They might offer programs that can help you through a rough patch. For example, student loan payments can sometimes be reduced or temporarily postponed. If you’re tempted to get a title loan so that you can make payments on other debts, evaluate alternative approaches. Taking on debt to pay off debt can put you into a dangerous debt spiral. Cierra Murry is an expert in banking, credit cards, investing, loans, mortgages, and real estate. Justin Pritchard, CFP, is a fee-only advisor and an expert on personal finance. He covers banking, loans, investing, mortgages, and more for The Balance.

If you have an existing loan with one of our competitors, we will pay off your existing title pawn and lower your rate. We are the home of online auto title loans and etting approved is fast and easy! If you rather apply in person, just visit one of our locations during normal business hours and TITLECASHNOW.COM will get you approved fast. Typically procured by those with limited financing alternatives, car title loans are notoriously expensive. A $1,000 title loan with 25% monthly interest will cost the borrower $1,250 in 30 days, in addition to lender fees.

Fast Approval Title Loan, Same-Day Funding

Failure to repay the loan may cause the loss of the collateralized vehicle. Because of our unbeatable approval times and affordable rates, Title Loans 365 is the best auto title loan company in Nevada. Apply for a Winchester title loan online or speak with one of our representatives, and if you meet the necessary requirements, you could be approved almost immediately. Upon approval, walk out the door with cash in hand in thirty minutes or less. At American Title Loans our loan process is fast and easy, you get to keep your car, and we can loan up to $5,000. If you are looking for quick cash in West Valley, you came to the right place. This American Title Loans store is the best car title loans store that’s conveniently located in West Valley, Utah. We loan on any car and we loan up to $5,000 and you get to keep your car.

You could be paying forever from other companies when you could have the loan under us and refinance under our less costly terms. Affordable Title Loans prides itself in offering fair financial and debt management solutions. Affordable Title Loans also takes the time and to work with clients directly to find a title loan solution with a low interest rate and a fair and manageable payment plan. In fact, you could even improve your credit with a title loan from us! You can use your title loan cash to pay down a credit card with a higher interest rate, helping your score and bank account. Almost anyone can get instantly approved to receive an auto title loan, as long as the necessary requirements are met. These include being a Nevada resident at least 18 years old, owning your paid off vehicle, showing a clear title to the car, and being able to produce proof of income. If you have been making consistent payments on your auto title loan at Title Loans 365, but want even lower rates, consider discussing refinancing options with our representatives. We are committed to helping you succeed, and refinancing can provide a better way for you to finish making all the necessary payments.

Contact Your Creditors

The offers that appear in this table are from partnerships from which Investopedia receives compensation. This compensation may impact how and where listings appear. Investopedia does not include all offers available in the marketplace. Investopedia requires affordable title loans writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate.

Our goal is for you to have a loan you can actually pay off, possibly even raising your credit along the way! We aren’t like the other companies hoping you default so they can swoop in and take your car from you. Instead, we will pay off your title loan with those guys so that you can rest easy. Unlike our competition, VIP Title Loans offers installment loans with monthly payments, not one-month loans that expire every 30 days.

2Filling in the application form can take five minutes to finish. When completed, conditional approval could be given, even though review of documentation is pending. We will review your application and get back to you in a timely manner. Loan funding requires verification of application information. Visit a location to apply for a loan and to learn about all requirements and conditions. We are licensed and examined by the Texas Office of Consumer Credit Commissioner. Single-payment loans require borrowers to repay in one lump sum, usually 30 days later, and have an average APR of 300%. A prospective borrower heads to the lender with the car and its title. The lender assesses the car’s value and offers a loan based on a percentage of that amount.

With these ingredients, you’ve got the recipe for a speedy title loan that averages anywhere between $500 and $5000. The exact loan will vary depending on how much cash you need, along with other factors such as your vehicle. Alternatively, you can apply from the comfort of your home by going to our online title loans and completing the application. A representative from our customer service office will contact you, generally within an hour of receiving your application. Generally, car title lenders have fewer requirements for potential borrowers, such as not checking credit or requiring proof of income. The truth is, they gouge you with the interest rates and short terms, and you can easily get buried in debt! We offer title loan help – from buyouts to the lowest interest rates. If you need fast cash today for a life emergency, visit our Paradise location to start the quick approval process.

In return, the lender will give you a small loan that you’ll have to repay in a short amount of time — often within 30 days. To take out a title loan, you’ll give the lender the title of your car , and your vehicle will serve as collateral. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.

• Not all lenders allow cosigners on personal loans, but some do.
• By now, you already know that there are so many other options for you to get the funds you need.
• We allow you to keep your vehicle while you pay off your Paradise car title loan and provide affordable title loan repayment plans.
• At American Title Loans, we are the title loan experts and treat you well every step of the way.
• We may even be willing to waive the first 30 days of rates depending on the customer’s situation.
• We also reference original research from other reputable publishers where appropriate.