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Many lenders purport themselves to be an advocate for those experiencing hardship. Yet, it is these same title loan lenders who have a penchant for locking people into car title loans they cannot afford.
The effects of defaulting or going upside down on auto title loans can devastate one’s finances. Ultimately, what was supposed to be a solution for a financial emergency, can ruin credit scores and become a burden.
Since 1994, TFC Title Loans has been offering loans online to anyone who owns a vehicle with substantial equity value. It is the knowledge and compassion of our dedicated title loan officers that sets us apart from other title loan lenders.
We do not consider our job well done until we have custom-tailored an auto title loan suited to your precise needs. It is this ceaseless dedication to excellence that has brought many looking for car title loans to our offices.
We are deeply committed to your financial success. From the fact that we welcome all credit scores, to our fast-as-lightning title loan approval process, to our ever-ready loan officers, we encompass everything you would want in a car title loan agency.
We treat our customers like family, that’s why we spend all the time and attention needed to make sure you are 100% satisfied with your auto title loan. No matter if you apply for a car title online or give us a call, our auto title loan representatives have the skills and the know-how necessary to help you make your best financial decision. With our friendly support and streamlined online title loan application, we make the process of securing a loan easy!
Simply put, a car title loan is an arrangement in which an owner of a car offers up their vehicle title as collateral in exchange for a sum of money. Other terms you might hear are title pawns, equity loans, and pink slip loans.
The amount of money awarded for a car title loan is based on the equity value of the vehicle, meaning, the more the worth of the vehicle, the larger the amount of money that can be borrowed.
Car title loans online are traditionally short-term. This benefits both the borrower and the title loan lender, as fees are kept to a minimum and auto equity loan amounts do not exceed what can reasonably be paid back.
For this reason, neither party has to worry about loan default and possible repossession. We are in the business of helping our customers, not troubling them further. Likewise, we make paying off your car title loan easy by offering a variety of payment options including but not limited to:
These car equity loans appeal to those with less than perfect credit as vehicle equity circumvents the need for a strong credit score. Most people are unfamiliar with the process of how title loans work, but we make it easy to understand.
The majority of car title loan lenders operate out of brick-and-mortar locations and online. Regardless of whether you apply for a title loan online or over the phone, it will seem like you are at a title loan lender near you. Once you have been qualified for an auto title loan you will need:
Be sure to review the car title loan terms and conditions before you sign anything – lenders are required to disclose the cost of the auto equity loan and the APR.
APR is calculated by factoring in the amount you borrow, the interest rate and credit costs you are being charged, and the length of the car title loan. Additionally, your car title loan may include charges for processing fees, late fees, loan origination fees, title charges, and lien fees. Nevertheless, do not worry as TFC Title Loans is here to help you.
When you borrow from us, you can rest assured you will be getting the largest possible title loan amount against the equity of your vehicle. We make sure you understand every step of the process and are satisfied with the terms and conditions of the equity loan.
The last thing we want to do is offer you auto title loans that you are uncomfortable with.
So, whether you are looking for a short-term or long-term title loan, a single-payment or installment loan, we do everything we can to underwrite the title loan that is right for you! Throughout the entire title loan process, you are in charge!
You will find our car title loan representatives to be friendly and compassionate as they walk you through every step of the auto equity loan. From clear explanations to options for pre-approval, personalized payment plans, and loan reminders, we equip you with everything you need to alleviate your financial strain.
Those who have tried to borrow money from traditional lenders, i.e., a bank, credit union, payday lenders, or cash advance stores, know how difficult and dangerous it can be. Whether it’s stacks of paperwork from the bank or suspicious interest-rates on very small loan amounts offered by cash advance stores, traditional loans prove to be more trouble than they are worth. For this reason, borrowing from TFC will feel like a cool breeze on a hot day. The simplicity of our title loan system and the leniency of our approval requirements make the competition pale in comparison. Why do things the hard way when we are here waiting to assist you?
In full disclosure, if a borrower cannot pay back the loan or is late with his or her payments, title loan lenders may seek to repossess the car and auction it off to recover their money. Fortunately, this is usually a last resort as it may take months to recover the vehicle, repo it, and auction it off, all the while the vehicle equity value depreciates. During this time, car title loan lenders are not collecting payments. To reiterate the point, vehicle repossession is rare and it is in no one’s best interest.
With basic information about you and your car, we can have you qualified, approved, and funded within 24 hours. There is no need for a store visit! With our online car title loan process, it will be as easy as 1, 2, 3!
The entire auto equity loan process can be completed electronically so you do not have to take time from your already busy schedule. At TFC, we work for you and not the other way around. We want to see you financially secure and at ease.
Your need for money is your own business. We never question your reasons for taking out a loan and we use the utmost discretion every step of the way. Small-dollar-credit (SDC) loans are here for those who are unbanked or underbanked. Every person has a right to financial recourse, and we want to champion you! So whatever your reasons are for taking out a car title loan, do not hesitate to reach out to us today. Our operators are standing by to answer any questions you may have regarding taking out an auto title loan. Learn more at https://en.wikipedia.org/wiki/Title_loan