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Can You Get a Title Loan if You've Filed Bankruptcy?

June 04, 2019

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Many Americans find themselves at one time or another in need of a loan. Often, traditional lenders are not an option. This could be because the borrower has a poor credit score or simply because there is no time to go through the process that many traditional lenders and banks require. This is why car title loans are such a good choice.

Loan with Bankruptcy

What Are the Benefits of Getting a Car Title Loan?

There are many benefits to getting a Car Title Loan. First, there are no credit checks. This means that almost anyone can get a car title loan when they find themselves in need of cash. At TitleSmart, we don't check your credit. This means that you can get an auto title loan through us whether you have good credit, bad credit, or no credit at all. Another benefit of getting a car title loan is privacy. At TitleSmart, we aren't going to ask personal questions about why you need the loan. We understand that emergencies arise. The last thing you want to do is answer questions about why you need the money. You might need the money for unexpected bills, you may even want it to take a family vacation. Your reasons for needing the money are your business.

Time is another benefit of getting a car title loan. At TitleSmart, we don't require a lot of paperwork and we can get you the loan you need the same day you apply. All you need is proof of income (it doesn't even have to be a job), valid I.D., proof of residence, and a car title free and clear of any liens. This means we can inspect your car and have your loan to you many times within an hour.

A Car Title Loan can Help with Financial Stress
At TitleSmart, we offer lower interest rates than typical payday loan operations, which makes a car title loan a better option. We also offer straightforward terms and loans that can be extended for a year. Our loans are based on the equity in your vehicle, which is why your credit isn't an issue.

Get a Car Title Loan Even After Bankruptcy

Another benefit, and one that is important for a lot of Americans, is the ability to get an auto title loan after you've filed bankruptcy. The answer is yes. We know that many Americans have filed bankruptcy, and while a bankruptcy can affect many other types of loans, we are willing to give you a loan after you have filed bankruptcy. As long as you have a vehicle that isn't included in the bankruptcy, and as long as the title is clear, you can use the vehicle to get a loan with us.

At TitleSmart, our qualified loan experts are standing by to help you get a loan regardless of your credit and even if you have filed bankruptcy. There is no waiting period. As long as the vehicle you're using has a clear title, we can get you a loan the same day you apply. All you need to do is bring in the minimal documents required, along with your car so we can inspect it, and we can set you up with a loan that fits your specific needs. This means we will work with you to get you the loan amount you need, along with the terms that best fit your circumstances and ability to repay the loan without adding stress to your current situation. We will sit with you in our office and discuss the terms with you so you're clear on the loan and the terms. We value our customers and it is important that we provide them with the most pleasant, stress-free loan process possible.

Title Loan from TitleSmart
If you have a previous bankruptcy, getting a loan from us is not a problem. If you are currently in bankruptcy and the car you want to use is not a part of it, you can get a loan from us, but you may need to seek permission from the bankruptcy court before you do. Since we don't look at your credit history and base your loan on your vehicle equity, we aren't concerned about the bankruptcy, but you do need to check that getting a loan through us will not affect the proceedings from a legal standpoint.

If you have a past bankruptcy or a vehicle with a clear car title and you need a loan for any reason, give us a call at TitleSmart and let our loan experts work with you to get the loan you need to help you through a financial emergency. Don't let a financial crisis put undue stress on you. We're standing by to get you an auto title loan today. Just give us a call at (954) 404-7306 or fill out the form here on our website to get the process started.

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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