When you are faced with unexpected expenses or emergencies, you might be trying to find a way to come up with the money you need really quickly. Most traditional loans that you can apply for from banks and credit unions can take a really long time to get. Additionally, most payday loans and cash advances have outrageous interest fees and should be avoided if possible. One of the best benefits of title loans Greenville here at Cloutier Title Cash is that you can get the quick cash you need without having to have perfect credit.

Application Process

Applying for a title loan is simple and fast. When you use our site to apply, you will only have to supply some basic information about the car you will be using as collateral and some information about yourself. When you apply for a title loan, you will be letting the lender put a lien against the title of your vehicle. This is for collateral on the loan and lets the lender have a financial cushion in the event you are not able to repay the loan. If you do repay the loan in full, the lender will remove the lien and your title will be free and clear. If you fail to pay back the loan, the lender can use the title to repossess the vehicle and sell it at auction to recoup the cost of the loan.

The information that is needed in the application for the vehicle is the year, make and model of the car. Also, you will need to submit the current mileage of the vehicle as well when applying. For the borrower, the information that is needed includes your full name, address, zip code and your contact information. Once you fill out the full application, you will receive your free title loan quote and a friendly representative will contact you at your earliest convenience in order to discuss your loan terms and set up a payment plan.

How Title Loans Work

Title loans are short-term, secured loans that are secured using your vehicle's title as collateral. They are most popular for borrowers with less-than-perfect credit who need to come into some money quickly for emergency situations. Your credit doesn't matter because most title loan lenders will not require a credit check from you in order to get approval. If you have a steady income and a vehicle with value, you can get a title loan very easily. Title loans Greenville are also great because while you are working on repaying the loan you will still be able to use your vehicle as you normally do. Once the loan is paid off, the title is returned to you lien-free.

Many types of vehicles can qualify for title loans. Car, trucks, motorcycles and RVs also can be used to apply for the loan as long as they have enough value or worth to cover the loan as collateral. These loans are cheaper than payday loans and cash advances because they don't have the same outrageous interest rates. In Texas, there is no max on the amount you can get with a title loan. However, the amount you are able to apply for will be based on the value of the vehicle you are putting up as collateral.

Title loan lenders in every state must follow certain rules and regulations regarding their lending practices. In Texas, there are additional laws that must be adhered to. The amount of interest on a title loan in Texas caps out at ten percent. However, there is no limit on fees and the loan must not exceed 180 days. All of these rules and laws were set in place to help protect borrowers from title loan lenders who try to take advantage of people who are having financial difficulties.

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