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Title Loan Benefits

When an individual applies for an auto title loan, they can utilize the value of their car as collateral to secure a short-term loan. After receiving the loan in cash, the individual then pays back the loan with interest over a period. At Credex, our clients can choose to repay their loans over the course of 6 to 24 months. If you are new to auto title loans, read on to find out more about the benefits they can offer:

You Can Keep Driving the Car

As lenders typically place the lien on the car’s title and do not possess the vehicles themselves, car owners can continue using their vehicles while making payments on the loan. Individuals must adhere to scheduled payments as lenders hold the rights to repossess their cars.

You Can Get Cash for Emergency Situations

An auto equity loan is an excellent option for borrowers who need money immediately. Individuals can receive cash as soon as the lender agrees to the loan amount and terms. In most cases, borrowers may walk out of the lender's office with money in hand on the same day they apply for the loan.

Fast, Easy, and Hassle-Free Application Process

Unlike other types of financing, auto equity loans do not entail a length and complicated approval process. Auto title loans are typically processed within a day or two; borrowers can get the money they need extremely quickly. This is possible because it is a simple process. Lenders just need to know that your car is worth at least the amount you need to borrow.

Since you are offering some form of collateral, auto title loans are relatively easy to qualify for regardless of your credit score. Credex does not conduct credit checks or look at your past reports. If potential borrowers can prove that they have a reliable source of income and their cars are worth more than the requested loan, we will approve the loan application. At Credex, we have an approval rate of more than 98%!

Flexible Criteria to Secure Auto Title Loan

If you need to meet the following criteria, it is easy to get your auto equity loan approved:

  • Must be at least 18 years old.
  • Have a valid Florida driver license.
  • Own a car in good condition.
  • Have the title of the car with n liens against it.
  • Be able to pay the loan back.

Why Should You Work with Credex for Auto Title Loans?

Credex can provide auto title loans from $1,000 to $5,000. In addition, they feature low APRs that range from 18% to 30%. Potential borrowers can get the money they need via three simple steps:

1
Step one apply for car title loan

Provide valid documents

Simply provide Credex with your proof of residence, government-issued ID, title of your car, and proof of income. Remember to bring your vehicle as well!

2
Step two be approved for a title loan

Wait for approval

Our team works quickly to approve your loan based on the appraisal value of your car.

3
Step three get cash for your car title

Walk away with cash

You get the cash without any tedious paperwork!

We will assure you that you will receive a peace of mind knowing that Credex has been in business for over 12 years. Our friendly auto title loan specialists have served many residents throughout Miami-Dade, Broward, and West Palm Beach.

Want to know more about Credex's auto title loans and their benefits? Feel free to contact us today. Alternatively, you may also browse through our Frequently Asked Questions or fill out our FREE Quotation Form.

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Frequently Asked Questions

These loans are based on the value of your vehicle. The Loan works by the lender holding on to the car tittle in exchange to giving the borrower cash. You can keep driving your car, and will receive the tittle back when you complete the payment of the Loan.
The title of the car has to be in your name and with no Liens against it. A current ID such as a Driver’s License from the State. The car, for a mechanical inspection but then you keep driving it. A proof of Address such as a bill with your name and address. a proof of income, like a current pay stub or a copy from your bank statement with periodic deposits that will show that you are going to be able to pay the Loan back. If you have any questions please contact us at 1855-55CREDEX OR 1855-552-7333.
The amount of money we can borrow is based on the value of your car, the minimum we can give is $1000, from there we can go up.
Yes, you will keep the car the entire time. When you finish making your payments, you will receive your title back.
At CREDEX we do not run a credit check for you to qualify for a title loan, rather the loan is based on the value of your car. But we do report to the credit bureaus, and this will highly improve your credit.
No, we will not charge any fees to see if you qualify for a title loan.
The process takes 20 minutes. Depending on the amount of people waiting at the office; but as soon as you start the process, you will have access to your money in 20 minutes.
Your first payment will be due 30 days after you get your loan.
We provide our customers to choose from various repayment Monthly options. The average term of our loans is 12 months.
You can choose to pay at any of our different locations in South Florida, there you can pay with Cash, Money Orders, Personal Checks, Credit and Debit cards. You can also pay on the phone with a Debit or Credit card, or you can send your payments in the mail.
Our loans are asset backed loans, based on the value of your vehicle. We do not check your credit and if you have filed for bankruptcy before we need your bankruptcy discharge forms.
Yes the vehicle needs to have a Florida title. Converting an out of State title to Florida Title is an easy process.
No, there are no prepayment penalties. At any time you can pay your loan off, we will release your title back to you, and you will save the interest for the months you don’t use the loan.
We give you a check from a local bank. You will be able to cash your check right away and have access to your money.
We have multiple locations through South Florida. We are open Monday through Friday, from 9 am to 5 pm. Visit contact page for more information.

Don’t Take Our Word For It.

Read What Our Customers Say.

“I would recommend to anyone looking for loans. I was in financial troubles and this credit company managed to help me in the most beneficial way for me possible. Very fast loans and friendly staff.”

Dennis Natale

“I really enjoyed making business with Credex. Very humble and honest guys. Did not try to rip me off. Excellent loan agency!”

Richard Villalba

“Don’t even hesitate to use this company. This is the best loan agency I’ve ever encountered so far. I am writing this review because they really left a good impression on me. Good guys to do business with. Probably the best local loan agency in Hialeah!”

Alejandro Hernandez

“Credex is a great company to get an auto title loan. Working with them was easy and hassle free. I’ve had some very bad experiences with other companies that offer loans but I’m so glad that this one is not like them!”

Melinda Adler

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.
Approval is primarily based on the customer ability to repay the loan and the vehicle condition.
Fees: $79.75 Lien Fee, $25.00 Application Fee, Document Stamp Tax (It varies depending on loan amount). All fees are rolled into the life of the loan. APR: Our annual interest rate ranges from 18% to 30%.
Repayment: We offer easy payment options to suit your ability to repay the loan, currently ranging from 6 Months to 24 Months.
The table below represents illustrative examples of the cost of a loan. If you have any questions, or would like more information, please feel free to ask. Make sure you understand the terms and costs of your loan.

Check Amount Interest Rate(APR) Lien Holder – One time Fee Application – One time fee Doc Stamps – One time fee Term Monthly Payment Total of Payments
$1,000.00 30% – $188.30 $79.75 $25.00 $3.88 12 Months $108.08 $1,296.93
$7,000.00 23.89% – $1,427.60 $79.75 $25.00 $24.95 18 Months $475.41 $8,557.30

* Other insurance coverages may be required to be approved. Please call us for further details.

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