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At Fast Money Help, we can connect you with a reputable lender in your area that offers car title loans at reasonable rates4, with flexible payment plans. Car title loans provide financial help to individuals who don’t have the time or credit to apply for a traditional loan. These auto title loans allow individuals to use their vehicles as collateral to obtain fast cash, particularly during emergency situations or to supplement their paychecks.

Where Can I Find Short-Term Loans or Advances?

Emergency loans can be used to pay your rent, mortgage, debt consolidation, medical bills, or emergency expenses. Even with budgeting or a financial strategy in place, you may find yourself struggling to make ends meet and in need of fast cash. While in the past, payday loans were the most popular emergency loan option, these days title loans have gained popularity for their minimal qualification requirements and the fast cash disbursement. 

Auto title loans, also known as title pawn loans, are short-term lending options that leverage the value of a borrower’s vehicle as collateral. These loans are designed to provide financial help to people struggling to make ends meet or those dealing with emergency expenses. These quick cash loans offer a convenient way to obtain funds without undergoing a lengthy credit evaluation process. A borrower can use the title of their vehicle as collateral to secure a loan, making these loans particularly attractive for people who may have no credit or low credit scores, or individuals in need of fast financial assistance.

Locations

Fast Money Help offers title loans across the United States. Learn more about the various title loan services and cash options near you.

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Are There Any Legitimate Ways to Get Fast Cash?

The process of obtaining a car title loan is straightforward. A borrower provides the lender with the title of their vehicle, and in return, they receive a loan based on the appraised value of the vehicle. The loan amount typically varies, ranging from a few hundred dollars to several thousand, depending on the vehicle’s value. While the loan term is active, borrowers are permitted to continue using their vehicle as they normally would. This sets car title loans apart from traditional pawn loans, where the collateral is physically held by the lender. With car title loans, borrowers retain possession of their vehicle throughout the repayment period. However, the lender places a lien on the vehicle’s title to secure the loan. Once the borrower successfully repays the loan along with any associated fees and interest, the lien is removed, and full ownership of the vehicle title is restored.

Can You Drive Your Car While Paying Back Fast Cash Benefits?

A significant advantage of car title loans is that borrowers can maintain the use of their vehicle during the loan repayment period, allowing borrowers to continue their daily routines and fulfill their responsibilities without any interruption.
This capability adds to the convenience and appeal of title loans, especially for borrowers who only have one vehicle.

Why Choose An Emergency Loan Over A Traditional Loan?

Car title loans have gained popularity due to their convenience, speed, and accessibility. These loans serve as a lifeline for people facing unforeseen financial emergencies. Borrowers can obtain their loan proceeds in a remarkably short period, with some lenders disbursing funds the same day the borrower is approved! Typically, borrowers can expect to receive their money in as little as one business day, making car title loans an invaluable resource for those who have poor credit and need urgent financial help. This type of cash assistance helps people in need of quick money4 to pay:
  • Medical bills
  • Home repairs
  • Mortgage payments
  • Debt consolidation
  • Car repairs
  • Other sudden and unexpected expenses
Unlike conventional loans that often involve complex eligibility criteria, good credit, and prolonged processing times, car title loans provide a streamlined solution and financial support when you need it the most.

How Quickly Will I Receive My Cash Assistance?

Borrowers can obtain cash benefits in a remarkably short period, with some lenders even facilitating fund transfers within 15 to 30 minutes. On average, borrowers can expect to receive the funds within 24 to 48 hours, making car title loans an invaluable resource in times of urgent need and for those with poor credit.

Do Lenders Conduct Credit Checks?

Unlike many traditional loans that heavily rely on credit scores to assess a borrower’s eligibility, car title loans have a different approach. These loans are not based on credit scores. Instead, lenders evaluate the borrower’s capacity to repay the loan and the value of the borrower’s vehicle. This makes car title loans a viable option for people with no credit, poor credit scores, or limited credit histories.

How Does The Application Process Work?

While the application process for car title loans is relatively straightforward, borrowers must provide specific information, such as:

Vehicle information

Borrowers need to provide details about their vehicle, including its make, model, year, mileage, and overall condition.

Identification

A valid driver’s license or government-issued photo ID is necessary for identity verification.

Proof of income

Documentation such as bank statements or pay stubs are required to confirm a consistent income source, demonstrating the borrower’s capability to repay the loan.

Vehicle title

The borrower must provide the clear title of the vehicle, establishing ownership.

Contact information

The borrower’s address, phone number, and email are required for communication.

How Do I Qualify for Fast Cash Loans?

Eligibility requirements can vary between lenders and states, but typically, requirements for car title loans include:5

Legal ownership.

Borrowers must possess legal ownership of the vehicle and hold the title in their name.

Age and residency.

Borrowers are typically required to be at least 18 years old and provide proof of residency.

Vehicle value.

The vehicle’s appraised value should meet the lender’s minimum criteria for granting a loan.

Income verification.

Proof of a stable income source assures lenders of the borrower’s ability to repay the loan.

What Factors Influence the Loan Amount?

Several factors contribute to determining the loan amount, including:1
  • Vehicle value
  • State regulations
  • Borrower’s income
  • Collateral evaluation
  • Loan-to-value ratio

How Are Cash Benefits Repaid?

The cash benefits for car title loans are typically repaid through a structured installment plan. The borrower and the lender agree upon a repayment schedule at the time of loan approval. This schedule outlines the specific amounts and due dates for each installment payment. The repayment plan is designed to align with the borrower’s financial capacity and the loan term, making it manageable and convenient.
The repayment frequency can vary, but it commonly ranges from monthly to bi-weekly payments. Each payment includes both the principal loan amount and the accrued interest. The interest is calculated based on the loan’s annual percentage rate and is spread across the repayment period.
Borrowers have the flexibility to choose a repayment method that suits them best.

What Happens if I Miss a Payment or Fail to Repay the Loan?

Failing to repay a car title loan or missing a payment can have serious consequences for borrowers. Car title loans are secured by the borrower’s vehicle, which means that the vehicle serves as collateral for the loan. As a result, lenders have the right to take possession of the vehicle if the borrower defaults on their loan. If a borrower fails to repay a car title loan or misses a payment, they may be faced with:

Late Payment Fees

Most lenders charge late payment fees for payments that are not made on time. These fees can quickly add up and increase the overall cost of the loan.

Increased Interest

Missing payments can lead to increased interest charges. Some lenders may raise the interest rate on the loan if the borrower falls behind on payments.

Repossession

One of the most significant risks of defaulting on a car title loan is the repossession of the vehicle. If a borrower fails to repay the loan according to the agreed-upon terms and misses multiple payments, the lender may initiate the repossession process.

Loss of Vehicle

If the lender repossesses the vehicle, the borrower loses ownership and possession of their car. The lender can then sell the vehicle to recover the outstanding loan amount. In some cases, the sale price of the vehicle may not cover the entire loan amount, leaving the borrower responsible for the remaining balance.

Credit Impact

Defaulting on a car title loan and undergoing vehicle repossession can have a significant negative impact on the borrower’s credit score. A lower credit score can affect the borrower’s ability to secure credit in the future, leading to higher interest rates4 on loans and credit cards.

Legal Action

In addition to repossession, lenders may take legal action to recover the outstanding debt. This can involve lawsuits and court judgments, which can further damage the borrower’s credit and financial standing.

Difficulty Obtaining Future Loans

Defaulting on a car title loan can make it challenging to obtain loans in the future. Lenders may view the borrower as high risk and may be hesitant to extend credit to them.

How Can I Borrow Money?

At Fast Money Help, we have an extensive network of lenders, all of which we have carefully vetted to ensure we only connect you with reputable lenders that provide loans. When you contact us, our team can quickly help connect you with a local lender that offers the type of car title loan5 you’re looking for, with the reasonable loan rates4 you need. Contact Fast Money Help now to get started.5

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DISCLAIMER:

The Fast Money Help website does not offer or provide loans; rather, it offers a service. This website does not endorse any lenders or partners, and it does not charge visitors any fees. The website owners do not inspect or evaluate the applications of potential lenders, and they do not approve or deny credit applications. 

The Fast Money Help website gathers applicants’ personal information and transmits it to lenders or partners that are part of the site’s lending/partner network. There is no obligation to use this website, whether to initiate contact with site operators or to attempt to secure financial products or services with any of the site’s lending partners. Transmission of your financial and personal information on the website in no way obligates lenders or partners to offer you a loan or any other kind of credit product or financial service. Be aware that cash transfer times can vary depending on the lender and the bank you use. Under certain circumstances, faxing information may be necessary.

All questions about loans and any concerns you may have should be directed to your lender or loan servicer. These loans are intended as short-term financial solutions to satisfy borrowers’ needs for immediate monetary relief. This is not intended to be part of a long-term financial plan for individuals. These services are not offered in all states. Potential borrowers may undergo credit checks if lenders or partners choose to use any of the major credit reporting bureaus, including Equifax, Trans Union, and Experian. 

They may also use other alternative sources to check credit ratings. Your request for a loan or financial product constitutes your agreement and acknowledgment that (A) your personal data may be shared with lenders and perhaps other third-party partners, and (B) lenders can acquire credit bureau reports that detail your credit history. Reports from major credit bureaus, such as Equifax, Experian, and TransUnion, may be obtained and used to evaluate your reliability as a borrower.

* The locations mentioned are Fast Money Help partner locations. 

  1. Loan amounts by the lenders vary based on qualifications.
  2. Since we do not lend money directly, we cannot offer you a solicitation for a loan or financial product/service. In all serviced states, we WILL connect you with a lender or partner based on the information you provide on this website. We will not charge you for this service, and our service is not available in all states. States that are serviced by this website may change from time to time and without notice. Personal unsecured loans are not available in all states and all areas.
  3. Loans, such as auto title loans, typically do not have pre-payment penalties, but we cannot guarantee that every lender meets this standard. Small Business Loans typically do have pre-payment penalties and occasionally will use your car as collateral to secure the loan. Other types of loans may have pre-payment penalties as well.
  4. All lenders and partners offering loans, financial products, and financial services are responsible for their interest rates and payment terms. Fast Money Help has no control or influence over these rates or payments. Use of the work competitively or reasonably does not mean affordable, and borrowers should use their own discretion when working directly with the lender or partner.
  5. The number of people applying for loans, financial products, or financial services we are able to assist is not the same as the number of people who are eligible to receive them. We cannot guarantee we will find a lender who will fund you. 

We also cannot guarantee that our partners will be able to help you access a financial product or service(s) offered by them. Just because you give us information on this website, in no way do we guarantee you will be approved for a car title loan or any other type of loan or financial service. Not all lenders can provide loan amounts you may see on this website because loan amounts are limited by state law and/or the lender.

Some lenders may require you to use a GPS locator device on your car, active all the time, in the circumstance of an auto title loan. They may or may not pay for this or charge you for this. This is up to the lender, and we have no control over the lender’s policy. Typically, larger loans or higher-risk loans use a GPS if they are secured by collateral.

In some circumstances, faxing may be required. Use of your cell phone to receive updates is optional. Please review our privacy policy.

Loans such as Car title loans are expensive, and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short-term financing to solve immediate cash needs and should not be considered a long-term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm, and you may want to contact the lender directly.

Car title loan lenders and other lenders are usually licensed by the state in which you reside. You should consult directly with these regulatory agencies to ensure 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.

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