When You Get a Loan
When the underwriter contacts you, they will quote you a number which is the maximum amount they can loan you. You do not have to take that full amount but you can if you desire.
You will also be quoted an interest rate. Note that this rate is a monthly rate, not yearly, based on the amount of the loan. You will make monthly payments based on the duration you request, the interest rate amount and the principal.
You will also be quoted an interest rate. Note that this rate is a monthly rate, not yearly, based on the amount of the loan. You will make monthly payments based on the duration you request, the interest rate amount and the principal.
Things You Will Need
- Free and Clean Title
- Govt. issued photo ID
- Three references not related to you
- Insurance (some states require this but not all)
- Social Security Card (or a Document on which your name and SSN both are listed)
- Pictures of your car (all 4 sides including VIN and Odometer).
Getting the Loaned Money
Car Title loan lenders are finding more and more ways to get you your money. There is a few common ways found in 2019 and some lenders have found some not-so-common ways (which means that some have adopted the method while other have not).
- Go directly to their store or location.
- Go to a partner store. These are usually check cashing or money exchange centers.
- If the state allows it, have a notary public meet you at a place of your choosing.
- Have it wired to your account (same day)
- Have it ACH’ed to your account (next day)
When you've received your loan, the title lender would have advised you on how to make the payments. The larger companies have customer portals, just like at your bank, which will tell you your balance, your payments and what is owed. Most have a gateway to paying online.
Be sure to check and see if you can pay via Western Union to the lender. If you cannot pay online and you have cash and miss the deadline for the payment for that day, you can still pay (if they are set up for it) with Western Union and your payment will be dated the same day.
Be sure to check and see if you can pay via Western Union to the lender. If you cannot pay online and you have cash and miss the deadline for the payment for that day, you can still pay (if they are set up for it) with Western Union and your payment will be dated the same day.
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Don't Get Your Car Repossesed
The best way to avoid repossession is to keep the money flowing back to the lender…. even in small amounts. That shows you are trying.
Even if it is partial payments, those small payments will help you in your conversations with the lender. They would rather repo a car from a person who is intentionally doing everything they can to avoid the reposession by lying about their identity or making sure that they have no way to find the car. Although that may work in the short run, the law is on the car title loan lenders side.
Even if it is partial payments, those small payments will help you in your conversations with the lender. They would rather repo a car from a person who is intentionally doing everything they can to avoid the reposession by lying about their identity or making sure that they have no way to find the car. Although that may work in the short run, the law is on the car title loan lenders side.
"Everyone has a plan 'till they get punched in the mouth." Mike Tyson