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TITLE LOANS APPROVAL
BENEFITS OF AUTO TITLE LOAN
Fast Application and Approval
Streamlined Verification Process
All Credit Types Accepted With Proof-of-Income
No Pre-payment Penalties
What is a car title loan?
A car title loan is a loan that uses your vehicle as collateral to lend you the cash you need. Your car title loan approval takes into account your ability to repay. There is a lien placed on the title of your car and in return, you get the cash you need. Once you pay off your loan, the lien is removed. You get to keep driving your car throughout the process.
What if I have poor credit?
Even if you have less than perfect credit, you may still qualify for a car title loan. Since a car title loan uses the equity in your car as one factor in approving your loan, your credit score is less of a factor in getting an approval. You will need to provide satisfactory proof-of-income in order to be approved.
What are my Minimum and Maximum period of repayment?
Our loans range from 12 months to 36 months repayment period, depending on the specific loan.
What is the APR for Auto Title Loans Program?
The APR for the Auto Title Loan is 30% – 120% APR Annually for all qualifying customers, meeting all necessary criteria as stated below. (varies based on credit requirements)
What is the cost of my credit going to be?
The APR for our Loan Program is 30% – 120% Annually for all qualifying customers but can be lower depending on your creditworthiness, collateral, and agreed-upon terms. Loan amounts start at $2510.00 and max amount at $25000 with a loan term from 12 months to maximum of 36 months, with APR ranging between 30%-120% annually. Most Auto Title loans will be charged an administration fee (origination fee) in an amount ranging from $250.00 up to 10% of the amount financed.
What is necessary to qualify for an Auto Title Loan?
Minimum loan amounts $2,510
Collateral of acceptable value
Ability to repay
DOCUMENTS YOU WILL NEED TO QUALIFY
- A car title to a qualifying car in your name
- A government-issued photo ID such as a driver’s license
- Proof of Income (ie. paycheck stubs, invoices or bank account statements) showing your ability to repay back the loan
- Proof of residence (ie. a piece of recent mail like a utility bill will work)
- Pictures of the Car
The application process is easy:
- Fill the form on the top
- Complete your application and find out if you qualify
- Get a Pre-approval
- Submit all necessary documentation
- Get your cash
When you’re in need of cash, we can help you. Apply today! Subject to specific underwriting criteria and ability to repay. Other restrictions apply. Not all applications will be approved.
ezcashtitleloans.com (the “Website”) is not a lender or lending partner. It does not make loans of any type, and does not make any credit decisions. The Website collects personal information provided by you and share it with its network of lenders as well as marketing partners. Providing your information on the website does not guarantee you will be approved for a loan or credit product. This service and lenders are not available in all states. In some cases, you may be connected with a tribal lender.
Tribal lenders are subject to tribal and certain federal laws only while other lenders are also subject to state law including usury caps. By submitting your application, you acknowledge, agree, and authorize that (a) your information may be shared with third-party marketing partners and lenders in our network, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness. If you have any questions about your loan, please contact your lender directly.
(a) Loan approval is subject to meeting the lender’s credit criteria, which may include providing acceptable property as collateral. Actual loan amount, term and Annual Percentage Rate of the loan that a consumer qualifies for may vary by consumer. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. Consumers need to demonstrate ability to repay the loan.
(b) Form Inquiry processes could take five (5) minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Funding time is based on the time from final approval following receipt and review of all required documents and signing.
Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed. Lenders recommend and encourage consumers to pay early in order to avoid additional finance charges.