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Home > Articles > How Title Loans Work | Online Title Loan Process

Car Title Loan Process

Perhaps you have considered applying for title loans in the past, but you were unsure of the process. It is easy to understand how title loans work once you have learned about the simple and efficient application process.

Title loans are unlike traditional loans because they can be obtained in a very short amount of time. In fact, it can take as little as 24 hours to receive your funds. When you are in a bind, there is no better way to access instant cash.

Benefits of Title Loans

The speed of the process is due to the fact that your vehicle is used as collateral for a loan. This is the most important component of the transaction, because your borrowing amount is determined by the current value of your automobile.

Other factors are considered, but none are as vital. A credit check is not even required, because your car acts as a reliable security measure. In other words, you have incentive to pay back your loan in order to reclaim possession of your title.

It is important to note that you will be able to drive during the repayment period. It would be counterintuitive to take away this convenience, because we know that you need a reliable way to travel to and from your place of employment. You will be unable to make a living or pay your debts if you cannot get to work!

Benefits of title loans:

  • You can get a car title loan with bad credit, no credit, or even bankruptcy on file
  • Flexible payment plans that cater to your needs
  • Keep your car while you make payments
  • Takes as little as 24 hours to get your cash

Online Title Loans

Many title loan companies conduct their business online. Often, a company has a number of websites that provide region-specific information. For example, if you are interested in applying in California, you can visit the California webpage in order to gain more details.

It is important to do your research before choosing a company, because each may feature a different set of terms, interest rates, etc. The Internet allows for a plethora of choices, but you must be a discerning consumer in order to find the right fit.

Application Process for Auto Title Loan

Once you have found a company that meets your needs, they will most likely have an online title loan application. This is typically a simple form that asks for vehicle and contact information.

After you have submitted the form, you will often receive a free pre-approval estimate within minutes. This document will outline the amount you are eligible to borrow based upon your car specifications.

If the amount is sufficient, you will work directly with a customer service representative and finalize the details. He or she will design a payment plan that does not exceed your current abilities. Most individuals pay off the loan in monthly installments. The available timeframe will vary depending on the lender.

Once everything is squared away, you will be given the option of picking up your check at a physical location or having the money wire transferred into your bank account.

After you have paid off your loan, your title will be returned to you. Title loan companies are committed to maintaining your privacy, so no one will need to know that you obtained this type of assistance.

When you need to address a pressing issue and do not want to be denied based on imperfect credit, a car title loan can be the perfect solution. Now that you know how title loans work, you will certainly be a responsible and educated borrower.

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** No credit checks on title loans, personal loans subject to credit check.