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02 Apr 2019   /   0 comments

Never Settle For a Bank Loan


never settle for a bank loanIf you’re in need of cash, never settle for a bank loan. If you were to look at a poll reaching out to citizens and seeking their thoughts on bank loans, the most popular option that most would agree on would be that seeking and getting a loan approved by a bank is often times an uphill task.

Well, that is not far from the truth. Bankers have made it a habit to weed out risky borrowers that present themselves with flawed credit backgrounds.

A person believed to be a risk causes the banker to either reject the loan requests of that person or hike the interest rates with stiff repayments.

Don’t Settle – Choose Our Car Title Loans

The situation then becomes dire and you are quick to look at all of your options for this source of emergency funds. Perhaps a loan that is cost effective and efficient in cash delivery. One such loan is our auto title loans here at TFC Title loans. Our title loans epitomize what a good and affordable loan should be.

Efficient auto title loans make it possible for citizens to access affordable loans without being subjected to hassles and complications; something most residents rejoice about. You can apply for you car title loan online today.

Bad Credit History is Okay

Our vehicle title loans provide a means for you to obtain funds based solely on the collateral of your vehicle, and accepts no other security for approving loans. An on-site valuation of your vehicle will be done and the lender can then determine an ideal loan amount based on the value of your car.

Usually the loan amount itself will be a fraction of the collateral value such as 50% to 90% of that value. If you have a well maintained car or a recent model with reasonably good mileage, you stand to benefit by a reasonable loan amount ranging from an amount as low as $2,600 to an amount as high as $25,000.

Obtaining an equity title loan is easy with TFC Title loans. We have many locations in California for your convenience. Our online application makes applying simple and only takes a few minutes. Our requirements for eligibility include:

  • Proof of car ownership
  • At least 18 years of age
  • Proof of income (minimum of $1,200 month to qualify)
  • Proof of residency
  • Valid driver’s license
  • Proof of auto insurance
  • Your clear car title

Once you’ve submitted the necessary paperwork your information is evaluated by the lender to determine the loan that is most suitable for you based on your income, car’s equity, etc. You can expect to have the money you need within a day if all the correct and necessary paperwork is submitted to our loan officers.

Auto Title Loans are Ideal for Any Financial Pinch

You can tackle any kind of emergency with this cash such as the education expenses of your kid or a mortgage payment that fell into arrears or a purchase that eluded you due to a shortage of funds.

You can even use the loan to fund a much delayed vacation or even for consolidating your credit card balances. The uses may be varied but the source is one and the cash is instant in its availability – TFC Title loans is here for your quick cash needs.

How to Get a Title Loan without a Bank Account

Have you ever wondered how to get a title loan without a bank account? Well, with a title loan, there are no strict requirements like there are with traditional loans. They are a flexible option compared to the traditional lenders. TFC Title Loans accepts people with bad credit or those who don’t have a bank account.

We make retrieving a loan a lot more accessible for those who are in need of financial assistance. Without a great credit score or a bank account, obtaining a traditional loan could be extremely difficult and take weeks to finalize. TFC makes your loan process easier and obtainable.

Have you ever wondered how to get a title loan without a bank account? Have you ever considered obtaining a title loan? Do you know what to take to get a title loan?

Do you even know what a title loan is? Well, we won’t assume you know so we will break everything into pieces in this content. However, it’s important to know that there are no strict requirements like there are with traditional loans.

They are a flexible option compared to the traditional lenders. They are a flexible option compared to the traditional lenders. For clarity sake, let me quickly digress to answer the questions above.

A title loan is a flexible loan that offers you money against the title of your car rather than your credit scores.


There is no any hassle on a title loan, the requirements are simple documents that you are expected to have as a resident owing at least a car. Below are few documents that you will need to access a title loan and reasons why you need them.


The Vehicle

Your vehicle is the major requirement, the vehicle along with its equity will be assessed by our expert staff to determine if it qualified to stand as collateral for the amount you requested 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 and finalize the loan deal immediately, you can drive away your car.


Vehicle Title

Our offices are located in different cities in many states in the United State, you must ensure that your car is registered in the city where you are applying for the loan, the car must be free from any lien and you must have completed the payment of the car.


Proof of Identity

To prove that you are resident of the city where you are applying for the loan, you must provide your full address, contacting number, utility bill of the house as well as your identity card issued by the government such identity card include passport, driver’s license.


Proof of Auto Insurance

Since we are not requesting that you should park your car with us, we should at least be sure that we are secured during the loan period. Proof to show that you insured your vehicle is enough to put our mind at rest should the car involve in an accident during the loan period or in case of theft or other issues.


Proof of Income

Your source of income is important to us before we give you any loan, we must be sure that you are capable of refunding the money without any hassle. We don’t save you from a mess to put you into another mess so; we consider your source of income while determining your repayment option. For instance, if your income is $100 per month and we ask you to refund $150 per month, this might be difficult for you to do and you might end up losing your collateral.

We may demand that you provide few references.


No Bank Account Required

Reading all the requirements above, you will understand that there is no appearance of any bank name or any bank documents. This is to prove that you do not need a bank account to get a title loan.

You don’t need a bank account to be approved for an auto title loan with TFC Title Loans. However, on a few occasions, you may be asked to provide your account information but we only as such is when you don’t have any other way to prove your income. In some cases when you’re self-employed or don’t have a traditional source of income, a bank account verifies that you do receive an income.

Remember that we’ve earlier mentioned that this title loan is flexible, and we’ve also mentioned that we plan your repayment plan taking into consideration your source of income. Obviously, you will understand better why we need to be ascertained of your income flow. If you have pay stubs or checks from your employment, then you don’t need to worry about providing a bank account.

A bank account isn’t required to receive your funds or pay your loan. When you are approved and have signed your loan agreement, TFC will provide you your money in your hand. We don’t need to wire it to an account in order for you to receive it. When you have to make your monthly payment for your loan, there are many different ways to pay your balance. If you prefer to pay with prepaid cards or cash, you can:

  • Pay over the phone
  • Pay online with your customer login
  • Visit a TFC location and pay


Financial Future

Maybe you once tried or probably you are fed up with some bank charges or bank hours seems to be inconvenient for you or you don’t trust banks or don’t think it’s worth the trouble.

You may think you’re too young or you don’t even know how to bank. Whatever the reason may be, we want to tell you that a bank account is essential and also, wants to help you acquire one. We know the value of bank and we will like to let you know that bank accounts are essential.

Apart from the fact that your money is safe in the bank, it makes managing your finance a lot easier and also assists you in creating a viable budget as you can easily have access to what you have in your bank statement.

Just one bank account can make your whole life easier than your imagination, it enhances your safety, you don’t have to receive your pay by hand, you can discuss with your employer to channel your paycheck into your bank account.

As technology advance, numerous are the benefits of operating bank accounts, we can mention all but we will like to touch few of the advantages. It includes:

  •    FDIC insured banks: a safe place to insure your money
  •    Free checking accounts exist
  •    Banks accept low deposit amounts
  •    Avoid check cashing fees
  •    The convenience of a card or ATM access
  •    Open an account with ITIN or other identification forms
  •    Secure transfers and transactions
  •    Collect interest on checking and/or savings accounts
  •    Online bill payments using a credit card
  •    Automatic bill payment


How to Apply Without a Bank Account

Although a bank account is great and offers numerous advantages much more than the few we mentioned, it doesn’t stop you from enjoying the full benefit of a title loan when the need arises. As long as you have a vehicle with a clear and free title, you can apply for an auto title loan.

By using the title of your car as collateral, your credit score or bank account access does not matter to TFC. It doesn’t affect your qualification or loan amount. We base your loan and the approval on your car value and your ability to repay the loan. You could get anywhere from $2,500 to $50,000 with the title of your car. Then, you can have anywhere from 24 to 36 months to pay off your loan.



TFC has streamlined their application process to make it quicker and easier for you to apply. With our application, you could have your funds in as little as one business day. To start, all you have to do is apply online or call TFC to have a representative help you. Once you’ve submitted the application, a TFC representative will call you to discuss your loan amount, the terms, and to collect all your required documents. After your documents have been received and approved, you head over to the nearest TFC store or signing location to sign your loan agreement and collect your money.



To prepare you for the documents you will need, we’ve provided a list for you. Then, you’ll be prepared for the call from your representative and you can get your money as quick as possible. As earlier mentioned, the following documents will be needed to approve your loan:

  •    Original vehicle title
  •    Proof of identification
  •    A proof of residence
  •    Proof of vehicle insurance
  •    4 references (name, phone number, and relationship). It’s important for you to know that it’s much different from guarantor that will be requested from unsecured traditional loans. With them, when you failed to pay, you put your guarantors in trouble but with us, references are just people that when we contact, they know information about you.
  •    Pictures of the vehicle (four sides, VIN plate, and odometer)
  •    Proof of income/ability to repay the loan

Now you have all the information you need to apply for an auto title loan with TFC. Before you apply, we will like to let you know the few benefits you will enjoy when you apply for an auto title loan with us.

How Much Cash Can i Get?

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