Fast Title Lenders
– Fast and Easy
– Car is your Credit
– Online Title Loans
– Title Loan Refinance
– Keep Driving your Car
What is a Title Loan?
Car title loans are a fast and easy way to borrow money when you need it most. They work by using the equity in your vehicle as collateral. This allows you to get a fast loan online with your car title even without perfect credit.
Additionally, with a car title loan completely online there is no need to focus on finding a car title loan location near you. The entire process for these types of loans can be completed 100% online.
If you’re looking for a better option for a fast online title loan you are in the right place. An auto title loan may be a good solution if you have a vehicle with equity, an urgent financial need, and a means of repaying the loan.
Fast title loans can be obtained for a variety of vehicles, with lower payments, in as little as 30 minutes, and for online title loans the same day. Why pay more for the same loan?
Fast Service is Key
Fast Title Lenders understands these loans are often used for unplanned expenses and emergencies. In these cases the need to complete the loan fast is a top priority.
Not everyone has a large savings account or available credit for emergencies. Obtaining a loan quickly is often a necessity.
We prefer to focus on not only lower rates and cheaper payments, but also fast service. This means less wasted time.
The quick and easy process is streamlined and optimized to maximize efficiency and cut out wasted time and effort. This means less waiting.
Preparation, which we discuss in detail, will help ensure your online title loan is completed without unnecessary delays.
Better Interest Rates
We started Fast Title Lenders to inform customers that there is a better and more affordable option to the lenders that charge up to 25% per month interest. Lower rates result in cheaper loans. This equals lower payments for the same loan. Why pay more?
Fast Title Lenders keeps your information safe and secure. Additionally, your credit score is not typically affected when applying. Privacy is at the top of our list. The best companies should safeguard information.
Fast Online Service
Use the equity in your vehicle to get fast cash for emergencies, unplanned expenses, or any other reason. The streamlined and optimized process means same day loans. Speed is a key factor to providing top of the line service and title loans near you.
Online Car Title Loan Benefits
Car title loans online offer a number of benefits, although not all lenders offer these.
An optimized and streamlined process, combined with a lower interest rate, equals unparalleled value and service. Some auto title loan benefits include:
- Easy Instant Online Application – start the process fast 100% online any time
- Real Time Estimate 24/7 – get cost information any time
- Keep Driving your Car – no disruption to transportation
- Title Loan Refinance – save by refinancing a title loan
- Your Car is your Credit – bad credit usually not a problem
- No pre-payment penalty – pay off your loan early any time
- No Hidden Fees – understand all fees up front
- Title Loans near you – with many locations and online options finding a car title loan near you is easy
Online Title Loans also have Costs
In addition to benefits, online auto title loans also have costs. They can be expensive compared to some other loan types. With some lenders, these costs can be, and often are, excessive.
To determine if the online title loan is worth it, perform a simple cost benefit analysis and weigh the benefit of the loan versus the cost.
It is important to note that these are meant to be short term solutions. This includes title pawns, auto title loans, auto equity loans, and vehicle title loans.
With Fast Title Lenders finding the cost is easy. Simply use our title loan calculator to get a real time estimate. Your car is collateral for the loan, so credit history does not dictate the loan amount. Vehicle value does.
Find The Right Title Lender
Before jumping in to any loan, we highly recommend spending some time learning about how title loans work, how interest is calculated, and the related pros and cons.
This will help save you money and make sure you get a loan with a more affordable payment. Taking time to prepare also helps ensure you loan is funded fast.
Additionally, do a bit of research on the lender and find the best place to get your loan. Location is important but not more important than cost or reputation.
Finding a title loan place in your area is good, but finding the best title loan place is better. The closest title loan place may not be the best. Find the best title loan, and if it is near you even better.
Find the Best Online Title Loan
It is better to educate yourself on this topic before you sign a loan agreement. Rushing in to a loan is not advisable. This includes online options.
Finding a lender that is direct and upfront about their costs will give you a better idea of whether or not one is right for you. Understand the rates and terms of the loan before committing.
All loans have pros and cons, but overpaying should be avoided. Finding a reputable company with top-notch service and the lowest rates should be a priority.
Finally, make sure you are a good candidate for a car title loan. These loans are not the right choice for every situation. They vary by state, so make sure your state permits them.
While it may be easy to qualify for a car title loan, this doesn’t mean it is the right decision.
What makes the Best Online Title Loan Company?
Finding the best company that can meet the requirements for your situation should be a top priority. This can be difficult depending on where you look and what you look for.
Try to avoid simply searching for the title loan place that is closest to or near you; instead find the best place with the lowest rates. With more online auto title loan options the deciding factor should not be whether or not the title loan place is near your location.
We realize it can be challenging to find accurate information, and, more importantly, determine how to recognize the good sources of information from the other sources.
Most published articles have an agenda. Many are ways of advertising for either title lenders or their competitors. With this in mind make sure to read multiple sources. Use common sense when you find a site with forms to fill out on every single page and pop-ups asking for your information multiple times.
So, what makes the best title loan company? Is it Size? Cost? Reviews? Availability? Service? Location? Reputation?
The right answer is the company that provides you with the “best solution for your situation”. Obviously you want to make sure they are reputable and have been around for a while.
Cost, honesty, transparency, and convenience are some of the characteristics that factor in. Of course, finding a title loan that is close to you is also a plus.
However, with the number of online title loan companies finding a title loan near you is not necessarily as important as it used to be. Getting a title loan online with direct deposit is fast and easy and it doesn’t matter where you’re located.
There are plenty of companies claiming to be the best. The best company for one situation may not be the case for another. Fast Title Lenders has a proven history of providing information related to finding the best title loans. Avoid paying fees on top of interest if possible.
The process is streamlined and optimized to provide fast loans with easy to understand requirements. Making payments is also easier and more convenient when multiple payment methods are accepted.
Finding the Best Title Loan Place (Title Loans Near You)
Now that we’ve covered what makes the best title loan place, how do you find a title loan near you from the best title loan place? Preparation for the loan is a good place to start.
Define your needs, get an idea of your loan amount and term, and search for the title loan company that can offer a solution that meets your needs. If they are near you that is a plus, but with completely online title loans it is less important than it used to be.
Sometimes neither the closest place nor the first result in a web search is necessarily the right choice. In fact, the opposite is often true. Some of the best title loans are from smaller companies that offer lower rates and better service.
Take some time to find the lender that you feel most comfortable with that provides the most appropriate loan for your situation. This often includes looking into more than just the closest lender.
The Lowest Online Title Loan Rates Matter
Lower interest rates result in cheaper payments for the same loan amount.
Our philosophy for finding the best title loan company is simple and includes the following core principles:
- Offer the lowest rates possible;
- The best customer service;
- A real time estimate;
- Title loans near your location;
- Online options; and
- Fast online approval.
This method typically works and helps customers find a solution to their short term financial needs.
Proceeds from the loan can be used to cover any expense. What if you already have a title loan but don’t have the best rate? Consider a title loan refinance to reduce both your monthly payment and total loan cost.
Fast and Accurate Information Online
Fast Title Lenders believes every customer deserves an accurate estimate and quote.
Some lenders will not provide a quote for one simple reason: the interest rate is very high and they know many consumers will not proceed.
Others prefer to get the customer invested in the process and provide the costs at the last minute.
There should be no “qualifying” for the lowest rate. One of the benefits is no credit check; so borrowers should be treated equally regardless of credit score. This is not always the case.
Use the car title loan calculator to get a real time estimate now and see if one is right for you. There is no obligation. Lower rates equal lower payments with no hidden fees.
Every state is different. Title loans in Florida are different from California title loans for example. Make sure you understand how they work in your state.
Best Title Loan Advantages
When looking for the best title loan online, find a company that offers advantages. The best title loan companies offer the following advantages:
1. Lower Interest Rates
Lower rates equal savings for the customer; therefor ensuring we provide every customer with information on how to get the cheapest title loan possible. With title loans interest rates matter.
2. Straightforward and Direct
The best title loan companies are straightforward, direct, and upfront. Our philosophy involves providing customers with the information they need to make the best decision. This includes real time estimates with our calculator.
We do our best to provide the information needed to make an informed decision, sometimes that decision is not a title loan. There are several top alternatives that every customer should analyze before committing to any loan.
3. Reputable Company
We care about our reputation and are committed to providing our customers with the information to find a solution that fits their needs.
4. No Hidden Fees
The best title loans have no hidden fees of any kind. No loan origination fee and no pre-payment penalty.
Make sure you understand any and all fees associated with your auto title loan.
A lien free title is a title to a vehicle with no existing loans. Typically, “No Liens” will be printed on the front of the title. If you had a car loan at one time and paid it; the lien may be listed on the front of the title stating it has been satisfied. It is still possible to proceed with a loan if you are still making payments if you have enough equity in the vehicle. It may also be possible to refinance a title loan if you are stuck in a high interest one.
Generally, title loans are limited to 50% of the vehicle’s fair market value (find out more about how much you can borrow). This assumes you can afford the monthly payments. If your vehicle is worth $6,000, generally you can borrow up to $3,000. If your vehicle is worth $20,000, generally you can borrow up to $10,000. Some states have maximum loan amounts.
Yes. One of the biggest advantages of a title loan is you get to keep driving your vehicle. You continue to own and drive your vehicle during the repayment period just like any other car loan.
Yes, as long as you let your lender know (and the buyer/dealer). Many customers trade their vehicle in before their loan was paid off. Most lenders will work with you if you want to trade your car in as long as you let them know ahead of time.
Yes, online options are now available in many states. The process is similar, except there is no need for a store visit. When time is an issue you can even get a title loan online funded fast by direct deposit the same day.
Loans can range any where from 30 days to over a year. Recently some lenders have been offering longer terms. These can significantly increase the cost. Make sure to read our post on the real cost of a title loan before committing to a longer term.
One of the benefits of title loans is the amount is based on the vehicle value, not credit score. Title loans are secured loans. This makes credit history less important than other loan types. You do not need excellent credit to get a title loan. In fact, bad credit title loans are common.
Finding a title loan near you is easy. With many locations and online title loan options simply apply online.
Yes, it is possible to get a title loan on any vehicle with equity. The vehicle can be a car, SUV, motorcycle, truck, or RV.
Refinancing a title loan is possible in certain situations. It is important to note that not all states allow a title loan refinance (check the laws in your state). If you are stuck in a very high interest loan, then a title loan refinance may save you money.
Title Loans Near Me?
Many people perform a web search for the phrase “title loans near me”, then pick the first lender they find and hope for the best. Unfortunately, this doesn’t always result in the best title loan. Lenders are very different and rates and costs can and often do vary widely between lenders.
Don’t get stuck in a high interest loan because you simply tried to find a title loan near your location without considering alternatives like online title loans. One benefit of an online title loan is they don’t need to be located near you.
Different states also have different regulations. Texas, for example, has comparably low APRs but there are usually other fees that often make up for the difference.
Additionally, with more title loans available online, including those with no inspection and no store visit, finding the closest title loan place is no longer nearly as important that it once was. Finding the best deal is.
Title Loans Close to You versus the Best Title Loan
Rather than focus on finding a title loan near you, find the title loan place the has the best solution for your specific situation. We cover how to find the best title loan and how to prepare for getting the loan in several of our posts.
This includes how to determine what makes a good title loan candidate, how to perform a cost benefit analysis, how to calculate interest, among other related topics. The goal is to provide every title loan customer with the information necessary to find the best solution.
This solution may or may not be the title loan place closest to you. In many cases, the closest title loan place may charge higher rates than, for example, an online title loan company that serves your location. If they offer title loans online with direct deposit you may not need to leave your home at all.
Instead of rushing to the closest place or the first online title loan company you find. Take the time to analyze several options. Include in that analysis all alternatives that may be of a lower cost.
Title Lender Responsibilities
Part of being one of the top title loan companies includes ensuring we provide customers with related information. We have dedicated a large portion of our resources to doing just that.
We accomplish this by providing detailed interest explanations, insights into how typical title lenders and companies operate, what makes a good candidate, and a wide range of other information.
It is our philosophy that an informed customer makes the best customer. When customers understand how the loan works and the associated costs they are more likely to be satisfied.
We have found that customers generally appreciate transparency and information sharing. For example, there is no title loan that can be instantly completed. Instant online title loans are fast but do actually take time.
A customer who understands the loan agreement, and more specifically, how much their loan will actually cost, is much more likely to result in a satisfied customer.
Online Title Loan Options
Title loans have been a bit slow to catch up with technology for multiple reasons. Additionally, finding a direct lender with a good reputation can be a challenge.
Online options are, however, now available in many states even for title pawns and online title loans with direct deposit. This makes finding a title loan near you much easier.
Simply inquire online to start the process. We should also point out that there are many companies advertising “instant online title loans”. While these may be very fast and even same day, they are not actually instant.
The same benefits that apply to in person loans also apply to online options. Consider all factors before getting your next title loan including interest, fees, repayment methods, and lender reputation.
Additionally, online loans with no inspection and no store visit are also available. These are an option for those without the ability to visit a lender or third party inspector. This is especially true for title loans that don’t require the car.
Vehicle value is the key factor in determining how much you can borrow with a car title loan online, not your credit score. This makes it important to know the fair market value of your vehicle.
If getting top dollar for your online title loan is important to you then find out the value of your car before you apply so you know what to expect.
If you haven’t checked your vehicle’s value now may be a good time to do so. This will give you an idea of what the max loan amount will be.
A vehicle title loan is secured by your car, truck, motorcycle, or SUV. The value of your vehicle will absolutely affect the amount you can borrow. Having an idea of what your car is worth will help prepare for a title loan.
Have a classic or collector car? Classic car title loans are a popular option for car owners that do not want to part with a collector car that is not replaceable. You can also use your motorcycle title to borrow money using the equity in your motorcycle.
A vehicle’s fair market value is what a willing buyer would pay for the vehicle today. You can get an idea from one of the online valuation tools like NADA or Kelley Blue Book.
There are a wide range of factors that can affect the value of your vehicle. The most important are year, make, model, mileage, and condition. For title loans online this information is communicated over the internet instead of in person.
Additionally, vehicle history is important. A vehicle history report will identify any accidents, salvage history, fire or flood damage, and odometer discrepancies.