Our Title Loans are as low as 8% per month, a fraction of the competition.
No Credit Check
We Value Privacy and Discretion, we do not sell or share your information.
Fast and Convenient
Get cash in 30 Minutes, we also have after hours and Sunday Appointments.
Make your payments by Cash, Check, Debit Card, Money Order, or PayPal. We make it easy to make your payments.
No Hidden Fees
We are transparent and reputable. No hidden fees of any kind.
Keep Your Car
Keep driving your car while you make your payments.
Title Loan Calculator:
Use the quick calculator below or visit the full Title Loan Calculator page here
Enter Competitors Monthly Rate %:
Enter Loan Amount and Term in Months to approximate your Payment Schedule
Title Loan Amount: $
Title Loan Term in Months:
See Title Loan Calculator Page for more details
Fill out the Online Inquiry for more information. We will contact you shortly:
Need a title loan? We have the lowest rate title loans in Northern Virginia (VA).
Looking for a title loan but don't want to pay back more interest than what you borrowed? We can help, inquire now to find out more about our easy process. Most of our customers find us online and prefer to pay less.
What makes us different from other companies?
Fast Title Lenders is conveniently located in downtown Herndon, Virginia (VA), and it is our goal to be the best title loan company in the Northern VA area. Here is a brief summary of what makes us different:
1. Our business model is optimized to help our customers save money, as a result their monthly payments are much lower.
2. By keeping our expenses low we are able to pass that savings on to the customer; therefor ensuring we provide every customer with the cheapest title loans possible.
3. We follow all laws and regulations, and do not offer unregulated title loans. We care about our reputation. For more information about VA laws read the VA Borrowers Rights and Responsibilities pamphlet here.
4. No fees! There are no hidden fees of any kind; no loan origination fee, no lien fee.
5. The average loan we make 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 loan?
View our 5 Star Reviews and see what are customers are saying about us.
Looking for a car title loan, with the lowest payments, near you? See our location.
What are Title Loans and why do people get them?
Vehicle prices have increased dramatically over the past 30 years, and continue to each year. Second only to a home, a vehicle is the largest purchase most people will make during their lifetime. As a result, some car owners have a significant amount of equity in their vehicle. A title loan is a way to quickly and easily access that equity, while still maintaining ownership of the vehicle. As long you make your payments, you continue to own and drive your car during the term of the loan.
A car title loan is a short term loan using your vehicle as collateral. The lender holds your vehicle title, records their lien on it, and keeps it until the final payment. This is similar to when you purchase a vehicle and finance it. In Virginia, the loan is required to be a fixed interest monthly term loan with a re-payment period of 4 - 12 months. To see what the payment schedule looks like use our calculator. It is 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 principal loan balance is reduced assuming payments are made on time. If you make a payment larger than your scheduled monthly payment, the additional amount paid is applied to the principal reducing the total interest that will accrue on the loan. Other states have different rules; several have 30 day loans and some have interest only payments. We are in Virginia, so if you are in another state be sure to check your state's regulations.
Some of our customers want to avoid a hard inquiry on their credit report. We do not check our customers' credit, and we do not report the transaction to any credit reporting agency. One of the biggest factors that impacts a credit score is the debt ratio. Some of our customers get a car title loan with us in order to payoff credit card debt, which allows them to 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 to many of our customers. 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. In Virginia, the funds are dispersed as soon as the loan is processed. 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 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 accept multiple payment methods, which allows you to make your payments easier. We also offer the lowest interest rates in the area.