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What Do I Need for a Car Title Loan?

April 08, 2019

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Car Title Loan Requirements
If you've ever found yourself needing a loan fast and not having the time to get a loan from a regular bank, chances are good you've heard about car title loans. A car title loan is the ideal way to get money you need quick, without having to worry about a credit check or extensive paperwork. If you are in need of a loan, you probably wonder what you need for a car title loan. Let's take a look at the items you will need for a Car Title Loan from TitleSmart, the leading car title company in Florida.
  1. Original vehicle title Your title is what you will use to get your loan. You need a clear title to the vehicle you will be using to obtain your loan. This is a title to the vehicle we will assess to determine the amount of your loan. We won't require you to leave your vehicle with us to get the loan, just the title.
  2. Government-issued I.D. This can be a driver's license or any other identification issued by the government. The important thing to remember is that the name on this I.D. needs to match the name on the title you will use to get your car title loan.
  3. Proof of Residence Show us where you live. A utility bill, cable bill, or a credit card statement will be enough. Any consistent utility bill that comes to the house in your name will show us what we need to know.
  4. Proof of vehicle insurance We will need to see proof that the vehicle is insured. We will call your insurer to confirm that you have the insurance and to add our company name to the policy in case of loss. This will be changed back as soon as the loan is paid off. If you don't have insurance, no problem, we can help you get a policy.
  5. Proof of income This can be proof of a job or some other form of regular income that gives you the means to repay the loan. You don't necessarily have to have a job. Disability or social security payments are fine. A paycheck stub or bank statements are ideal for showing proof of your income.
  6. Personal references Just a few friends or relatives who will verify who you are. These references are for the application only. They are not responsible for your loan at all.
  7. Photos of vehicle We just need clear, detailed photos of the vehicle you will be using for your loan on all sides.
  8. Photos of VIN plate and odometer These are just photographs to help us further identify the vehicle you will be using to secure your loan.
Simple Process to Obtain a Car Title Loan
At TitleSmart, we want to make the process of getting a car title loan in Florida simple and secure. We value your privacy and will never ask you why you need a loan. We will also never share any of your information with anyone for any reason. All of your information is safe with us.

We don't run a credit check either. That's because the amount of your loan is not based on your credit. We don't care if you have good credit or bad credit. Even no credit at all is all right. We will assess your vehicle and base the amount of the loan you receive on that assessment. It's as easy as that. You can even have 12 to 18 months to pay off your loan, depending on your agreement, so there's plenty of flexibility when you have a loan with TitleSmart.

Now that you know what you need for a car title loan, getting the process started is simple. You can fill out the form on our web site, call us, or visit us at our office to speak with one of our qualified car title loan experts. They will walk you through the process and if everything is in order, you can have your money within a half hour. You don't even need to leave your car with us when you get your loan, so you won't have any problems getting to work or using your car while you have a loan out with us. There's no easier way to get a loan when you need money fast.

 Car Title Loan
Have you found yourself in a financial crisis? Are you wondering what do I need for a car title loan? Now that you know what you need for a car title loan and where you can get a car title loan in Florida, come visit TitleSmart and let us help you get the loan you need today. Our car title loan experts are waiting to help you through what can be a challenging time in your life. Don't let an emergency need for cash put you behind. Call us at (954) 404-7306, fill out the form on our web site, or drop in and visit us at our office. Let us show you the "smart way" to get the loan you need 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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