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What To Do After Getting A Car Title Loan?

What To Do After Getting A Car Title Loan?

JULY 13, 2020

There are several steps which you need to take after obtaining a  car title loan in order to remain in the good books of your lender. These next phases are pretty simple but will help you greatly in fairing through the loan term without any pressure if successfully accomplished.

Having Insurance Coverage

An auto insurance is necessary to cover the new car in a way that coincides with the requirements set by your lender. The auto insurance needs to meet the established limits which can cover any expenses incurred in cases of an incident that happens to the car.

If there is no proof of sufficient auto insurance coverage, a separate collateral insurance that covers your car may need to be purchased from your lender directly. There will be additional charges for this policy, and it is usually much higher than an auto insurance. This form of insurance will also usually exceed the state law limits as opposed to an auto insurance that only insures people or property that you may injure or damage.

Setting up Automatic Payments

You can create a loan repayment plan with your bank where the monthly loan instalment is debited from. This makes it easier for you to ensure that you do not miss a single instalment payment to be rewarded with positive marks inside your credit report. This financial situation may also grant you higher credit ratings which will make future loan applications easier.

Refinancing Auto Loan

An auto loan can also be refinanced similar to a mortgage loan. Borrowers often perform this action due to various reasons which mostly boil down to financial commitments. One of the common reasons is because of better rates offered by other financial institutions. Borrowers may decide to refinance if they feel they are getting a better deal elsewhere. The long-term savings will help them cut down on their instalment which accumulates to a hefty sum at the end of the loan term.

Another reason to refinance includes improving the borrower's credit scores. After roughly a year or two of making consistent monthly payments, the borrower can proceed to another lender with the years' worth of credit score proof.

Instances of Non-Payment

Life events are inevitable and for some borrowers, several unexpected occurrences may cause them to miss instalment payments. Do not fret as there are indeed some ways which can be avoided to prevent the repossession of your car and getting your credit scores taking a tough hit.

If your car has a value that is more than the balance of the loan amount, consider selling the car to pay off the balance loan amount before missing on any instalments. After that, you can simply lease a separate car if you still require to use one.

You may also check with your lender for any alternatives to prevent your financial situation from worsening. If you have been making consistent payments so far, the lender may assist you in a refinancing option that offers a much lower interest rate.

Credex Title Loan Benefits

  • No Credit Check
  • Loans From $1,000 to $5,000
  • Over 98% of the applications get Approved.
  • Low APRs ranging from 18-30%
  • Repayment Options from 6-24 Months
  • You Keep the Cash and your Car

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Consent Notice for Telephone and Electronic Communications: By providing your phone number and other contact details on this website or by calling CREDEX at 855-527-3339, you acknowledge and agree to the following: Consent for Calls and Messages: CREDEX may contact you via phone calls, including automated calls, text messages, or emails in response to your request for information about our services. Consent Process When Calling: If you contact us at 855-527-3339, you will be asked to confirm your consent through an interactive menu. By pressing 1, you authorize CREDEX to call you back if you are unable to speak with a representative at the time of your call. CREDEX may contact you using the same number or any alternative contact method you provided. If you do not wish to receive a callback, you may press 2 to decline consent. If the caller does not select an option, CREDEX will make up to two additional attempts to contact them to confirm their request. If there is no response after these attempts, no further contact will be made. Privacy and Data Protection: CREDEX respects your privacy and complies with all applicable regulations to protect your personal information. Your consent to receive communications does not imply an obligation to purchase, and you may revoke your consent at any time by following the opt-out process outlined above. This website is exclusively intended for the promotion of Auto Title Loans. CREDEX does not give applicants unqualified access to credit. Your access to credit may be limited based on the value of your vehicle and your credit history. Credit verification is optional when becoming a CREDEX customer. However, we also offer limited loans for financed vehicles, which require mandatory credit verification. Regardless of credit verification, CREDEX reserves the right to approve or deny any loan application for any legal reason. Submitting an application does not guarantee loan approval.

Credex Loan Solutions uses “Auto Title Loans” for advertisement purposes only and provides auto equity loans. The lenders are licensed under the “Florida Consumer Finance Act” under Florida Statute 516 and as such lenders loans is exempt from any licensing requirements under the “Florida Title Loan Act” to the extent that any of lenders activities involve the making of a loan of money to a consumer secured by bailment of a certificate of title to a motor vehicle.

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