Title Loans Graham Texas
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Title Loans in Graham, Texas

Let’s Get To Know More About Title Loans in Graham

What is a title loan? A title loan is a loan secured by the value of the car. For the lender to offer the loan, the borrower must turn over the title to the car which the loan is being taken against. When the borrower pays back the loan, the lender returns the title. When it comes to title loans Fort Worth and Graham residents need to know more.

Lenders in Texas offer title loans to anyone who owns a vehicle with a clear title, as long as that person is 18 years old or older. There is no credit check involved. The borrower doesn’t need to show proof of income. There is no fee for applying. All it takes is a simple online form, a quick phone call and a visit to sign the paperwork.

What Information Do You Need for Title Loans in Graham?

Since a title loan depends on the fair market value of the car, the primary information needed is about the vehicle itself:

  • Year (1999, 2005, 2014)
  • Make (Dodge, Chevy, Honda, Toyota)
  • Model (Sentra, F150, Mirage, Dart)
  • Style (LS, LT, AMB)
  • Mileage (20500, 46971, 95872)

This information allows the lender to calculate the amount they can offer for the loan.

In addition to the car information, you will also need to provide some identifying information for yourself:

  • Full Name, to start the application
  • Email Address, to receive loan documentation
  • Phone Number, to receive a call from a loan representative
  • Zip Code, to get an accurate quote for market value in your area

Both the car information and the identifying information take a few seconds to put in. Then, hit the submit button. Within just a few seconds, you will receive a quote for how much the lender is willing to let you borrow against the car.

A loan representative will give you a call to talk over the loan application and to get a few more questions answered. Now, feel free to ask any questions you have to make sure you are comfortable. We are happy to give you any title loan help you need.

If you are ready to get the cash you need, just drive into our office to sign the paperwork. Once you do that, you can drive away in your own car with cash in hand.

What are the Laws About Title Loans in Texas?

The state of Texas has setup laws to regulate how title loans work for the state’s residents. Here are the highlights:

  • All lenders of title loans must be licensed in the state.
  • All borrowers must be 18 years or older.
  • The maximum amount of interest a lender can charge is 10%.
  • There is no cap on the amount a lender can offer to a borrower.
  • All loans must be resolved within 180 days of the loan origination.

Most lenders offer an initial loan term of 30 days. So, a borrower would have 30 days to pay back the money. However, if the borrower cannot make that 30 day period, the loan can be extended another 30 days. This renewal can happen for a total of 5 times, which would push the loan to the 180 day mark.

Here at Loan Cheetah, we want you to be comfortable with the entire loan process. That is why we will work with you to come up with the best repayment plan. We offer rates competitive with other title loan lenders in the area. We offer convenient locations so you can come into our office to finish the paperwork process. That is how title loans in Graham work.

What Are Title Loans?

What Are Title Loans?

Title loans allow you to use your car's title to secure a loan quickly. Unlike selling your car, you're only temporarily loaning out the equity in exchange for immediate funds while retaining possession of your vehicle.

Loan Cheetah ensures you keep your wheels while accessing the cash you need urgent

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Bad Credit, No Credit Loans

Bad Credit, No Credit Loans?

How do bad credit or no credit loans, commonly known as title loans, differ from traditional loans regarding credit scoring?

Bad credit or no credit loans, also known as title loans, operate differently from traditional loans in terms of credit score requirements. In traditional lending, your credit score plays a significant role in determining loan approval and terms. However, with title loans offered by Loan Cheetah, the loan value is primarily determined by the value of your vehicle rather than your credit score. This means that even if you have imperfect credit, nonexistent credit, or bankruptcy on file, you may still be eligible for a title loan based on the value of your vehicle. Therefore, while your credit score may have limited or no influence, the value of your vehicle serves as the primary factor in securing the loan.

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Quality Title Loans

Quality Title Loans

Loan Cheetah prioritizes not only speed but also the quality of your loan. We secure your loan quickly while offering competitive interest rates, higher cash payouts, and flexible repayment plans with terms you can rely on.

Loan Cheetah Gets You Title Loans Faster

Loan Cheetah Gets You Title Loans Faster

Loan Cheetah delivers top-rated title loans in half the time it takes other lenders to process paperwork. Faster access to funds means getting back to your life sooner. Our commitment to speed and efficiency ensures your peace of mind while addressing your financial needs.

It's Time to Get a Running Start on Your Title Loans

It's Time to Get a Running Start on Your Title Loans

Loan Cheetah provides speed and accuracy, offering lower interest rates, higher cash payouts, and reduced processing time. Stop waiting for your finances to magically improve and take action with Loan Cheetah today.

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Title Loan Disclosure

This is a solicitation for a loan. This is not a guaranteed offer and requires a complete and approved application. Title- secured loan amounts are subject to vehicle evaluation. Results and actual amounts may vary. Certain limitations may apply.

Personal Loan Disclosure

This is a solicitation for a loan. This is not a guaranteed offer and requires a complete and approved application. Title- secured loan amounts are subject to vehicle evaluation. Results and actual amounts may vary. Certain limitations may apply.

FAQ's about Car Title Loans

A car title loan allows you to borrow money using the title of your vehicle as collateral. You temporarily surrender the title to the lender and get it back once the loan is repaid.

The amount of cash you can receive for your car title loan depends on factors such as the value of your vehicle, your income, and state regulations. At LoanCheetah, we offer loans up to $10,000, depending on eligibility.

Yes, you can continue driving your car as usual while you have a title loan from LoanCheetah. We understand the importance of transportation, so you can keep your vehicle throughout the loan term.

To apply for a car title loan, you typically need to provide a government-issued ID, the title to your vehicle, and proof of income. Additional documents may be required based on state regulations and lender policies.

Yes, LoanCheetah accepts most credit types, including bad credit. Unlike traditional lenders who focus solely on credit scores, we use the value of your vehicle to determine loan eligibility.

With LoanCheetah, you can get approved for a car title loan quickly, often in as little as 30 minutes. Once approved, you may receive cash the same day, providing fast access to the funds you need.

If you’re unable to repay your car title loan, contact LoanCheetah immediately to discuss your options. Depending on the situation, we may be able to offer a repayment plan or other solutions to help you avoid default.

Yes, LoanCheetah offers refinancing options for existing car title loans. We may be able to pay off your current loan with another lender and provide you with a new loan at a competitive rate.

No, LoanCheetah does not charge penalties for early repayment of car title loans. You can pay off your loan ahead of schedule without incurring any additional fees.

If you default on your car title loan, the lender may repossess your vehicle to recover the outstanding balance. However, LoanCheetah works with customers to find alternative solutions and avoid repossession whenever possible.