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Missouri Disclosures and Fee Schedule

Missouri Loan Information

Trading Financial Credit, LLC d/b/a TFC Title Loans is registered with the Missouri Division of Finance.

Missouri Fee Schedule

The Annual Percentage Rate (APR) for our car title loans in Missouri ranges from 90%-160% depending on your credit worthiness. The majority loans will be charged an origination fee of $75.00.

Loan amounts range from $1,000 to $50,000 with a term of 12 to 44 months. If your payment is fifteen or more days late, then you will be charged a late fee equal to five percent of the payment due or the minimum of $15.00, whichever is greater, not to exceed $50.00. If any check, negotiable order of withdrawal or share draft you give us is returned by a depositary institution, you agree to pay a returned payment item fee of $25.00 for each item returned.

Missouri Certificate of Registration

Cash Advance Loans

Cash advance loans are a short-term funding option perfect for dealing with financial emergencies where credit isn’t taken. People who have a line of credit with a company can borrow money. Just like if someone was buying items in a store, people are making a purchase with this line of credit. Instead of groceries or clothes, a person is taking out cash.

Different credit card companies have different rates and policies regarding cash advance loans. Some companies have the interest rate the same as if someone was using a card in a store. Other companies have higher interest rates linked to cash. Additionally, there are lenders who have fees linked to when cash is taken out on a line of credit. It’s always important to read the fine print.

Some people open credit cards just to get a cash advance loan. There are companies and cards focused on this type of lending. If a person has an existing line of credit, withdrawing money is probably possible just by making a quick call. This is a quick way to get cash without applying for loans and waiting days for an answer. A preexisting relationship with a credit card company makes this incredibly easy. Some people need only to walk up to an ATM, put on their card, and input their code.

Repayment policies vary by lender. Some groups have people repay the advance loan like any other purchase on the credit card. Other companies have people pay the cash advance separately from the rest of the credit balance. Lastly, there could be policies that say that the cash advance balance cannot be paid until the rest of the balance is paid down. Consumers should always ask about the companies’ policies before taking out money.

Consumers should know that unsecured loans like cash advances come with higher interest rates than traditional loans because the money is transferred quicker. Cash advance loans are perfect for people who need cash fast.

Types of Cash Advance Loan

Below are a few different types of cash advance loans:

There different types of cash advance loan but I will like to lay emphasis on the most common ones among them. Below are few ones that I will like to talk about:

Credit Card Cash Advances

Credit card cash advances as far as I am concerned is the most popular type of cash advances, it is must famous than any other type. It works principle based on borrowing on a line of credit through a credit card. You can withdraw cash at any ATM or on counter depending on the operating system of the credit card company. The hidden truth about this type is that it typically carry high-interest rate, higher than the normal rate on regular purchases. For instance, the average you will pay can be as high as 23.53% which about 8.54% higher than the average APR for purchases. Unlike other loans that can offer you a grace period, the interest of credit card cash advances begins to increase immediately.

Fees are usually attached to it, it could be a flat rate or percentage of the amount requested in advanced. Additional charges may also be included if you use an ATM to access the cash.

Credit card advances carry a balance from credit purchases as well as separate interest rates but your monthly due can be applicable to both credit purchases and interest rate. You can settle to pay only the minimum amount due but this will only go to the balance that carries the lower interest rate which obviously will be the rate for purchase. In this case, your cash advance balance will continue to increase for months.

Credit card cash advances will offer you quick and easy money but the interest rate is extremely high.

Merchant Cash Advances

Merchant cash advances refer to loan obtain from lending companies or banks. This type of loan is good for business people with less than perfect credit. This type of loan can be referred to as purchases of future credit card sales as the advances may be paid for with future credit card receipts or with funds received from transactions in an online account. Money received from an online account such as Payoneer and PayPal can play the role of business credit scores in this type of loan. This type of loan is completely different from a traditional bank loan as it is characterized by short payment terms which opposed the longer payment terms and larger monthly payment offered by traditional bank loans.

Payday Loans

The word cash advance is synonymous with payday loans and both are used interwoven. This type of loan is issued by special payday lenders. It is a relatively small amount of money lent at a high rate of interest with the agreement that it will be repaid within the shortest period of time usually the borrower’s next payday. The amount of the loan is usually based on the regulation of the local state, the income of the borrower or his paycheck. Although it comes with fees which could be as high as $15 per $100 it is easy to acquire. Once the loan is approved, there is no any hassle, the lender will offer the borrower immediate cash and if the application is online, the lender will transfer the money into the borrower’s provided checking or savings account.

There is always room for an extension of payment time but this usually comes with additional interest and often time extension only last for 30 days from the previous payment date.

The process can be faster than any other type of loan, you just need to write a postdated check of the amount you want to borrow along with the lender charges and the lender will offer you the cash and cash the check on your payday. Some of the lenders have advanced to the extent that they can make you sign an agreement of automatic repayment from your bank accounts. Proof of income and means of identification will be requested during the loan process since no collateral is involved.

Important Notice about Cash Advances

As is the case with any loan, you must examine your finances to determine the best route for you. While learning to budget is ideal, it doesn’t help to hear it when the rent is due and your car suddenly won’t start. Cash advance loans should only be used in extreme emergencies, and while it’s probably not in your best interest to rely on them regularly, they can come in extremely handy if you find yourself facing a serious cash crisis.

Also, it’s important to note that most credit card issuers won’t allow you to take out the entire amount of your credit limit in a cash advance loan. For most people, cash advances are maxed out at a few hundred dollars. While you can’t rely on your credit card to provide you with thousands of dollars in emergencies. Obviously, there may be a need for another alternative that can offer you sufficient money to cover any kind of emergency should the need arise and that’s where title loan stand.

What Is Car Title Loan?

Car title loan is a perfect loan that fit an emergency need of cash. This type of loan permits you to borrow money against the title of your vehicle. It may not be able to cater to all you need but you can get amount sufficient enough to cater for your emergency need, depending on the value of your car and its equity.

How Does Car Title Loan Work?

The working principle of car title loans is simple; it requires that you borrow money against the resale value of your car. The title of your car will stand as the collateral security for the loan. A lien will be placed on the title of your car during the loan period but will be removed and returned to you immediately after the completion of the repayment. The entire process is easy with the Auto Money 4-step process!

Apply Our App

This is the initial stage of the process, it requires that you fill and submit a simple online application which entails your basic contact information and the car details such as manufacturing year, model, manufacturer, and mileage. This detail will give an insight into how much you can get with your car.

Get Approved

Immediately you submit an online application, a loan agent will be dedicated to you to determine how much you qualify for; taking into consideration the resale value of your car. This is done within couples on minutes usually 15 min or less.

Provide Documents

Bring all necessary documents along with your vehicle to our office

Get Paid

Your check or cash will be available the same day without any delay.

Requirement for Car Title Loan

Requirements to apply for car title loan are as easy as anything you can think of with TFC Title Loans. You do not need to waste time searching for bank statements, once you are 18 years and above and you have a few documents listed below; you are qualified to apply for a car title loan.

The Vehicle

Your vehicle is one of the most important requirements; the vehicle along with its equity will be assessed by our expert staff to determine how much you qualified for. The resale value of your car will determine how much you can get from us. However, you won’t need to park your car with us. Once we’ve determined the amount you qualify for, you can drive away your car.

Vehicle Title

The car must be registered in your name, and the title must indicate that the car is registered in the city where you are applying for the loan. The car must be paid off and without liens on it.

Identity Card

You must come with a valid government-issued identity card; driver’s license and passport are perfect examples.

Residential Proof

Your address will be required in the process as this will prove that you are a resident of the location. A perfect example to back up your address is the utility bills contain your address. Electric bills and cable bills are a perfect example.

Proof of Auto Insurance

Since car title loan permitted you to drive your car during the loan period, we need to be sure that the vehicle you are using as collateral is insured. This will limit our risk, should anything happen to the car during the loan period.

Proof of Income

We don’t just lend you money to put you in another difficult situation so, this document is important as it helps us to schedule a repayment plan that will suit your source of income. It is majorly needed for your own comfort.

Why Should You Consider Our Title Loan In Your Emergency Need Of Cash?

Easy Application

Few steps and you already have the cash in your hand! Our application is easy; you can apply online or walk into any of our offices near you. You can always contact us on phone for any help regarding your application.

Fast Money

We know you need fast cash to aid your planning and that’s what we do when you choose us as your loan lender. We offer you fast money as long as you meet our requirements. You can get the money you need without any hassle the same day you applied for the loan.

Great Customer Service

Even while we are offering you helping hands, we still do it with courtesy. Our staffs are well trained to attend to your need without keeping you waiting, once you have all the required documents as mentioned above, you can access our car title loan without any stress. We are always discreet about any information you submit to us and we treat them as confidential as we can. We will tell you all you need to know about the loan and ensure that you understand all prior to the signing of the loan contract. We are always available on phone1-844-242-3543 should you need any help.

Disclosures

DISCLAIMER: As our policy to make sure you know what we do and what are our limitations, we offer you these disclaimers. We are NOT A LENDER and we do not make short term cash loans or credit decisions. We are a referral service and work only with licensed lenders/brokers.

We may act as the broker for the loan and may not be the direct lender. Loan proceeds are intended primarily for personal, family and household purposes. We do not offer or service student loans.

*Loan amounts by the lenders vary based on your vehicle and your ability to repay the loan.

*Since we do not lend money directly we cannot offer you a solicitation for a loan, except in the state of California. In all other serviced states we WILL match you with a lender based on the information you provide on this website. We will not charge you for this service and our service is not available in all states. States that are serviced by this Web Site may change from time to time and without notice. Personal Unsecured Loans and Auto Title Loans are not available in all states and all areas.

*Auto Title Loan companies typically do not have pre-payment penalties, but we cannot guarantee that every lender meets this standard. Small Business Loans typically do have pre-payment penalties and occasionally will use your car as collateral to secure the loan.

*All lenders are responsible for their own interest rates and payment terms. TFC Title Loans has no control over these rates or payments. Use of the work competitive or reasonable does not mean affordable and borrowers should use their own discretion when working directly with the lender.

*The amount of people who applied for a loan and we helped and those who received a loan is not the same. We cannot guarantee we will find a lender who will fund you.Just because you give us information on this web site, in no way do we guarantee you will be approved for a car title loan or any other type of loan. Not all lenders can provide loan amounts you may see on this web site because loan amounts are limited by state law and/or the lender. Some lenders may require you to use a GPS locator device on your car, active all the time. They may or may not pay for this or charge you for this. This is up to the lender and we have no control over this policy of the lender. Typically larger loans or higher risk loans use a GPS.

*In some circumstances faxing may be required. Use of your cell phone to receive updates is optional.

*Car Title Loans are expensive and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm and you may want to contact the lender directly.

*Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed.

*Trading Financial Credit, LLC dba TFC Title Loans, Car Title Loans California, Dineromax. If you are using a screen reader and are having problems using this website, please give us a call at 1-844-242-3543 for immediate assistance.

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