No Credit CheckWe value privacy and discretion, no credit check. Additionally, we do not sell or share your information.
Fast and ConvenientGet cash for your title in 30 Minutes. We also have after hours and Sunday appointments.
No pre-set limitThe amount we lend is based on the vehicle value and ability to repay the loan.
No Hidden FeesWe are transparent and reputable. No hidden fees of any kind.
Keep Your CarOne of the biggest advantages of a title loan is you keep your car while you make your payments.
Title Loan Calculator:
Use the quick calculator below or visit the full Title Loan Calculator page.
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See Title Loan Calculator Page for more details
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Need emergency cash? 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. Quickly access the equity in your vehicle for emergencies, unplanned expense, or any other reason. Our streamlined process includes same day approval and only takes about 30 minutes. Get the cash you need quickly with no credit check.
What makes us a better title loan company?
Fast Title Lenders is 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 save our customers money, as a result their monthly payments are much lower than other lenders.
2. We keep our expenses low and 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 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 $4,000; which results in a savings of over $200 a month on a 12 month loan. That is a total savings of over $2,400 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.
More Information is Better:
Our philosophy is to provide our customers with as much information as possible before they visit us. We prefer to give our customers the answers they need to make a good decision. Our calculator produces a full payment schedule, and we have several pages with explanations about every part of the process and detailed infographics.
VA specific information:
Interest rate information:
Cost Related information:
Fast Title Lenders information:
Vehicle Value Information:
Still have a question? Feel free to contact us for more details.
Title Loan Requirements:
The requirements for getting a loan with us include:
- A lien free title - the vehicle must be fully paid for with no liens.
- A valid Drivers License - you must be at least 18 years of age.
- Proof of Insurance - full coverage insurance is required.
- Proof of Income - typically the two most recent pay statements.
Our requirements are similar to other lenders, however we do require full coverage insurance and proof of income. We do not check credit and do not report any transactions to credit bureaus. With no pre-set limit on the amount we lend, one of our specialties includes higher limit loans at lower rates for those with a significant amount of equity in their vehicle.
How do Title Loans work?
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 regular car loan; except the interest rate is generally higher (much higher depending on the lender), and the term is shorter. The loan is amortized over the term and interest accrues daily.
In Virginia, the loan will have fixed monthly payments of both principal and interest. 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. 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.
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.
Some of the main reasons for choosing a title loan include:
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. A personal loan from a bank can take time and can require a significant amount of time. 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 conveniently make your payments without having to visit us every month.