companies will say that you must have a loan for 6 months or 12 months before you can borrow more money and they use the same rule for everybody. If you have equity available in your vehicle, we want to loan you more money. In many cases, our customers do not borrow as much money as they get for their vehicles. If this is your situation, you could come back and borrow more money before you even make the first payment. In other circumstances, your available equity will be based on the payment terms that you choose and could also be determined on how you have made your previous payments. Remember that every situation is different and that each loan is subject to approval. Just call us for more information and we can help you decide the best time to refinance your loan for the most money.