Title Loans Lamesa Texas
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Fast Facts about Title Loans in Lamesa

Here are some fun facts about title loans Lubbock and Lamesa residents need to know:

Did you know that you can get a title loan with bad credit? The loan is based on the value of the car, not on how good your credit score is.

Did you know that you can get a title loan in less than a day? In fact, many loans are completed within a few hours. Just fill out the online form, make a quick phone call and stop by to sign paperwork.

Did you know that you can use the money from a title loan for any purpose? Most traditional lenders want to know why you want the money. We don’t. You are welcome to talk with us and tell us what is going on, but there it is not mandatory.

Did you know that you can drive your car, even when the loan is active? That is a fact many car owners don’t know. The lender keeps your title as collateral, but you can use your car like you normally would.

Title Loans in Lamesa: How Easy Is It to Apply?

Applying for title loans could not be more easy. Fill out a quick form, take a phone call and sign some paperwork. The online form will ask for information on the car and some identifying information on you.

  • For the car: year, make, model, style and mileage
  • For you: name, zip code, phone number and email address

After you submit that information, you will get back a quote on how much the lender is willing to let you borrow. The quoted amount is based on the information you provided on the car and its fair market value.

You will receive a call from one of our loan reps. That person will talk over the loan details with you. You can ask questions and we are happy to answer them. When you want to get the loan, stop by one of our convenient locations to finish the paperwork. Just remember to bring your id and the title to the car. With those items, plus your signature, you can walk away with the cash you need.

Are Title Loans Secured or Unsecured?

This is a common question for borrowers. Unsecured loans have no collateral secured to the loan. Online signature loans and credit cards are examples of unsecured loans. If the borrower defaults, the lender has no fixed asset to repossess and sell to get the loan balance paid off.

A title loan is actually a secured loan. The car is what secures the loan. By turning over the title to the vehicle, the borrower is allowing the lender to secure the loan with the car. Now, when the loan is paid off, the lender will send the title back to the borrower immediately.

The Laws about Title Loans in Texas

Lenders and borrowers must follow the laws surrounding title loans in the state of Texas. For title loans in Lamesa, the following laws must be followed:

  • The borrower must be 18 years old or more.
  • The borrower must be the owner of the car.
  • The lender must be licensed in the state as a title loan provider.
  • The loan must be for a period of 180 days or less.
  • The lender cannot charge more than 10% interest.
  • There is no cap on the amount a lender can offer as a loan amount.
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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Begin with our simple application form, or call us.

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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.