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Car title loans online – turn your auto into cash now
Green-Touch.org offers Title Loans throughout the US. Keep your vehicle, but use it as collateral to get hold of the cash you need! Green Touch offers a quick and easy online application process, on-site vehicle inspection, and repayment terms that are flexible, with no penalties for early payment.
No application fee
Receive funds directly into your bank
ONLY THREE EASY STEPS TO SUCCESS
Fill out the form
Sign Your Loan Docs
If a time comes when you need to cover an unexpected expense, but you don’t have the financial means to do so, borrowing money could quite possibly be your best option. But what if your friends and family can’t lend you the cash you need or you have a bad credit score? If that’s actually the case, there’s no need to panic because you can get access to easy cash by using your car title as collateral for a loan.
Title loans have been around since the early 90s as a quick way to get loans during emergencies. However, not everybody understands what they actually are and how to obtain them. So let’s look at some of the most frequently asked questions about car title loans and go in deep on different features of title loans so you can get a better understanding of what you are getting yourself into, as well as give you some advice on things you should do if you are about to get a car title loan. Of course, we are going to start off with the most obvious questions of all:
A car title loan is a secured loan in which the borrower submits the original vehicle title in exchange for a loan. All the vehicle’s documentation, including its title, is returned to the borrower once he repays the loan and all fees in full. If the borrower is unable to repay, he faces the repossession of his vehicle which can be auctioned to pay for the outstanding loan. Title loans are short-term loans and have hefty interest rates. Most lenders do not consider the borrower’s credit history. What matters most are the vehicle type and its condition at the time of lending.
A title loan basically works like any other collateral loan. For instance, if you were to take jewelry or other valuables to a pawn shop, an employee behind the counter would appraise your items and give you a loan based on what your items are believed to be worth. The pawn shop will lend you money and charge interest. If you don’t pay back the money within the agreed period of time, you will forfeit your items.
With car title loans you use the title of your vehicle as a guarantee, and the lender will allow you to borrow an amount of money based on the value of your car. Once the loan is paid off, the car title will be returned to you, if not, the lender will assume ownership of your car.
When your car title is used as collateral, you can still drive your vehicle and use it as you normally would for the duration of the loan. However, the lender will keep the title until the borrowed money with interest is paid off.
Title loans are mostly for a small or medium amount of money as it is deemed that offering a big loan is not profitable and risky for the title company. The title loan can range between 20 and 30% of the value of the vehicle if it is to be resold in the current market. The percentage could be higher but that is uncommon. The borrowing process takes just a couple of minutes as it is a simple process.
In addition to all that, auto title loans are not limited only to cars. In fact, you can also use the titles of your other vehicles such as motorcycles, SUVs, and motorhomes as collateral.
Since this type of loan is based on the equity you have built up in your car, with most title loan companies, you will be required to own your car outright. However, you can still qualify even if your car is not fully paid yet, as long as there is enough equity in it, some lenders are willing to accommodate you even if your car’s title is under a loan from another lending company. Loan companies understand that each borrower’s situation is unique so you need to discuss your needs with them in order to work out a course of action most suitable for you. Other requirements may include a minimum age, proof of your income and proof of your residence
Interest rates for car title loans vary among different lenders. Usually, they will give you a monthly interest rate and not an APR, just like in most types of loans. If your loan will run for more than a year, you can easily do the math to find the annual interest rate.
If the interest rate is set for 20% per month, that means the interest will total to 240% in one year. It can be pretty steep, but that can be a price worth paying for because of the convenience an auto title loan offers.
Also, never hesitate to negotiate with your lending company. In fact, some lending companies can offer competitive interest rates that are below state standards.
The auto title loan amount depends on the value of your car. Lending companies ask borrowers to bring their vehicles in for inspection. After that they will make an offer based on their appraisal, so make sure that your vehicle is clean and in great shape before the evaluation. Usually, the lending company allows you to borrow an amount equals to about 50% of the worth of your vehicle because they need enough wiggle room to recover in case you can’t repay the loan
A car title loan duration period can last from few months even a few years. It will all depend on what you and your lender have agreed on.
While the loan is still in effect, the lending company will keep the title of your vehicle, but you may still drive your car and use it as your main way of transportation.
Usually, lending companies don’t require credit checks for borrowers who use their car titles as collateral. Because of the guarantee that they have, they pay almost no attention to your credit report. The value of your vehicle is all that matters. That’s why this type of loan can be beneficial for people who lost their jobs or who for some other reason have existing debts.
To apply for an auto title loan you have to get in touch with a lending company and express you interest in using the title of your vehicle as collateral for a loan. Depending on their policies, you may apply for a title loan online, they may ask you to fill up an online form, or they will set an appointment with you. After that comes the appraisal of your automobile. They will make an offer based on their inspection of your vehicle. Once you have agreed to the terms and signed the contract, they will issue you a check or transfer the money to your bank account.
Lending companies should give you a copy of the contract containing all the necessary information about the title loan. Details should include the loan duration and amount, interest rate, penalties and additional fees.
There are things you need to make sure you’ve read and understood before signing the contract –
Read the fine print!
Calculation of the interest rate
For instance, a 3% interest rate may seem good until you read on and see that it’s 3% per month, which is equivalent to 36% per year. Also, you should keep in mind that because car title lenders are in a different category than credit card companies or banks, they are not subject to usury laws, which means they are able to charge much higher interest.
Penalties for late payments or no payments at all
Could one late payment cause your car to be taken away? Are additional fees assessed for late payments or does the loan’s interest rate increase?
Are you required to go through mediation, or can you take the loan company to court if it becomes necessary at some point?
The answer is yes, you can, though you may need to pay a prepayment penalty if you decide to settle the loan ahead of time. However, it’s still a case-to-case basis, because some lending companies don’t charge an additional fee for early payments. Again, It’s all in the fine print, so make sure that you read and understand the terms before signing the agreement. If there are any areas that are not clear to you, do not hesitate to have them clarified with the lending company.
Getting an auto title loan is easy, fast and convenient. If you need money right away, this type of loan will definitely work to your advantage and it doesn’t even require credit checks, so you can qualify with no problem.
The most obvious risk with car title loans is, of course, losing your car. More so, they may come at a high-interest rate, so make sure to take time in comparison-shopping.
If you fail to pay on time, the loan can default and the lending company will assume full ownership of your car.
However, you can still try to negotiate with your lending company if you think you can’t pay on time. They can make some compromise and lengthen the duration of your loan, but of course, for a higher interest rate. Others may recommend to rollover the balance to a new loan, but that will mean a new set of processing costs, administrative fees and possibly, a higher interest rate as well.
Remember, lenders are more keen on getting their money back than acquiring your car and selling it, there for they are usually willing to sit down and discuss different options with you.
As with any type of loan, it’s important to evaluate the alternatives you may have for acquiring the amount of money you need. Compare the interest rates and penalties of other loan options that may be available to you, such as:
If you need money in a pinch, make sure you compare the rate on your credit cards with that of a car title loan. If your credit card doesn’t have a high enough limit to cover the money you need, call your credit card company and ask for a higher limit. Make sure to compare the rate, which should be lower than borrowing with an auto title loan.
Emergency work loans
Your company may have an emergency loan program available to help employees with short-term financial binds. Programs vary from employer to employer, but the loan may be interest-free or have a low-interest rate set by your employer.
If you are about to borrow money because of an emergency situation, such as needing money to pay your utility bill or rent, see if the payee (your utility company or landlord) will give you a payment extension. A 30-day payment extension on your utility bill or a five-day extension on your rent could save you from spending hefty interest on a car title loan.
Although payday loans can also charge very high-interest rates, you won’t end up losing your car if you break your contract through late or non-payment.
Personal loan from your bank
Banks usually offer personal loans with lower interest rates compared to car title loans, but might not be better than your credit card rates. The benefit of a personal loan with a bank is that you can pay it back in a set time frame because there are a set number of months in which you have to pay back your loan.
Auto title loans are a good way to get money when you need it on the double, but they’re not the only way. If you need a fast injection of cash, do your research, look for other options, such as credit cards, friends and family, personal loans, payment extensions, payday loans, workplace emergency loans and selling items you no longer need or use.
Complete an application form
Payday loans no credit check? With title loans credit checks are less important. You can complete our online application form quickly and easily, without even undergoing a credit check. In contrast to traditional loan checks, we check how you will pay back your car title loan, rather than focusing on your credit history.
You will be required to prove two things when applying for a title loan:
1. That you have an income – full-time employment is not always a requirement. Some title loan lenders will provide loans to people on disability or those who are unemployed.
2. That you own your vehicle – title loan lenders cannot loan to individuals who are still making payments on their vehicle.
Speak with us
Speak to one of our representatives
Once you have completed your online application form for a title loan, one of our representatives will be in touch to finalize the details of your loan. They can provide answers to any additional questions you may have before completing the application. All of the loan paperwork will be made available online, including details on repaying your loan, late fees and interest. You won’t even have to leave your home or use a fax machine to complete these forms and obtain an online title loan!
Provide the vehicle title
After the application process is complete, the representative will arrange for a messenger to meet you, take pictures of your vehicle and collect the original vehicle title. This can all take place at your own home. You will not be required to give up your car at all while repaying the loan and will be able to continue driving it throughout.
Once your application has been processed and the lender has received the car title, the agreed funds will be directly deposited into your bank account. The loan amount will be based on the value of your vehicle. The process can be completed within a couple of days, depending on how quickly a messenger can meet with you to photograph the vehicle and obtain the car title.
Thanks to the convenience of online title loans, you can have the cash you need in less than two days without setting foot outside your front door. You will normally be expected to pay back your auto title loan to coincide with your next payday. However, the exact conditions will depend on the amount of the loan and the frequency of your pay checks. You will be given your personalized repayment schedule prior to signing the agreement.
Title loans can be an effective and affordable way of obtaining short-term funds. Because they require a vehicle as collateral, the loan amounts can be larger than those of payday loans, with much lower interest rates.
Whether you need money to pay emergency medical bills or home repairs or simply need to pay some bills quickly, an online title loan could be the ideal solution. If you have a regular source of income and own your own vehicle outright – even if you have bad credit – you could qualify for a title loan and could have the funds in your account within a couple of days.
Complete our online application form or contact our toll-free number to see if you are eligible for a title loan today!