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Do I Keep Using My Car with a Car Title Loan?

December 23, 2019

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There are many reasons why a Car title loan can be a good idea. For many people, a car title loan is the only option because they need money fast and don't want to go through a lengthy bank loan process. For others, poor credit might the culprit. Many people don't have a credit score that even allows them to get a loan from a bank or credit union. Another problem for some consumers might be the reason they want a loan. With the holiday season coming up, for instance, some people need extra money for gifts. Banks like to ask why you need the money, and depending on your answer, they may or may not issue a loan. Certainly telling a bank you need money to pay bills could result in being turned down for the loan. That's because banks like to weigh their advantages when they issue a loan. They want to know there's a good likelihood it will be paid back, and like it or not, saying you can't pay your bills isn't likely to make them want to lend you money.

Happy with Car Title Loan
A car title loan from TitleSmart is different. Car title loans are available to consumers of all types. At TitleSmart, we aren't going to check your credit. Your credit score has no bearing at all on whether or not you will get a loan from us. In fact, your credit can be good, bad, or you can have no credit score at all. We will give you the loan you need. As for knowing the reason you need the money, we won't be asking you to explain yourself. We believe in your privacy and will assume you know the best use for the money you need. Why you need it is your business, and we don't put any restrictions on what you use your loan for. Maybe you are buying holiday presents, maybe you have unexpected bills, and maybe you want to do some work around the house. It really is up to you. That's because you use your car and its value to secure your loan with us.

You may be wondering how you'll get around without a car. The good news is, you don't need to leave your car with us to get a loan. We know how important your car is to you. We understand that you need it to run errands, go to work, and do the many other things that require a car. Don't worry about it. You don't need to leave your vehicle with us to qualify for a car title loan. That's not how a TitleSmart car title loan works. Your title is all we need. If you have a car title that's free of any liens and in the name of the person applying for a loan, that's all you need. We hold your title for the length of the loan, not your car. That means you continue to drive your car as you normally would while enjoying the benefits of a TitleSmart car title loan.

The Process to Get a Car Title Loan is Fast and Easy
Getting a car title loan from TitleSmart is fast, easy, and convenient. Besides a lien-free car title in your name, all you need to do is bring proof of residency, proof of income, a valid government-issued I.D., and let us take a look at the vehicle you're using to secure the loan. That's all there is to it. You can visit us and have the money you need usually in less than thirty minutes. Our qualified loan experts will be able to tell you the amount of the loan you qualify for and complete the whole process with no hassle, no questions about why you need the money, and no denial for poor credit. It really couldn't be easier to get a car title loan.

Don't have a job? Don't worry about it. Proof of income doesn't necessarily mean you need to be employed. A verifiable source of regular income is good enough. This means you can get a car title loan even if you are retired or receiving disability payments.

Our goal at TitleSmart is to give you the best car title loan experience necessary. We go out of our way to ensure quality customer service and complete respect for our customers and their privacy. We understand that you may be having a financial crisis beyond your control. The last thing you need is someone judging you. That isn't what we do. We are here to make your life easier by helping you get out of a tough situation. We care about each and every one of our customers equally and will always go above and beyond to make sure your car title loan experience is a pleasant one. Our loan experts are always available to answer any questions you may have, so if you need money fast, let TitleSmart be your first choice for a car title loan.

Drive Your Car While You Have a Car Title Loan
Getting the process started is easy. Either fill out the form here on our website or give us a call at (954) 404-7306. We have car title loan experts who are ready to help you get a car title loan today. Don't let bad luck or unexpected emergencies make things tough on you. Don't stress about money. Contact TitleSmart and let us help you get the money you need right now. Our car title loan experts can answer all of your questions and help you get your car title loan fast.

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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