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What You Need To Know About Car Title Loans

What You Need To Know About Car Title Loans

JUNE 3RD, 2020

If you were planning to get a cash loan in a hurry, it might be a difficult task if you have a bad credit history. Therefore, many car owners choose to apply for car title loans instead. This is suitable for those who need cash urgently and is widely used by more than 2 million Americans every year. However, car title loans may not be suitable for everyone. Below are some things that you should know if you want to obtain a car title loan in Florida.

What is a Car Title Loan?

It is essentially a short-term loan which dictates that your car is the collateral. Car title loans are easy to obtain because they do not require a bank account to process. In order to qualify for this type of loan, you need the title of the car and cannot loan the car to others for a certain period of time. Car title loans, however, can be expensive if you do not pay in installments. Typical single-payment car title loans require borrowers to make payment within 30 days. When you choose to pay using installments, you can spread the payments out over 24 months - which makes the loan cheaper to procure.

How Does It Work?

First, you need to apply for the car title loan online or at the lender's physical location. Your lender will then conduct an appraisal of the FMV (fair market value) of the car that you own, and give you a loan at typically half the value of the vehicle. Once your loan has been approved, you will receive cash and need to adhere to the loan repayment plan. The important thing to note is that if you are unable to repay the loan on time, the lender can choose to repossess the car.

Are Car Title Loans Safe?

Yes, car title loans are safe and allowed in approximately 27 states, including Wisconsin, Virginia, Utah, Texas, Tennessee, South Dakota, South Carolina, Rhode Island, New Mexico, New Hampshire, Montana, Nevada, Minnesota, Missouri, Louisiana, Kentucky, Idaho, Illinois, Florida, Georgia, Alabama, California, Delaware, and Arizona.

Auto title loans are different from traditional loans because there are no credit checks, no bank statement checks. Although this option presents slightly more risks, it is a good way to acquire fast cash. Don't worry; lenders can offer long-term repayment plans that last up to 24 months. In addition, borrowers can enjoy affordable monthly payment rates. If you have heard of lenders repossessing vehicles, it happened because they have run out of options to collect payments from the car title owner.

At Credex, we work closely with our clients to ensure that they have no issues with repaying. If customers have not fulfilled overdue payments, we will not repossess their cars immediately. Our loan experts will notify them and even adjust the auto title loan payment plan to make things easier for them.

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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