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Can I Get a Title Loan for an Old Car?

August 16, 2019

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Almost everybody can run into tight times financially, but not all of us have the means to help us through those tight financial situations. Many of us are without a savings account we can fall back on, and a traditional loan can be out of the question for many reasons. There may not be a good enough credit score to get a loan from a bank. Even finding a bank that will issue a loan to pay bills can be a problem. Whatever the reason, when you need money fast, you need to find a way to get a loan that doesn't add stress to the situation. That's where an auto title loan comes in handy. For so many Americans, auto title loans are the best way to get a loan fast.

Can I Get a Title Loan on an Old Car?
An auto title loan is a loan that allows consumers to use their vehicle to secure the loan. At TitleSmart, we specialize in getting our customers a loan fast, with minimal requirements. When you find yourself in a financial crisis and you need money fast, the last thing you need is a company that adds to the stress of the situation. At TitleSmart, we go out of our way to ensure each of our customers gets a loan that fits their situation. When you come to us for a loan, our qualified loan experts sit down with you to work out the details of your loan as quickly as possible, minus the hassle and stress you can find when trying to work with traditional lenders.

At TitleSmart, all you need is a few documents that show us who you are and your ability to pay your loan off. The documents we need include the original vehicle title, a government-issued identification that matches the name of the person applying for the loan, matching the name on your car's title, proof of residence ( a utility bill or credit card statement will do), proof that your vehicle is insured, proof of income, a few personal references, photographs of the vehicle, and a photo of the VIN plate and odometer. For proof of income, you just need to show you have regular income coming in. It doesn't have to be a job. You can get a car title loan even if you are disabled and have disability payments. If you don't have insurance on the car, we can actually help you take care of getting insurance. Our goal is to make the entire process as easy as it can be.

At TitleSmart, we also understand that not all of our customers have a great credit score. That's why your credit score isn't even an issue. It doesn't matter if you have good credit, bad credit, or even no credit. Anyone with a car that has a valid title clear of any liens can get an auto title loan from us.

Vehicle Inspection

What If I Have an Old Car?

We hear this question all the time. What if your car is old? Can you still get an auto title loan if your car is old? One misconception is that you can only use new and valuable cars for a car title loan. That isn't true. At TitleSmart, we base the amount of your loan on the equity in your car. Basically, since your loan is based on the value of your car, you can get a loan from us using any car that has value to it. Again, we are here to help you get a loan without the hassle and time-consuming process you might find at a traditional lender, such as a bank. To get an auto title loan from us, all you need to do is bring your vehicle in and we will assess it to determine the amount of the loan you qualify for. The process doesn't take long. We can assess your vehicle and have your loan in your hands the very same day, usually in less than an hour. The best part is, you don't need to leave your car with us to get the loan. We understand that you still need to get back and forth to work, you still need to buy groceries, and you still need to do everything else that comes up in your daily life. You get the money you need and you continue driving the car you use to secure the loan. It really couldn't be easier or less stressful.

If you're looking for an auto title loan, there's no better place than with TitleSmart. Give us a call at (954) 404-7306 and speak with one of our loan experts. We can get the process started over the phone, or you can fill out the form on our website. You can even stop by the office and we'll be happy to get you started. Don't let financial stress get in the way. TitleSmart is here to help.

If you found this article helpful then let us know in the comments section below. Likewise, feel free to share it using the share options below. Want us to cover another topic of your interest pertaining to auto title loans? If so, then like us and follow us on social media, and post to any of our social media profiles the topic you'd like us to discuss: Facebook TitleSmartFL, Twitter @TitleSmartFL, and Instagram @TitleSmart.

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TitleSmart INC makes use of the phrase "Auto Title Loans" for the sole purpose of advertising. We provide auto equity loans. TitleSmart INC is licensed under the "Florida Consumer Finance Act" under Florida Statute 516. For this reason, lender's loans are exempt from licensing requirements under the "Florida Title Loan Act." This lender's approval of loan is based on the consumer's ability to repay the loan and the condition of the vehicle being used to acquire the loan.

Fees: $89.00 Lien Fee, $25.00 Application Fee, and a Document Stamp Tax which changes according to the amount of the loan. The fees are built into the life of the loan. APR: Annual interest rate ranges from 18% to 30%, depending upon current market.

Repayment: Our convenient payment options are designed to fit the consumer's ability to repay a loan. Those options currently range from 6 months to 24 months.

The table below represents an example of the overall cost of a loan. If you have questions or need further information, we are always happy to be of assistance. We want you to fully understand the terms and cost of your loan before you get one.

Loan Amount$1,000$6,000
Interest Rate(APR) 30% - $214.7318% -$733.25
Lien Holder
(One Time Fee)
$89$89
Application
(One Time Fee)
$25.00$25.00
Doc Stamps
(One Time Fee)
3.8321.33
Term 12 months 14 months
Monthly Payment$109.40$489.24
Total of Payments$1,312.81$6,849.33
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