Frequently Asked Questions

What Is an Auto Title Loan?

An Auto Title loan is dependant upon the wholesale value of your vehicle. You are giving your Car Title as collateral for the loan. We lend up to 60% of the vehicle’s wholesale value.

How long does it take to get a car title loan?

You can get your cash in as little as one hour. Call 1-888-202-3451 now, or apply online, officers are standing by. Why wait, Get your automobile title loan today.

Can I keep my car?

Absolutely, we keep your title; you keep and drive your vehicle. When the loan is paid off we give you back your title.

Do you do motorcycles and RV’s?

No we do not, but we do cars, trucks and vans. We also have a classic and vintage car program as well.

What if I have bad credit?

We don’t base our decision on your credit score. We do run credit for documentation purposes. We consider all credit types. To see if you qualify to get cash for your car title call 1-888-202-3451, or apply online. .

How much does my car have to be worth to get a loan on my car?

We go by Kelley Blue Book Wholesale value, and it has to be worth at least $3,500. You can check to see if your car qualifies by going to Kelley Blue Book and entering the year, make and model, and the mileage of your car.

Is there a penalty if I want to pay off early?

No, we don’t have a pre-payment penalty. You can pay off anytime you like without the hassle of a . pre-payment penalty. You can pay it off in a month, six months, or keep it the full term. It’s your choice. Either way we don’t penalize you for it. Why wait apply for a car title loan today!

How long is the loan period?

We give you up to 36 months to pay off the loan. You can work with one of our loan officers on a shorter term to best suit your needs.

What is the difference between a car loan and a car title loan?

Car loans are specifically for obtaining a vehicle or financing a vehicle. Car title loans are dependent on the wholesale value of your vehicle. You are using your car title as collateral to obtain an auto title loan.

Does the car have to be in my name?

Yes, whoever is getting the auto title loan; their name needs to be on the title. If you need to switch the names over we can take care of that as well.

What types of documents will I need to provide for an automobile loan?

Generally you will need a driver’s license, most recent pay stub, proof of insurance (full coverage), Utility bill (gas, electric, water or cable), six references, and the vehicle for inspection.

What if I’m on disability?

We take all situations into consideration. We do accept disability and retirement.

How will I get my money?

When you come in to sign your paperwork and we inspect your vehicle. We give you a check. You can apply and get your money the same day in most cases.

Will this help my credit?

Yes, we do report to the credit agencies. Getting an auto title loan is a great way to improve your credit. You can pay off credit cards, or other loans with the auto title loan. So you will benefit from paying off your bills which looks great on your credit and paying on your title loan.

Do you do salvage titles?

Yes we do, depending on the value of the vehicle. Call one of our loan officers today to see if you qualify. 1-888-202-3451.