Getting money is usually not easy as traditional financial bodies will usually need to do credit checks. This happens to be a huge problem as you do not want to go through a credit check when you need fast cash, especially when you know that your credit is terrible.
Faced with pending tuition fees, unpaid utility bills and due rents, you become unsettled as you think of how to offset these bills. A debt is not something you want to hold as a title to your name. You may think of letting go of your asset for a dollar amount but one option you can use efficiently is an emergency loan.
There are usually various emergency loan options you can try your hands on, such as checking a bank or a credit union for funds, a payday loan, or a car title loan. When you check the pros and cons of all of these options, the car title loan is a far better bargain.
A car title loan allows you to use your pink slip or vehicle title as collateral for a certain dollar amount. A pink slip is a document that shows who the actual owner of a vehicle is. Some car title lending companies allow the use of all forms of automobiles ranging from motorcycles, cars, vans, trucks, motor homes, recreational vehicles and even boats.
This wide range of automobiles makes it easier for anyone to have a title loan as long as you have your name clearly written on the pink slip or you have equity on the vehicle.
Car title loan companies abound in Orange County and they are ready to proffer solutions to your financial needs. As you think about making a decision on a Car title loan company to work with, you must check to make certain that you are in safe hands. However, TFC Title Loan in Orange County is the best choice to remedy your monetary emergencies.
One of the benefits of a car title loan is that you get the loan to take care of your emergencies while you keep your car and still get to use it like you used to. The lending institution only holds a lien over your vehicle title temporarily until you see out your loan term.
It is important to note that while we make fast cash available to you on the same day you apply, we have to make an effort to see that you will be able to pay back the dollar amount we are giving you access to.
Taking this into consideration, we have to do a credit check. This enables us to find a suitable payment plan for you. This is the only way we can be sure that you can pay back the money that we have given to you.
Getting a title loan is simple. The first step is that you have to own a vehicle. A very essential step is that you have to approach us for a loan. This may be done in three different ways.
You may approach any of our stores or call our free-toll line 1-844-242-3543 and our title loan representative will be waiting to direct you accordingly. You may also decide to visit our website to fill out our online application form.
We will need you to present some documents that will enable us serve you better. The documents that we will want you to present include a copy of your driver’s license or any other means of I.D; a validation of your residency, a proof of your monthly earnings (bank statements, pay stub, etc), list of references (about five references), insurance documents, and the photographs of the vehicle.
We will have to run credit check using Experian. Your bank statements or pay stubs is being required of you for this purpose. This enables us to know that you will be able to pay back the loan we have given to you.
If you have a bad credit, you should not worry. Our major focal point is how we can provide you with the emergency loan you desire so that you can attend to your needs.
But just as we are interested in giving you fast cash, we also need to ensure that you will pay back the loan. If we give out a loan and a client is not able to pay back, the client gets to suffer a default in payment. It brings us to the repossession stage, a stage we do not intend to get to.
Usually, auto loan companies are interested in people with bad credit. For this reason, even when you have a bad credit, you may still qualify to get a loan with us. All you need is to have a pink slip in your name. TFC title loans rather than being a credit-based lender is an asset-based lender and in this case, the asset is the pink slip of your vehicle.
We will also have to inspect your vehicle in other to be sure it is road worthy. The age of your vehicle do not actually matter as long as you have equity on it. We confirm the mileage of your vehicle. We also check for the general body condition of your vehicle.
At TFC title loans in Orange County, we use the Kelley Blue Book to estimate this value. This usually tells us how much you qualify for. We are only able to give you a percentage (about 85%) of this value.
Sometimes, you may not be able to bring your vehicle to our pawn shop for one reason or the other like the vehicle being in a mechanic’s shop. We will have to send our loan representative down there to check the level of repair needed by your vehicle.
We pay for the repairs, if necessary from the money we will be loaning out to you. It is majorly in our interest to ensure we get you out of your financial crisis.Photos of the exterior (four sides) alongside that of the interior (odometer) of your vehicle will be taken by our professional loan representative.
You now know how to get a title loan with us in Orange County. All of these processes (the vehicle inspection, verifications and checks) are being done to ensure that you get the fast cash you want to deal with the emergency you are faced with.
Getting an emergency loan with no check in Orange County is possible but this is not commendable. It has often left borrowers with a huge burden of paying back the loans they received eventually leading to the repossession stage.
Although we are an asset-based lender, it is necessary for us to ensure that our customers get what they can afford. It is for this reason we do credit checks before granting our customers full approval of the loan they have applied for.
Over the years we have been able to give to our numerous customers the maximum satisfaction they desire. How do we know this? Our stories are continuously told by our customers as they keep coming back to us whenever they find themselves in need of emergency cash.
We have only been able to achieve this by planning out strategies to ensure that we do not get to the repossession stage with our clients as a result of them defaulting.
A default on an auto title loan is a situation where the borrower fails to keep up with the terms agreed upon with the lender before he was giving the loan. When a borrower fails to make monthly payments as agreed or his payments are not done on schedule, we have a default situation.
The default is usually stated in the borrower’s contract. When there is a default, the lender attempts to contact the borrower. This is usually done so as to search for more efficient ways to remedy the situation. Defaulting eventually leads to a lender taking the vehicle of the borrower. This is usually referred to as repossession.
It is often a bad situation for both the lender and the borrower. It is for this reason, at TFC Title Loans in Orange County; we seek out measures to ensure that our customers can pay back what they are being given.
Policies, terms and conditions differ from one lending company to another. While most lending companies are eager to repossess your vehicle, at our title loan office near you in Orange County, we sort out better measures that works with your finance so that you are not stressed out as you try to pay back the loan you have been given.
It is a good thing to get emergency loans without credit checks. On the onsetthe customer will be happy with the decision but in the long run, the client would wish that a credit check had been conducted.
Conducting a credit check is a good decision by the lender as the borrower might not be financially buoyant to see his loan term through. At TFC Title Loans, the credit check is our way of knowing your financial strength to be sure that you can repay the loan – hassle-free.
TFC Titleloans is a title loan licensed company that has been providing financial aid needed for emergency situations since 1994. Americans have enjoyed our services over these years as we are at the zenith of the profession with other new generation lenders looking up to us as a paragon.
A quick, easy and straightforward application to deal with emergencies. You are sure to have your application approved the same day you applied for it as long as you meet the necessary stipulations. You are also certain of leaving our office with the loan you applied for, same day you applied for it.
Having a bad credit is not an index to decide whether or not you should be funded with us rather our commitment in following you through the process helps build your credit status. While your credit history is a yardstick for other financial institutions, we only use it to guide you so that your bad credit history will experience a turn around. No matter how bad your credit might be, you are sure of being financed with us.
No other lender gives out much money for your vehicle as we do. We give as low as $2,500 and as high as $50,000, and we do not also poke our nose into what you wish to do with the loan. you also have a longer period to pay off the loan (over 24 months)
Our customer service is the best as compared to what our peers offer. This, we owe to our long years of experience and expertise.
Are you an American of 18 years and above who needs an emergency loan to take care of critical financial emergencies? Do you have a vehicle in your name? Walk into our office today at Orange County or call our free toll line and get quick cash to deal with those emergencies.