Holiday Special - ALL Loans 8% per month with No lien fee!
Save Big with us. Loans as low as 8% per month, a fraction of the competition.
No Credit Check
We Value Privacy and Discretion. Get the Best Title Loan with us.
Fast and Convenient
Get Cash in 30 Minutes, After Hours and Sunday Appointments for Loans.
Pay your car Title Loan by Cash, Check, Debit Card, Money Order, or PayPal.
No Hidden Fees
We are Transparent; No Hidden Fees of Any Kind; the Best Title Loans in VA.
Keep Your Car
Keep Driving Your Car While You make your auto Title Loan Payments.
Title Loan Calculator:
Use the quick calculator below or visit the full Title Loan Calculator page here
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We are the Different Title Loan Company
We may not be the closest Title Lender to your location, but we are the best title loan company in the Northern Virginia area. Here is a brief summary of what makes us different:
1. We have optimized our business model with one location to help our customers save money on Title Loans.
2. We keep our expenses low and pass that savings on to the customer; ensuring we provide the cheapest title loans possible.
3. We follow all laws and regulations, and do not offer unregulated loans. You can read the VA Borrowers Rights and Responsibilities pamphlet here.
4. We do not charge any fees for getting a title loan with us; no loan origination fee, no lien fee.
5. Our average loan is $3,000; which results in a savings of over $150 a month on a 12 month loan. That is a total savings of over $1,800 using 15% per month (180% APR) as the rate our competitors charge (some charge even more).
Is it worth a visit once to Herndon VA to save big on your next title loan?
View our 5 Star Reviews and see what are customers are saying about us.
Where can I find the best car title loans near me? See our location to see if you are close to us.
Why do people get Title Loans?
Vehicle prices have increased dramatically over the past 30 years and continue to. Second only to a home, a vehicle is the largest purchase most people will make. As a result, some car owners have a significant amount of equity in their vehicle, and a title toan is a way to quickly and easily access that equity.
A title loan is a short term loan using your vehicle as collateral. The lender holds your title and records their lien on it, similar to when you purchase a vehicle and finance it. In Virginia, a title loan is a fixed interest monthly term loan with a re-payment period of 4 - 12 months. In that way it is very similar to a car loan; except the interest rate is generally higher (much higher depending on the lender). In Virginia the loan will have fixed monthly payments of both principal and interest; so each month the loan balance is reduced. If you make a payment larger than your scheduled monthly payment, the additional is applied to the principal reducing the total interest on the loan. Other states have different rules; several have 30 day Title Loans and some have interest only payments. We are in Virginia, so if you are in another state be sure to check that states Title Loan regulations before getting a loan.
So what are some of the reasons people get title loans?
Some of our customers get a Title Loan to avoid a hard inquiry on their credit report and to avoid a loan on their credit report. We do not check customers' credit, and we do not report the transaction to any credit reporting agency. One of the biggest factors that impact a credit score is the debt ratio. Some of our customers get a car title loan with us to payoff credit card debt and increase their credit score prior to making a big purchase like a home. If this is important to you make sure to check with your lender about whether or not they report the loan to the credit bureaus.
Time is often a big factor in the decision to get a title loan. Some customers do not have time to wait for their bank or other creditor to review an application and process a loan. With a title loan, the process is usually completed in less than an hour. When you get a car title loan in Virginia, the funds are dispersed as soon as the loan is processed. With us, we provide cash or a check. For customers with an emergency this is very important. Again, if this is important to you check with your lender (most in Virginia provide funds the same day).
As stated, we do not report any transaction to the credit bureaus and we do not share or sell any personal information with any third party. Some borrowers need short term cash, have equity in their vehicle, and prefer not to be added to calling and mailing lists. We respect our customers' privacy. If this is important to you check with your lender to verify they follow the same process. I personally hate it when a company I do business with shares or sells my contact information. As soon as that happens the Junk mail from credit companies and calls from telemarketers start and never seem to stop.
Sometimes it is just plain easier and more convenient to get a title loan than to get funds through other methods. For customers that plan on paying the loan off in less than 12 months, the convenience factor is more important than the interest rate. We have made making payments easy, accepting multiple payment methods, and we offer the lowest interest rates in the area.
Why choose us for your Title Loan?
We offer the lowest interest rate car Title Loans in the area and the best customer service.
- Do you need cash now? Call us at 703-437-6200 and turn your vehicle Title into cash, quickly, and save big.
- A vehicle Title Loan is a great way to use the equity in your car or truck to get the emergency cash you need now. The process is quick and easy. Not sure what a Title Loan is? Read our blog entry titled "What is a Title Loan" and if you still have questions feel free to contact us.
- Do you want to know your interest rate and monthly payment before you visit us? Use the Title Loan Calculator to see your estimated Title Loan rate and payment. Need more detail? Visit the the Title Loan Calculator page, and see your full payment schedule.
- The lowest interest rates allow us to provide you with the cheapest title loans. This means we provide the lowest payments and the best title loans.
- Do you need a Title Loan but can't make it during our normal business hours? We offer After Hours and Sunday appointments for your convenience. Contact us and let us know you need an appointment, and we will get back to you as soon as possible. Appointments can be scheduled within 15 minutes or less in most cases.
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