How Can You Get Secured Auto Title Loans?

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Is it Possible to Get Secured Auto Title Loans?

We are all aware of how crucial having a good credit score is. It impacts many aspects of your life, including your interest rates and eligibility for a loan. What happens if you have a poor credit history? Who can you turn to if you need financial help? A secured auto title loan could be one option available to you. But how can you get secured auto title loans? How do you find one? Is it the most suitable option for you? 

Max Cash® Title Loans aims to cover all of these issues in this blog article. We’ll give a general explanation of secured loans and how title loans work. If a title loan is a good fit for your financial situation, feel free to use the #1 Nationwide Title Loan Marketplace to get connected to a title loan! Max Cash Title Loans is here to help.5

What Are Secured Loans?

In a secured loan, the borrower pledges an asset (such as a car or piece of property) as collateral against the new loan, which then becomes a secured debt owed to the lender. If the borrower fails to repay the loan, the asset may be seized and sold to recoup some or all of the initial loan amount.

The lending risk for the lender is minimal regarding a  secured loan. Secured loans are typically more flexible during the initial application process.

If the borrower fails to repay the loan, the lender takes possession of the collateral.

So, What Are Secured Auto Title Loans?

Secured auto title loans are short-term loans where a borrower uses their car title as collateral for the money borrowed. For a borrower to be able to take a secured car loan, they have to own their car; that is, the automobile has to be clear of any debt.

The car is used as collateral in a secured auto title loan and only leaves the borrower’s possession if they default on the loan payment. If loan default occurs, vehicle repossession happens, and the lender can sell the car in question.

Where to Get a Secured Auto Title Loan

If you are looking for where to get a secured auto title loan, there are a few places you can go. Here are a few of the options:

  • Online Lenders

You can find title loans online through online lenders. Max Cash Title Loans can help connect you to a lender in your area, or online depending on your eligibility for a title loan.To get started, just fill out the online form on our site! We can go to our network of lenders and determine if there is a good fit for you.

  • Title Loan Lenders

You can also find title loans in person. There are some brick-and-mortar title loan lenders, but applying for a loan in person is often inconvenient! 

Regardless of your path, make sure to complete your homework before signing any loan agreements, as signing a wrong loan agreement may lead to losing your vehicle or repayment of excessive amounts. So, why do the hard work and find a lender online when Max Cash Title Loans can do the heavy lifting for you?5

What Is Required to Get a Secured Auto Title Loan?

Looking to get a secured auto title loan? You will need to provide a few documents to verify your information and vehicle.

The required documents are listed below:

  1. A Vehicle Title in Your Name
  2. Means of identification (Must Be a Valid, Government or State-Issued Photo ID)
  3. Utility Bills, Bank Statements, or Another Way to Prove Your Address
  4. A Few References
  5. Proof of Income
  6. Recent Photos of the Car

The documents mentioned should be on hand at the time of your inquiry, as failure to do this may lead to a delay in loan approval. Title loan agents can work as fast as you do!5

What are the Benefits of Getting a Secured Car Title Loan?

To qualify for a secured auto title loan, you don’t necessarily need to have solid or excellent credit.5 That’s one of the biggest benefits of a secured loan!  There are many reasons why your credit score is not up to par. Regardless of the reason, if you need financial help, then you may not qualify for a personal loan. Instead, you can potentially try applying for a title loan! 

Additionally, secured loans like car title loans can be more flexible during the approval process. The application process can be hassle-free and simple if you have a title to a qualifying car in your name and meet the initial requirements! 5

Why Get a Secured Auto Title Loan with Max Cash Title Loans?

In addition to a quick, easy, and safe application procedure, title loans with Max Cash Title Loans also have the following advantages:  

  • Competitive Rates

Max Cash Title Loans strives to only collaborate with reputable lenders to guarantee that you receive the most suitable offer.

  • Past Bankruptcy is Acceptable

You may still get approved for a car title loan even if you’ve filed for bankruptcy in the past.5

  • Get Cash Quickly

At Max Cash Title Loans, the procedure is really quick and easy. Your cash might arrive in your bank account in as little as 24 hours if you qualify.2 5

  • Bad credit is acceptable

Your credit score is considered, but it is not the focus of the approval process for a car title loan. If you have bad credit, you may still be able to get a secured auto title loan.5

  • Obtain Title Loan Education

Before establishing a loan agreement, we provide our consumers with a thorough loan education, which is essential to establishing a solid financial foundation for the consumer. 

  • Keep Using Your Automobile

You get to continue using your car while paying back your monthly installment. You get your car title back after making the final payment on your loan.

How to Start the Approval Process for a Secured Car Title Loan with Max Cash Title Loans

Getting a secured auto title loan with Max Cash Title Loan could be simple  and straightforward.5

Below are the steps to getting a secured auto title loan with  Max Cash Title Loans:

Call or Apply Online

You can either call us to give us your details or fill out a short inquiry form online.

Find Out Your Preapproval Status

After your information has been sent in and verified, we will get a response to you shortly. A title loan agent will reach out and inform you of your approval status. 

Submitting Your Documents

The next step is to submit the required documents to proceed with the loan inquiry. Some of those documents include a valid state or government-issued ID card, proof of income, proof of residence, and photos of the car, etc.

Receiving Your Cash

VOILA! You could get your cash in as little as one business day if you meet the right criteria and qualify.5 You can either receive your money by check, direct deposit, or wire transfer. 

How Do I Repay a Title Loan?

Repaying your title loan is as straightforward as it is convenient. You can often pay online, with a check, or over the phone with a card. 

If you can’t make your payments on time, you have options. 

  • Refinance

Refinancing is the process of swapping out an existing debt obligation for a new one with a new term and interest rate. The refinancing process may vary by country, state, province, or city. If you need to refinance your current title loan, make sure to communicate that with your current lender before you default! 

  • Buyout

In a loan buyout, loans granted by financial institutions are sold to a new owner, usually at a discount.

What If I Can’t Repay My Loan?

A single loan can destroy your credit if you fail to make payments on time each month. Missing a payment by 30 days allows the lender to report it to the credit bureau, and this could be the beginning of the end of your credit score, as it affects your ability to secure funding in the future. Continually missed payments mean continued reports to the credit bureau.

Additionally, with a secured loan, you could lose your vehicle if you do not make payments on time! If you are struggling financially while paying back your title loan, make sure to reach out to your lender to potentially find a solution. 

Apply for a Secured Title Loan Today

Did you know that you can see how much you can get through a secured loan without even calling anyone? Just fill out the short inquiry form with Max Cash Title Loans today. All you will need to do is enter the make, model, year, and mileage of your vehicle to get started. Then, Max Cash Title Loans will reach out to you with more information! Just give us a call at 855-561-5626 today or visit the website to learn more.