Cover Your Cash Needs with Title Loans Richmond
Unexpected bills and expenses seem to arrive when you are in the worst position to pay them. Maybe your car broke down and you have to get it repaired. Or the kids got sick and you have a lot of out of pocket expenses to cover. No matter the reason, you can get cash quick and easy with a title loan.
The best part about title loans in Richmond? You don't need perfect credit or a lot of collateral to get the money. All you need is a working vehicle, the title to it and personal identification. With that, you can get the cash in hand to pay those unexpected bills and expenses.
How Easy Is It to Apply for Title Loans Richmond ?
We want to make it as easy as possible for you to get a title loan. You can use our easy online form to get the process started. With some basic information, we can give you a loan estimate. We will also have one of our loan experts call you to answer any questions you might have.
To get started you will need the following information:
- Make, model and year of car
- How many miles it has on it
- Your name, zip code and phone number
This information will only take a few moments to enter. Then, we take that information and process it. The result is an estimated loan amount we are ready to offer you. We will also get you in touch with one of the loan reps to go over the application and to answer any questions.
To proceed and get title loan in Rosenberg, you will need to bring the vehicle and title into our office. We will verify the vehicle matches the title and that the car is in running order. If everything checks out, you will get the loan you need. All we do is keep the title as collateral. It's as simple as that.
Title Loans in Texas
The state of Texas has laws in place to protect both the lender and the borrower when it comes to title loans. It is important to know about these laws before you take out title loans in Richmond.
Texas law puts no limit on the amount of money you can borrow against a car title. That means you can borrow up to the full amount that we offer. You can also borrow a lesser amount if that suits your needs better.
Texas does limit the amount of interest that a lender can charge against a title loan. The limit is 10% of the loan amount.
Texas requires that title loans be paid within 6 months. Most title loan lenders do a 30-day loan with the option of renewing it up to 5 times. So you take out the loan today, but don't have the funds to pay it back in 30 days. The lender can renew the loan for another 30 day period. That can keep occurring until the 6 month mark. At that time, you either pay the loan off, or the lender can sell the car to pay it off.
The Benefits of Taking a Title Loan
Those that use title loans to get the money they enjoy certain benefits:
- No credit check required
- Nothing but the car title as collateral
- Flexible repayment terms
- Quick approval
- Quick money
- No early payment fees
- You get to keep and drive your car when the loan is active
- You can even get title loans for rebuilt cars
Get a title loan today and get those unexpected expenses taken care of.