March 30, 2017

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Title Loan on a 2011 Nissan Sentra with TFC Title Loans

Are you in need of funding but don’t have the time to fill out the arduous applications or wait long stretches of time for approval that may never come which are associated with traditional bank loans? We understand your frustration. Which is why, here at TFC Title Loans, we provide a far simpler process to get you the money you need in the time span you need it in. Our online application is incredibly easy and only takes about five minutes to complete. In the event that you qualify, you could receive your loan as fast as the very next business days after approval. You don’t have to take only our word for it, as one of our recent customers at TFC Title Loan’s Orange office in California, Carolina N., told us all about her experience getting her very first title loan on a 2011 Nissan Sentra this March.

 

Carolina N’s Story

Carolina N. was dealing with some financial road blocks in relation to personal issues. And we can all relate to time like that. No matter what might be going on, money is usually an aspect of the problem. In these moments, just a few thousand dollars can make the world of difference in any difficult personal situation. Carolina knew she could get things in order if she could borrow a few thousand dollars quickly through a title loan. That’s when a good friend of hers referred her to TFC Title Loans because they had had such a good experience with us in the past. She took the plunge and decided to use her shiny 2011 Nissan Sentra to get that extra money she needed to cope with her current season of life. She was able to receive over $2,500 at 7.75% interest in just a few days’ time. In her application, she provided all the necessary information including her title, her government-issued identification, and proof of income. She is a cook in Downey, California and self-employed which showed sufficient income to acquire the loan and prove that she has the income to pay it back.

 

Once we approved her loan, she came in to pick up her money at the Orange office and had an incredible customer service experience. She gave us a five-star rating for both our process’ simplicity and our excellent customer support. When asked in a survey how she planned to budget her title loan repayment, she answered that she plans to work a bit extra to pay it off on time. She sounds like an incredibly hard worker. Her loan is scheduled to be paid off by 2019, leaving her two years to pay it down completely. However, if she wishes to pay it back early she can do so whenever she pleases as TFC Title Loans never charges any prepayment penalties towards their customers.

 

You Can Count on TFC

If you would like to take advantage of the benefits of title loans like Carolina, then you should look into working with TFC Title Loans. You don’t need to have a perfect credit score to get a loan from us since we mainly base your loan on the current street value of your car and your ability to repay the loan in monthly installments. We only check your credit report to make sure that you aren’t in an active bankruptcy or currently undergoing credit counseling. If you have any questions that you need answered before deciding whether or not to apply for your own title loan, then give us a call straight away. We’d be happy to talk you through the entire lending process.

 

Being the oldest title loan lender in California has given us nearly 25 years of experience in the alternative lending industry. We put this knowledge to use every day to provide you with the most efficient and friendly service around. If you are interested in getting a title loan through TFC for as little as $1,500 and as much as $50,000, then fill out our incredibly quick and easy online application today. It will only take you a few minutes to complete and you could have your money in just a few business days.

March 29, 2017

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Title Loan on a 2007 Chevy Tahoe with TFC Title Loans

If you are in need of fast funding, TFC Title Loans can lend you a substantial amount of money based on the equity that is already in your vehicle. This kind of secured loan is called a title loan and we, here at TFC, can provide you with competitive interest rates and top-notch customer service on all your title loan needs whether you are a seasoned borrower, in need of refinancing, or a first-time title loan customer! If you don’t believe us, you don’t have to take our word for it. This is the experience of one of our customers, who had never applied for a title loan before, at our Hayward office: Francisco B., who took out a title loan on a 2007 Chevy Tahoe in March of this year.

 

Francisco B’s Stofdkuhjkfgry

Francisco B. recently found himself in the both very emotionally trying and financially difficult situation of divorce. Divorce is an extremely emotionally draining process and if that were the only aspect of it, that would be enough for anyone to deal with at one time. However, the financial aspect can be brutal when you don’t have a substantial savings to make up for all the drastic changes occurring in your life. These major financial changes, disputes, or lawyer fees can make the emotions exceedingly more difficult to handle than they might have been otherwise. Francisco decided that a title loan would be the best way to lessen the financial burden during this hard time. Francisco has been a foreman in Berkeley for twelve years but he decided to use his 2007 Chevy Tahoe (pictured above) to get a little extra money to cover his expenses. He was approved for a loan of $3,341. This LT Sport Utility 4D have a mileage over 200k but it is in incredibly good condition. In his application, he provided proof of income, four personal references, and proof of insurance so we could ensure he had the ability to repay the loan without too much trouble.

 

Francisco said that he didn’t know what he would have done if he didn’t get a title loan through TFC Title Loans when he did. He said the application process was incredibly simple and all he needed to do was spend a little of his spare time getting us his documentation. He spoke very highly of the staff at the TFC Hayward office and gave his customer service experience a five-star rating. In the beginning of March, he picked up his $3,341. He also told us, when we asked in a survey how he was planning to strategize paying off his loan, that he plans to pay it off as quickly as he can which is a great way to play repayment. We were able to customize loan terms for his title loan to fit his particular financial circumstances but he is allowed to pay it off as early as he wants to since TFC Title Loans charges absolutely no prepayment penalties.

 

You Can Depend on TFC

If you are interested in getting a title loan for fast funding like Francisco, then you ought to consider turning to TFC Title Loans. Since title loans are secured, you don’t need to have a perfect credit score or credit history report to qualify like you do with more traditional bank loans. We have always been dedicated to coming alongside those individuals who are in need of a loan and need it quickly, regardless of your past credit endeavors. We only ever check your credit score to ensure that you are not currently undergoing credit counseling or in the middle of active bankruptcy. If you have any remaining questions before deciding to apply for a title loan with TFC, you should give us a call right away. We have knowledgeable and friendly title loan agents standing by the phones right now who are eager to answer any and all questions you might have regarding the lending process.

 

For nearly 25 years, we have been consistently known in the lending industry for our competitive rates and helpful customer service. This has allowed us to become the oldest title loan lender in California. All the way from the top, at our headquarter office, down to our local offices, we have an amazing staff like Javier in the Hayward office who’s amazing service caused Francisco to respond to the survey in all caps “Javier is great!!” We work hard day in and day out to provide you with the most efficient and kindest service around. We are passionate about seeing our customers succeed, not only in the repayment of their loan, but also in their other life goals. So, if you are interested in obtaining a title loan between $1,500 and $50,000 based on the value of your car and your ability to repay the loan, then fill out our quick and easy online application today. It will only take two minutes out of your day and, before you know it, your life stresses can become far less burdensome.

 

March 29, 2017

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Como Pagar un Préstamo por el Título de un Vehículo

TFC Title Loans siempre está al lado de sus clientes y por eso se pone a su disposición para que pueda pagar un préstamo por el título de un vehículo sea tan sencillo como sea posible. Quizás ha encontrado esta página porque está pensando en pedir un préstamo por el título de su vehículo pero no sabe muy bien cómo lo va a pagar; o tal vez usted se encuentra en una situación difícil porque está pagando un préstamo por el título de un vehículo pero se le está complicando. En cualquier caso, creemos que la responsabilidad de TFC Title Loans es ayudarle con todo el proceso ofreciéndole estrategias y herramientas útiles además de otras opciones alternativas.

 

TFC Title Loans lleva ayudando a sus clientes de California, Arizona y Nueva México desde 1994 con sus préstamos por el título de sus vehículos. Somos los prestamistas más veteranos de California y gracias a nuestra experiencia en el área de los préstamos por los títulos de vehículos, tenemos un gran conocimiento sobre este tema que nos ha ayudado a perfeccionar nuestro proceso de préstamos y liquidaciones de deudas. Nuestra garantía es la satisfacción de nuestros clientes y después de casi 25 años y cientos de clientes, podemos ofrecerle todo lo que necesita si usted se encuentra en dificultades para hacer frente al pago de su préstamo.

 

La prioridad de TFC Title Loans es ser transparentes con nuestros clientes para que conozcan cuál es el proceso de un préstamo por el título de un vehículo y por eso le ofrecemos esta información para poder ayudarle a pagar el préstamo por el título de su vehículo. Si todavía no tiene un préstamo por el título de su vehículo con TFC Title Loans y le gustaría iniciar su solicitud, no dude en rellenar el formulario que puede encontrar en nuestra página web o llámenos por teléfono hoy mismo; nuestro equipo de atención al cliente estará encantado de poder ayudarle.

 

Maneras diferentes para pagar un préstamo por el título de su vehículo

 

Existen maneras diferentes que le pueden convenir para hacer frente a los pagos del préstamo por el título de su vehículo. En TFC Title Loans trabajamos todos los días para mejorar nuestro proceso de pagos, por lo que con el tiempo esta lista puede seguir aumentando. En la actualidad, estas son las opciones que le podemos ofrecer:

 

  • Envíe sus pagos igual que lo hace con el cheque de su renta o con el cheque de sus otros recibos. Así no se olvidará.
  • Pague con cheque por teléfono y obtenga la ayuda de uno de nuestros agentes de atención al cliente.
  • Pague en línea con cheque visitando tfctitleloans.com.
  • Puede pagar en un centro autorizado de MoneyGram o utilizar MoneyGram en línea. La tarifa estándar para realizar un pago a través de MoneyGram es de $9.95 y el servicio en línea de MoneyGram tiene un límite de $600 por transacción.
  • También aceptamos pagos a través de Western Union si es lo que más le conviene.

 

Estrategias para pagar su préstamo

 

Una vez que obtenga su préstamo de TFC Title Loans, debe comenzar a pensar cómo va a pagar su préstamo. Si usted comienza a planificarse con tiempo, seguro que pagará su préstamo a tiempo e incluso antes. Si usted desea pagar su préstamo lo antes posible, nosotros no se lo vamos a impedir ni le vamos a añadir ningún tipo de interés.

 

  • Elabore un presupuesto y asegúrese de calcular los pagos mensuales de su préstamo para que siempre tenga dinero suficiente para hacer frente a los pagos. Si todavía no ha hecho su presupuesto, ahora es un buen momento de hacerlo.
  • Si usted recibe cualquier ingreso adicional, trate de pagar una cantidad mayor que el pago mensual establecido. De esta manera reducirá el interés que tiene que pagar por el préstamo.
  • Póngase al día todas sus transacciones para que sepa exactamente cuánto ha pagado y cuánto le falta por pagar. Al hacer esto, también tendrá muy presente el calendario de sus pagos.
  • Si tiene alguna duda, llámenos para sentirse más seguro y con menos preocupación. Si necesita ayuda, nosotros haremos todo lo que esté en nuestras manos para que el proceso sea más fácil.
  • Si el idioma es una barrera para usted, no dude en llamarnos inmediatamente con cualquier pregunta sobre sus pagos. Tenemos agentes hispanohablantes.
  • Si usted es una de esas personas ambiciosas, puede calcular el interés por su propia cuenta y planificar un pago personalizado para pagar el préstamo por el título de su vehículo antes de la fecha programada. Así usted irá pagando a su propio ritmo y podrá evitar mucho dinero en intereses.
  • Analice la posibilidad de conseguir dinero extra; por ejemplo, puede ser un conductor de Uber o buscar otro trabajo flexible.

 

Si tiene cualquier otra pregunta sobre cómo pagar un préstamo por el título de un vehículo, no dude en ponerse en contacto con nosotros. En TFC Title Loans nuestro equipo de atención al cliente siempre está a su disposición para atenderle con cualquier pregunta que tenga. Y si ya tiene un préstamo por el título de su vehículo con otro prestamista pero no está contento con sus condiciones, en TFC Title Loans también podemos refinanciar su préstamo. Si le interesa refinanciar su préstamo actual u obtener un préstamo nuevo con nosotros, ¡llene nuestra solicitud en nuestra página web o llámenos hoy mismo!

March 28, 2017

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Refinanced Title Loan on a 2011 Jeep Wrangler with TFC

In title loan buyouts and refinancing, we pay off the remaining balance left on your previous title loan so that we can give you better loan terms with a more affordable payment schedule and lower interest rates. In some cases, we can even get you more money than what you had from your previous loan. Nobody knows the truth of this statement better than the recent TFC Title Loans customer in the San Jose area: Thomas W and his refinanced title loan on a 2011 Jeep Wrangler.

 

Thomas W. found himself in need of financial help recently when he made a big move to a new area. We all know how stressful the moving process can be and a tight budget can make the situation far worse. Thomas decided that a title loan would be the best way to cope with his new moveaaaaaaaa and said he doesn’t know what he would have done if he hadn’t been able to obtain a title loan. But Thomas wasn’t completely satisfied with the lender he had chosen and decided to switch to TFC Title Loans. In order to approve Thomas for his refinanced title loan, we needed the typical information for a normal application and some extra information about his then current loan. Thomas’ car is an orange 2011 Jeep Wrangler (pictured above) with a mileage of 99k. This unlimited Sahara sport utility 4D car has substantial value and is, therefore, easy to approve. Thomas is retired and receiving a regular monthly income through State Pension so he was able to provide sufficient income as proof of ability to repay the loan in affordable monthly installments.

 

By choosing to refinance with TFC Title Loans, Thomas was able to receive far better customer support and a significantly easier lending process. He gave the simplicity of our lending process a five-star rating. Additionally, he gave his customer service experience with TFC Title Loans a five-star rating as well! As if that weren’t enough, we were able to get Thomas an interest 3% lower than his previous lender at a 75% APR. We were able to loan him an extra five hundred dollars on top of the title loan buyout paid to his previous lender.

 

If you are interested in refinancing to get a better deal like Thomas did, then you ought to consider turning to TFC Title Loans. We are dedicated to coming by your side to get you the best rates and the most money. If you have any remaining questions about the refinancing process or about car title loans in general, then you should give us a call right away. We have customer service representative standing by the phones right now who would be happy to answer any questions that you may have.

 

To refinance your current car title loan with TFC Title Loans, simple go to the homepage on our website and fill out the short and easy online application located there. Once we receive your information, we will give you a call almost immediately to discuss your options and what we may be able to offer you to make your life easier. We understand some seasons of life are much harder than others, usually because of financial strife. We are ready to ease your burden with an auto title loan between $1,500 and $50,000. We can approve you regardless of your credit, so even if you have been rejected by a bank due to your credit score you don’t need to give up just yet. Turn to TFC Title Loans, we help those in need.

 

We have proven time and time again, over the last 25 years, that we can get you the most competitive interest rates and the most money out of your loan. Our customer service causes borrowers to come to us after they have been treated poorly by other lenders. We treat you with dignity and help you out if you start to struggle with making payments on time. We consistently want to see our customers succeed, not only in their loan repayment, but in all their other financial endeavors as well. We have performed thousands upon thousands of title loan buyouts since we first opened our doors in 1994.

March 28, 2017

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¿Cuánto Puedo Obtener por un Préstamo por el Título de mi Vehículo?

Una de las primeras preguntas que el equipo de atención al cliente de TFC Title Loans suele escuchar es: “¿cuánto puedo obtener por un préstamo por el título de mi vehículo?” Lo cierto es que la cantidad varía entre unos prestamistas y otros ya que hay una gran variedad de factores que hay que evaluar para determinar el valor de su vehículo y ofrecerle una cantidad que le satisfaga. Sin embargo, no todos los prestamistas son tan trasparentes con este proceso como TFC Title Loans. A continuación, le vamos a explicar detalladamente cómo puede saber el préstamo aproximado que puede pedir y cuál es nuestro proceso a la hora de evaluar un préstamo por el título de su vehículo.

 

En TFC Title Loans llevamos ayudando a nuestros clientes con sus préstamos por el título de sus vehículos desde 1994; y con tanta experiencia, tenemos un gran conocimiento sobre este tipo de préstamos. A lo largo de los años hemos ido mejorando nuestros métodos para valorar su vehículo y determinar la cantidad de su préstamo; de esta manera hacemos que el proceso sea lo más sencillo posible y usted pueda obtener tanto dinero como esté en nuestras manos. Somos conscientes que usted necesita el dinero rápidamente y por eso le vamos a explicar algunos datos sobre nuestro proceso para pedir un préstamo por el título de su vehículo para prevenir cualquier problema que se pudiera presentar.

 

Nuestra garantía es la satisfacción de nuestros clientes y durante casi 25 años hemos estado al lado de nuestros clientes guiándoles con todo el proceso de un préstamo por el título de su vehículo e informándoles sobre este asunto con el objetivo de ser totalmente transparentes. La prioridad de TFC Title Loans es que entienda perfectamente cada paso del proceso de un préstamo por el título de un vehículo para que no se comprometa sin antes tener toda la información que necesita. Le invitamos a que siga leyendo para que entienda mejor cuánto dinero puede obtener por un préstamo del título de su vehículo; sin embargo, si ya sabe cuánto dinero puede conseguir o si quiere que nuestro equipo de atención al cliente le ofrezca un presupuesto gratuito, ¡no dude en ponerse en contacto hoy mismo con nosotros a través de nuestra página web o por teléfono!

 

Restricciones estatales

 

En ciertos estados las leyes estatales establecen ciertas restricciones y/o límites para un préstamo por el título de un vehículo; en algunos estados hay un mínimo y un máximo de dinero que los prestamistas pueden ofrecer a sus clientes independientemente del valor del vehículo. Por ejemplo, en California las leyes son más estrictas que en Arizona y Nueva México. Nosotros nos vamos a centrar en estos tres estados, pero si usted no es residente de ninguno de ellos, también puede encontrar fácilmente esta información por Internet.

El mínimo del estado de California para un préstamo por el título de un vehículo es de $ 2,600 y el máximo es de $ 50,000; Arizona y Nueva México tienen un mínimo de $1,000. En cuanto al valor del vehículo, California establece que para pedir un préstamo por el título de un vehículo, el vehículo debe tener por lo menos un valor de $4,000; mientras que en Nueva México o Arizona el vehículo debe tener un valor mínimo aproximado de $2,000.

 

Determinar el valor

 

Incluso antes de ponerse en contacto con TFC Title Loans, usted puede hacerse una idea del valor de su vehículo utilizando una calculadora del valor de vehículos. Una calculadora gratuita en línea es Kelley Blue Book . Todo lo que tiene que hacer para saber cuánto puede valer su vehículo en el mercado, es introducir el año, la marca y el modelo de su vehículo. Éste es el primer paso que realiza TFC Title Loans para estimar cuánto dinero podemos prestarle. Nosotros utilizamos un sistema más profesional y determinamos el valor de su vehículo según su año, marca, modelo, estilo, kilometraje y estado en el que se encuentra. La mayoría de los prestamistas utilizan el valor del mercado del vehículo ya que es lo que la mayoría de los compradores/vendedores de coches estarían dispuestos a pagar para hacerse cargo del vehículo.

 

TFC Title Loans le puede ofrecer un presupuesto gratuito. Para ello únicamente necesitamos algunos datos básicos. Si desea obtener una cotización más precisa con los términos del préstamo, entonces necesitaremos algunas fotografías de su vehículo para poder verificar el kilometraje y la condición en la que se encuentra su vehículo. Una vez que venga a por el dinero de su préstamo, haremos una revisión rápida de su vehículo en persona para verificar que las fotografías eran verdaderas y actuales.

 

March 27, 2017

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La Mejor Compañía para un Préstamo por el Título de un Vehículo

¿Alguna vez se ha preguntado cuál es la mejor compañía para un préstamo por el título de un vehículo? Nuestra opinión podría parecer sesgada a usted, pero sin duda podemos decir que ya ha encontrado  la mejor compañía para obtener un préstamo por el título de un vehículo: TFC Title Loans; y le vamos a ofrecer datos diferentes que confirman esta afirmación. TFC Title Loans es la empresa más veterana que se dedica a ofrecer este tipo de préstamo en California, ya que, durante casi 25 años hemos estado otorgando préstamos a nuestros clientes. Gracias a nuestra experiencia y la confianza de nuestros clientes, podemos ofrecer los préstamos mejores, con los intereses más bajos y con el servicio de atención al cliente que es mejor que cualquier otra compañía.

 

Para pedir un préstamo por el título de un vehículo es una decisión financiera importante y es preciso que usted acuda a la mejor empresa del sector porque esta decisión puede afectar significativamente sus rutinas diarias. Por esta razón, la compañía que quiera ofrecerle un préstamo tiene que ser la mejor. En TFC Title Loans somos conscientes de esto y tenemos muchos ejemplos que demuestran que somos los mejores: tenemos el mejor equipo de atención al cliente, las mejores ofertas y los mejores tipos de interés. Y sobre todo, nuestra garantía: la satisfacción de nuestros clientes.

 

Desde el principio en 1994 cuando comenzamos a atender a nuestros clientes, nuestra prioridad ha sido la transparencia para ofrecerles toda la información que necesitan durante el proceso para conseguir un préstamo por el título de un vehículo. Si desea saber por qué somos la mejor compañía para obtener un préstamo por el título de su vehículo, le invitamos a que siga leyendo este artículo; le aseguramos que al final, usted va a estar de acuerdo con nosotros gracias a los datos que le vamos a presentar. Y si ya tiene claro que quiere conseguir un préstamo por el título de su vehículo con TFC Title Loans, puede comenzar hoy mismo. Rellene nuestra solicitud en nuestra página web o llámenos por teléfono; nuestros agentes le ayudarán con mucho gusto.

 

Por qué TFC Title Loans es una compañía diferente

 

En primer lugar, con TFC Title Loans no hay ningún tipo de penalización si decide pagar su deuda por su préstamo por el título de su vehículo por adelantado. TFC Title Loans le permite pagar su préstamo por adelantado en cualquier momento para que evite pagar más intereses. Los pagos del préstamo se van amortizando. Lo que significa es que cuando realiza el pago, estará pagando tanto la cantidad del préstamo original como el interés. ¡Así no hay ningún pago final! Éste es un gran beneficio para usted que muy pocas compañías ofrecen.

 

En segundo lugar, TFC Title Loans tiene el mejor servicio al cliente. Nuestros agentes están totalmente capacitados sobre los préstamos por el título de un vehículo y le ofrecerán cualquier información que necesite. Además, siempre están encantados de ayudar a todos nuestros clientes. Nuestros agentes saben que la garantía de TFC Title Loans es la satisfacción de nuestros clientes y si por cualquier razón no tienen la información que usted necesita, la buscarán y enseguida se pondrán en contacto con usted. Sabemos que para pedir un préstamo por el título de su vehículo es una gran decisión económica y TFC Title Loans hará todo lo que esté en nuestras manos para que usted tome la mejor decisión posible.

 

En tercer lugar, el proceso para pedir un préstamo por el título de un vehículo con TFC Title Loans es totalmente transparente y se ajusta a la legalidad vigente, así su privacidad estará segura con nosotros; usted pagará su préstamo según los términos legales.

 

En cuarto lugar, las condiciones del pago son flexibles y específicas para cada cliente ya que sabemos que las situaciones y necesidades de cada persona son diferentes; por lo tanto, no podemos tratar a cada cliente de la misma manera. Nuestros plazos pueden variar entre los 24 y los 36 meses. De esta manera, tiene mucho tiempo para pagar su préstamo sin tener que preocuparse por su pago mensual.

 

En quinto lugar, TFC Title Loans puede refinanciar fácilmente su préstamo por el título de su vehículo si ya tiene uno con otra compañía. Frecuentemente otros prestamistas no pueden igualar nuestras tarifas tan competitivas y nuestros términos tan flexibles. Como resultado, los clientes de otros prestamistas acuden a nosotros para refinanciar sus préstamos.

 

Otros beneficios grandes de TFC Title Loans

 

  • Puede seguir manejando su vehículo mientras está pagando su préstamo.
  • Puede utilizar el dinero de su préstamo para lo que usted quiera.
  • Los procesos de solicitud y la aprobación son rápidos.
  • Le ofrecemos su financiamiento rápidamente.
  • TFC Title Loans le ofrece una cantidad de dinero superior al resto de la competencia.
  • Contamos con más de una docena de sucursales en California, Nueva México y Arizona.

 

En TFC Title Loans entendemos las situaciones tan difíciles que están pasando a nuestros clientes y comprendemos las dificultades que una persona puede tener para pagar sus facturas, emergencias médicas o la matrícula escolar. Por esto, hacemos todo lo que está en nuestras manos para ayudar a nuestros clientes lo más rápido posible. Estamos seguros que ahora ya sabe por qué TFC Title Loans es la mejor compañía para pedir un préstamo por el título de su vehículo; pero si tiene alguna otra pregunta, por favor, póngase en contacto con nuestro equipo de atención al cliente para atenderle como se merece. Y si ya está listo para solicitar un préstamo por el título de su vehículo con TFC Title Loans, ¡le invitamos a que llene nuestro formulario en nuestra página web o nos llame por teléfono hoy mismo!

March 27, 2017

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Do Title Loans Require a Credit Check?

pexels-photo-95916If you have ever been rejected by any lender because of your credit score, then you would probably like to know the answer to the question: do title loans require a credit check? It is an arduous process applying for a loan, especially one at a more traditional bank. And if you go through all of that just to be rejected at the end of it all because of a simple number that represents your past rather than your future, then you might want nothing to do with lending institutions ever again. But we do have good news are you: auto title loans don’t require that you have a perfect credit score. So, if you are in need of emergency funding then they might be the perfect option for you.

Since we are firm believers in consumer education, we want to explain to you exactly how we are able to lend you money regardless of your credit history report. Ever since we first opened our doors in 1994, making us the oldest title loans lender in California, we have been passionate about lender transparency. We have been expanding our company website as of late so that we can provide our loyal customers with a wealth of informative resource pages that answer all their questions about title loans.

In this particular resource pages, we will be discussing whether title loan lenders check your credit and what enables them to lend you regardless of your score. If you wish to learn more, then please continue reading. However, if you are interested in obtaining an auto title loan with TFC Title Loans then you should go fill out our online application right away.

Approval Regardless of Credit Score

Since auto title loans are secured loans, lenders are able to mainly base your approval and loan amount on the value of your car and your ability to repay the loan in full through regularly scheduled monthly payments. If there is enough trade-in value in your car and you have a proof of income, then you will have a high chance of approval even if you have a less-than-perfect credit score.

TFC Title Loans love to help out those people who can’t find the help they need from their local bank or credit card companies. If you can’t find funding elsewhere because of your credit score, then don’t hesitate to turn to us for the emergency funding you need. You can never prep for unexpected expenses and it is impossible to improve your credit score as fast as you may sometimes need to. Whether you need the money for medical bills, rent, or home repairs, we can help you access the money you need regardless of your current credit report.

Credit Check in Application Process

Even though, we never reject you based on your credit score it is protocol that we check it during the application process. We don’t check your report for the number score but rather to make sure you are not currently in active bankruptcy, if you have a past bankruptcy that has been resolved then that does not matter. We also check to see that you are not currently undergoing credit counseling, if you have already undergone credit counseling but completed that then we do not hold that against you either.

Interested in Applying?

If you have any further questions about TFC Title Loans, then you ought to give us a call right away at our toll-free number. We have friendly customer service agents standing by the phones right now who would love to answer any question you may have. If you are interested in getting started in the application process, then go straight to homepage and fill out the online application form and you will hear back from us within the hour! No need to hesitate. We look forward to working with you.

March 24, 2017

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How Are Title Loans Paid Back?

pexels-photo-52587If you are currently considering a title loan then you may be curious “ how are title loans paid back?” Here, at TFC Title Loans, we want to detail all the ways in which you can pay title loans back so you can pick the one that is absolutely best for you. We are strong believers in consumer education and lender transparency so we want to make it as easy for you as possible to get the information you need. It is for this exact reason that we have been building out and expanding our website to include these resource articles to answer each and every question you could come up concerning title loans.

TFC Title Loans has been around since 1994, making us the oldest title loan lender in the state of California. We have nearly 25 years of experience under our belts and that has helped us to perfect the lending process along with the repayment process so it all goes as smoothly as possible. We know that all of our customers have different unique circumstance that make certain payment methods unrealistic which is why we have been regularly coming up with new ways to pay down your auto title loan. The most recent option that we have introduced is a new online automatic payment method. With this new option, you will never make a late payment again.

This new option allows you to make payments via ACH. All of our customers will be able to make payments through ACH via the phone with a representative or make a one-time payment as a guest online or enroll to be able to continue making regular/automatic payments online. Simply visit this site to make a guest payment or enroll for automatic withdrawals. However, this is only the most recent addition. There are still many other ways to pay off your title loan.

Ways to Pay Off Your TFC Title Loan

There are numerous convenient ways for you to make payments on your title loan. We continue working on new enhancements to our payment structure so this list may continue getting longer over time. For now, these are the available options we have:

  • Mail in your payments just like you do with your rent check or your utility check. That way you won’t forget.
  • Online single or automatic payment through ACH.
  • Pay over the phone with a card by talking with one of our friendly loan agents.
  • You can make your loan payment in person at one of our numerous locations with cash, card, or check!
  • You can pay at a local MoneyGram center or use MoneyGram online. The standard fee for making a payment through MoneyGram is $9.95 and MoneyGram’s online service has a $600 limit per transaction.
  • We also accept payments via Western Union to make it as convenient for you as possible.

 

How to Pay Off Your Loan Quickly

When you receive your loan from us, it’s always a really good idea to start strategizing on how you will go about paying down your title loan. If you make thorough plans, then you are more likely to stay on track. We charge absolutely no prepayment penalties so you can pay off the loan as quickly as you’d like.

  • Make sure to calculate the monthly loan payments into your budget so you always have enough money left over to make the scheduled payment. If you are not already budgeting, it would be a great idea to start now.
  • Give us a call to check in on a regular basis. This will make you feel more secure and less worried. An open communication line with your lender will make it easier for you to reach out to us if you need help.
  • When you have extra resources available, try to pay more than the monthly requirement. By doing this you will decrease the interest you will need to pay on the loan.
  • Make sure to stay up to date with all of your billing statements so you can keep track of how much is paid and how much is still to be paid. By doing this you will also ensure that you always know when your next payment is due.
  • If you want to be really ambitious, then you could calculate the interest on your own and make a personalized payment plan to pay the title loan off earlier then the scheduled date. That way you could follow your own schedule rather than ours and avoid a lot of interest.
  • Research new ways to make extra income on the side; such as driving for Uber or making passive income.
  • If ever you have questions concerning your payments, call us right away so nothing gets lost in translation.

March 23, 2017

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Who Uses Title Loans?

pexels-photo-217011As the oldest title loan lender in California, we have served thousands of customers so we are very familiar with the full array of who uses title loans. Each and every customer is different since every single situation is unique. But there are a lot of common threads that run throughout many of our clients reasoning. Sometimes it can be comforting to know why other people choose to use title loans so that you know you are not alone in your particular need.

Here, at TFC Title Loans, we put our customers first. This dedication we have to customer service and support means that we work hard to be a resource to our customers in more ways than just lending money to them when they need it. Over the past 25 years, we have become increasingly passionate about consumer education which is why we have been working very hard recently to expand our website to include pages upon pages of resources and information explaining all aspects of title loans and instructional articles on personal finances. We want to see you succeed, not only in repaying your loan, but in the rest of your financial future as well.

Ever since we first opened our doors in 1994, we have assisted thousands upon thousands of customers in obtaining the money they need through title loans. These individuals have desperately needed emergency funding and have not been able to access it elsewhere because of the unfair system of credit reporting. We have helped them and we can help you!

These are some answers to the question who uses title loans:

Someone Who Needs Holiday or Birthday Money

Whether a significant other, a friend, or close family member- everybody has a birthday. You need to express that you care. If you can’t manage to pay for a gift for their birthday or for another holiday like Christmas or Hanukah, you may be left feeling embarrassed and ashamed. A title loan can show your partner that you care for them on Valentine’s Day or show your niece that you are invested in her future.

Someone Who is Moving

Moving can be a tremendously expensive process but, at specific times in life, it is necessary to change your living situation whether it is for family growth or downsizing purposes you need some extra money for the moving trucks, the movers, the boxes, and the down payment. A title loan can give you funding for your move quickly so you don’t have to put your moving process on hold only to be turned away by a bank.

Someone with a Family Emergency

You never know what might be waiting around the corner. Family is complex and you can’t always control what occurs to those you love or what those you love choose to do. But no matter what blood is thicker than water and you have to support your family. You might need money to bail out a family member that made a mistake. You may need extra funding to support your ailing mother, father, or grandparent. A title loan can get you the funding you need to show you care.

Someone Who Needs to Do Home Repairs

If your home’s plumbing breaks, that is not something you can disregard. Something like that necessitates a quick fix but those kinds of repairs can be costly. If you don’t have an satisfactory emergency fund saved, then you ought to get a title loan so you can cover those costs and get back to life as usual with a fully operational house.

Someone Who Can’t Make Rent/Mortgage Payments

Sometimes our monthly compensation just doesn’t cover the bills we need to pay. When you find yourself in that situation, you likely feel fearful and uncertain where to turn. It feels as if you are one bill away from being thrust out onto the streets and having to live out of your car. But with a title loan, you can use that car to get enough money to pay your rent check. And, don’t worry, you still don’t lose your mode of transportation.

Someone Who Needs to Pay Medical Bills

There is no preparation for a medical emergency. Even with a quality health insurance plan, your medical bills can still be unmanageable. And it is even worse if you don’t have a quality health insurance plan. When you are drowning in medical bills, a title loan can help you pay them off so you can move on with your life with both your health and your finances intact.

Someone Who Has to Cover Funeral Expenses

When a loved one dies, there is already enough grief to deal with without money anxieties being added on top of that. Many people are incapable of providing funds for their burial and funeral ceremony but that doesn’t mean they shouldn’t be put to rest just like every other person who can afford the savings. A title loan could help you cover the expense of your loved one’s memorial service, funeral, burial and/or cremation. The focus of this time ought not to be about money but about saying goodbye properly.

March 22, 2017

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The Risks of Title Loans

pexels-photo-147430If you are considering an auto title loan, you may have worries because you have heard people talk about the risks of title loans. Here, at TFC Title Loans, we recognize your worries and we want to help explain fully the risks and disadvantages that are associated with auto title loans. We are not like other lenders, we don’t try to hide the risks from our customers. As a company, we are strong believers in consumer education and lender transparency. We want you to make the best decision for your situation. When we have happy customers then we have a successful business model. We don’t want our customers getting into any kind of loan contract without knowing all the risks associated with it.

There are particular dangers that are associated with car title loans which aren’t typical with other kinds of loans that are more traditional, such as those lent by banks. This is because auto title loans aren’t dependent on your credit score; instead they are secured loans which use your car as collateral for the loan. Since auto title loan lenders work with a lot of sub-prime borrowers the risk is higher that the customer will either default on the loan or make late payments. This increased risk dictates that the lender charge a higher interest rate to make up for the higher risk posed by the borrower’s credit score. Usually, when there is an increased risk for the lender there is an increased risk for the borrower as well.

Ever since we first opened our doors in 1994, we have been very passionate about helping out those people who can’t find help anywhere else. It is an unfair system that judges individuals based on a singular number then does not give them the opportunity to improve upon that number. We can help you even if it is a higher risk for us. But it is very important that you understand the increased risks that you will be taking on before applying for a car title loan. We want to see you succeed, not only in paying off a title loan or raising your credit score, but in all your personal finances.

Risks of Title Loans

  • Higher Interest Rates

Since there is a higher risk for the lender when giving out a loan to a borrower with a less-than-perfect credit score, auto title loans tend to have higher interest rates to make up for the increased risk. This means you could end up paying more back than you would with a typical bank loan.

  • Repossession Possible

Auto title loans use your car as collateral for the loan so if the loan was to be defaulted on, then the lender would have no choice but to repossess your car in order to get the money back that they lent out. If this must be done, lenders sell the car at auction and end up getting less than they would have if the borrower had not defaulted, so this is undesirable for both parties.

  • Shorter Payback Times

Many auto title loans have shorter payback schedules than the typical bank loan. There are some lenders that require the loan be paid back in just a few months which can make the payments astronomical.

  • Payment Fees

If you miss a payment or a few then the late payment fees could really start to stack up over time making it harder to pay the loan down. Some lenders also charge prepayment penalties so that the borrower will have major balloon payments at the end of the loan.

TFC Title Loans Tries to Minimize the Risks

  • Sliding Interest Scale

We have a product which can decrease the higher interest rates common to title loans through sliding scale interest rates so each loan can be customized to the customer’s unique situation.

  • Excellent Customer Support

If you are struggling to make payments, all you need to do is reach out to our customer support team here, at TFC Title Loans, and we will figure out a way to help you through the process without your loan defaulting.

  • Longer Payback Terms

We customize our loan terms for each customer with a payback timeline between 24 and 36 months so that the monthly payments are affordable.

  • No Prepayment Penalties

We charge absolutely no prepayment penalties so you can pay back the loan as early as you like. If you decide to pay it back early, then you can avoid building interest.