Car Title Loans
Car Title Loans are our specialty. This allows us to offer lower interest rates. Fast Title Lenders has been serving customers for years and helping them with their short term financial needs.
Over the years we have streamlined, optimized, and improved the car title loan process. This results in helping ensure we provide every customer with the right service and the best car title loans.
Sometimes, a car title loan is not the best option. To be the best solution the borrower should meet the criteria required to be considered a good candidate. Find out if you make a good title loan candidate.
If you own your vehicle and need a car title loan at a better rate then you are in the right place. This is what makes us the best place to get a car title loan.
What is a Car Title Loan?
A car title loan is a way to borrow money using the equity in your vehicle. They are short term loans that are secured by your vehicle. This means your car’s value is used to determine the loan value; not your credit score.
Car title loans are also known as title pawns, auto title loans, and pink slip loans. These other names are often used to describe the same, or very similar, loan.
The lender holds your vehicle title during the loan term while you make your payments. Once you make your final payment you get your title back. This is a quick explanation, for more information read our complete guide on how car title loans work.
Car Title Loan Experts
During the past several years we have become car title loan experts. We incorporated a number of efficiencies into the car title loan process to make it both faster and easier for our customers.
We refined the process and streamlined the easy online application. If you are shopping for a car title loan, then you have found the best place to get a title loan and one of the best title loan companies.
Easy Car Title Loans
The car title loan process is fast and easy. First, inquire online by filling out a very easy form. We suggest getting an estimate by using our car title loan calculator. This will let you decide whether or not you can afford the payment for your desired loan amount.
Your vehicle is collateral for the loan and you make monthly payments based on the loan term. The fact that your car is the collateral for the loan makes it important to be able to make your payments on time. Always make sure your car title loan is affordable.
Get a Better Car Title Loan
Making car title loans easy is another benefit of streamlining the process, lowering costs, and making payments easier.
As we incorporated these improvements the entire process became easier for the borrower. This means a better car title loan with lower payments.
Most customers need emergency cash and do not have time for an extensive drawn out process. We understand the need for same day car title loans.
Fast Car Title Loans
We specialize in Fast Title Loans. When you’re ready to move forward we will help ensure your car title loan moves quickly and get you the cash you need the same day.
Ready to apply? Simply fill out our easy Online Car Title Loan Application. There is no fee, no credit check, and it only takes a couple of minutes.
Same Day Cash
Once you apply and complete the Car Title Loan process your loan is funded quickly. In most cases it only takes about 30 minutes. This means same day title loans.
Discount Car Title Loan Specialists
Fast Title Lenders not only specializes in car title loans, but also offer a number of benefits that make considering a title loan an easier decision. This does not mean a title loan is the right choice for everyone.
If you are new to title loans and are not sure if you make a good candidate, read our complete guide to how to get a title loan to find out more.
Best Place to get a Title Loan:
Looking for the best place to get a title loan? The advantages we provide make us the easy choice for your next car title loan. Why pay more for the same loan? If you are considering a car title loan then you should understand the related costs; before signing a loan agreement.
Many title loan companies claim to be the best place to get a title loan, do your own comparison and choose the lender that makes the most sense for you. If you are not familiar with the intricacies of title loans read our detailed guide on how title loans work.
Car Title Loans the Same Day:
A lower rate results in much better deal for the borrower. When shopping for a title loan you should find out the interest rate before visiting the lender.
Keep in mind that car title loan interest rates are quoted in monthly terms instead of the more common APR. This means a 15% monthly rate loan has an APR of 180%.
Our detailed guide on title loan interest explains exactly how interest accrues and is calculated. Further, our car title loan calculator provides a title loan quote.
Car Title Loans Near Me:
Car title loans commonly accompany emergencies and urgent expenses that need to be addressed very fast. This makes finding a title loan near you, or the closest title loan place, your first instinct.
Often, car title loan customers simply search for “car title loans near me” and visit the closest lender without doing any research. The assumption is that all title lenders are the same. This couldn’t be further from the truth.
Car title loan interest rates can and do vary widely from lender to lender. This makes shopping for a title loan worth it. It also means simply going to the closest title loan place can result in a loan that may not have favorable terms. In these cases, if you have already completed a title loan with high rates, you may want to consider refinancing the loan with a lender with lower interest rates.
Why to Avoid “Car Title Loans Near Me”:
The key reason to avoid a search for “car title loans near me” is the cost of a title loan. Shopping for a car title loan can be an intimidating process, but it is necessary if you want to find the best deal.
This means avoiding a simple search for “car title loans near me” and taking some time the find the best title loans.
Finding the best place to get a title loan will save you a significant amount of money in saved interest. It is also critical to avoiding the negative experiences that title loans are known for.
Best Place for Car Title Loans:
Finding the right lender with the right solution for you can make a huge difference. This can mean the difference between having a good experience that solves your short term financial difficulties and having a bad experience that only compounds your short term problems into a long term issue.
Please take the time to make sure you end up with a solution and not a bigger problem. Read the information on our site and others, use our title loan calculator, and get several quotes from several lenders. Finding the best place for your car title loan is critical to ensuring your title loan is affordable.
Title loan terms and interest rates can vary significantly from lender to lender making it essential to do your research before signing a loan agreement. Accurate information relating to car title loans, how they work, risks and benefits, and costs is key to being able to determine whether or not a car title loan can be a solution to your short term financial needs.
Some car title loans cannot be refinanced, so getting the best title loan the first time is critical to ensuring your payments are affordable over the loan term.
How much can I borrow, versus How much will this cost?
Most lenders try to keep you focused on the first question when looking for a car title loan, which is usually “how much can I borrow with a title loan?” While this is important when you have an emergency expense to cover, it is definitely not the only question you need to ask.
Some lenders will keep your attention focused on getting the “maximum” for your car regardless of the cost. Visit title lenders’ sites and you will find plenty “How much Cash can I get” forms promising to get you the most cash for your car.
The problem with this is most of the time they don’t spend any time on a much more important question, “how much will this cost me?” When you visit lenders’ sites you won’t find “Here are our costs”, this information can be difficult to decipher.
Use our car title loan calculator to help you find out what a car title loan costs. We provide a real-time estimate of your monthly payment and the full real time repayment schedule with our car title loan calculator.
As a general rule, if the loan costs you more than double what you borrowed over a 12 month term, you are probably paying too much with a lender charging very high rates.
Costs make us the best place to get a title loan:
Many of our competitors, and many title lenders in general, charge the maximum allowable rate. This varies depending on the state, but is still very high in most states. Lower rates result in three very important benefits:
- The same loan amount with a lower payment.
- A larger loan amount with the same payment.
- You can pay off your loan much faster.
Additionally, by specializing in car title loans with no pre set year restriction; this means the focus is on the value of the car and not the year. One of our specialties is classic car title loans.
Discount Car Title Loans:
We offer discount car title loans with lower payments. For the loan to be affordable, it needs to have payments that you can afford each month without question. Missing a car title loan payment can result in a default and losing your vehicle.
Additionally, before moving forward with a car title loan, it is important to understand how interest works. We hear too often from customers that they signed a contract but did not understand how interest was charged.
Most people do not understand how interest accrues daily, which can lead to not understanding how your day to day balance is calculated. Understanding this helps ensure there are no surprises. It also helps with understanding how any loan works. Amortization is not complicated, but does require learning some basic concepts.
Car title loan interest is calculated the same way other simple interest loans are calculated. Interest usually begins accruing the day the loan is initiated, and, like other loans, the longer you keep the loan the more interest you will pay.
To help save on your loan there are a few things you can do. First, pay more than the minimum monthly payment whenever possible. Every dollar over the minimum you pay will reduce the outstanding principle balance. This, in turn, reduces the amount of interest that accrues.
Second, make early payments whenever you can. By paying early, you are lowering your outstanding balance early. This also reduces the amount of interest you are charged.
Finally, make extra payments. Each extra payment reduces the principle which has the same effect in lowering interest charges. All of this adds up and can make a bug difference in the total car title loan cost.
Ready to move forward? Fill out the quick and easy online application.
Still need more information? Keep reading…we try to answer all questions about how car title loans work and provide you with the information you need to decide if one is right for you.
What do I need to get a discount Car Title Loan?
Getting a discount car title loan usually is quick and easy. Just make sure you have a vehicle, a lien free title, a valid drivers license, proof of if insurance, and proof of income.
Proof of income helps to ensure customers can afford their monthly payments. Once you meet the car title loan requirements you are ready to apply online.
Features of finding the Best Car Title Loan Place:
There are several benefits of getting a car title loan versus other types of loans. As the best car title loan place a few include:
1. Speed – Car title loans are one of the fastest ways to borrow money using your vehicle.
2. Privacy – Assuming you choose a decent lender, they will respect your privacy. Make sure to let the lender know privacy is important to you.
3. Credit – Your car is your credit with a car title loan.
4. Easy – The paperwork and related requirements are fairly easy when compared to other loans.
5. Keep your Car – Unlike pawning your car, with a car title loan you keep and continue to drive your car.
Fast Car Title Loans
Many car title loans are used for emergency or urgent funding needs when other options are not available. This means a fast car title loan is important. Fast Title Lenders understands that waiting for a loan to fund is usually not an option.
While many companies advertise instant online title loans, we let our customers know car title loans are not instant, but are usually fast. In most cases online title loans fund the same or next day depending on the time
How do I get a Fast Car Title Loan?
Car title loans are fast compared to most other loans. To help ensure your loan is funded as fast as possible have all of your information ready prior to applying. This will cut down on any possible delays and help to get a title loan in the shortest amount of time.
This includes making sure you have your lien free title, drivers license, proof of insurance, and proof of income ready. For online title loans with instant approval make sure you have vehicle pictures or the ability to quickly take them.
If you have these items in multiple locations, find them and consolidate them into a single file. Have them ready when you apply to get your loan funded as fast as possible.
Online Car Title Loan Options
Car title loans online are now available in many states. There are different types, including instant online title loans, and completely online title loans. These do not require any visit to a brick and mortar lender. The entire process, from application to funding, is completed online.
How to get a Car Title Loan Online
Getting a car title loan online is easy. There are a few additional requirements, such as vehicle pictures, and a slight change in the title loan process. Typically, a car title loan online can be completed within 24 – 48 hours.
A car title loan is designed to be a short term financial solution. Fast Title Lenders has made it a priority to inform customers about car title loans by providing up to date, accurate information.
There are too many inaccurate and/or out of date information sources on the internet. Some are designed to confuse search engines and simply make no sense to potential customers searching for accurate information.
We do our best to provide articles and pages that inform customers about car title loans; both the good and the bad.
Too often lenders take advantage of those with no other option and they end up trapped in a long term financial problem instead of solution. This usually happens when the borrower does not understand the loan terms and how car title loans actually work.
Recent Car Title Loan Articles
We try to provide the information needed to make sure a car title loan is the right choice for your specific situation. If you are considering a car title loan, please be sure to read the following additional information before making a decision:
How to get a Title Loan – Complete guide with everything you need to know about how to get a car title loan. This includes the process, finding a lender, getting the best deal, and how to save on your next title loan.
How do Car Title Loans Work? – A detailed explanation of how car title loans work. This includes how interest is charged on both single payment loans and monthly term loans.
Title Loan Alternatives – most articles about car title loan alternatives didn’t contain any actual alternatives that a car title loan customer could actually use, so we compiled a list of real alternatives that may work for you. We hope you find an alternative that works for you.
How Title Loan Interest Works – Interest for any loan tends to be over complicated by lenders. This page defines how car title loan interest is calculated and provides an example loan with amortization.
Title Loan Calculator – The name says it all. We built a car title loan calculator that allows you to enter a loan amount and repayment term in months and calculate the monthly payment, interest, and full payment schedule.
Car Title Loan Costs – This post details the costs associated with car title loans, compares several different APRs, and shows what happens when you sign a loan agreement with unfavorable terms (it costs a lot of money).