Title Loans in Brenham
If you've had debt piling up on your table, the only way you can truly address it is to change your spending habits and start budgeting. While it's ultimately up to you to make the change, you can address debt in the short-term through easy loans including auto title loans Irving. Using a loan to pay down other loans or bills may not always be the wisest way to go about it, but if you're looking to pay down all your debts and going through a little financial difficulties while doing so, an auto title loan offers a recourse if you don't qualify for other loans.
Most loans, including regular short-term small dollar loans are dependent on your credit score in order to be approved because they're unsecured. This means the lender is lending them to you simply on your promise to repay them, so they'll need to know you're not a big risk to lend to. But with auto title loans, they are secured by using your vehicle as collateral, and based on the value of your vehicle you can usually take out a loan of anywhere from a few hundred to a few thousand dollars. The lender usually doesn't ask what you plan to use an auto title loan for, but you do have to agree to the repayment dates and make sure it is repaid on time.
Things To Know About Title Loans In Brenham, Texas
Even though car title loans do pledge your vehicle as collateral, the lender only needs your title and you can keep driving your vehicle to work, school or for personal errands while its under a title loan lien. You will have to have other liens removed from your title before you can take out loan with it, which means you'll have to have paid off any outstanding balances on vehicle financing, and if your vehicle has been paid off you'll need to go the nearest DMV agency to have the liens removed. You also do not need to disclose what you plan to use pawn loans for cars, because the lender mostly only cares about being repaid. However, it is recommended that you show proof of income while applying for title loans in Brenham.
Apply With Us For Title Loans In Brenham, Texas
We've made title loans in Brenham, Texas a little easier to apply for by having an online application to start with. This online application will only give you a quote for your loan and have you matched up with a title loan agency in the greater Irving area near you, but it will save a lot of time you might otherwise spend at the agency's store getting more paperwork completed. There are four main things you need to know about your vehicle to get an accurate quote:
When you go to the title loan agency store, your vehicle will be inspected to make sure it accurately matches the information you filled out in your online application. But in addition to signing documents with your payment terms, you'll also need to prove that you're 18 or older, reside in Texas and completely own your vehicle. To do that, you'll need to have these items handy:
- A government-issued photo ID such as a driver's license or residency card
- Your vehicle title certified by the state of Texas
- One other document such as a bank statement, vehicle insurance statement, paycheck stub or other to prove income and verify your physical address