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Why Auto Title Loans In Mercedes, TX Are Easier To Qualify For Than Regular Loans

There is always a way you can find money without having to sacrifice too much or worry about being judged for asking for it. It used to be that applying for a credit card or even just visiting your local bank to take out a personal loan was as easy as 1-2-3, but because of the 2008 banking crisis and the steps the federal government took in the years after, bank loans have become much more difficult for regular people to apply for. But for Mercedes, TX residents, there are better loans known as auto title loans which have a simple qualification process and can meet customer needs so much better than most big banks.

Our auto title loans in Mercedes, TX are not run by the big banks or traditional institutions that work for the government and place hidden obstacles in their doorways. Instead, our lenders are independent and have designed their services to benefit people who do not qualify for loans whether it's because of their income, bad credit score or simply not knowing the right people. If you live in Mercedes or the surrounding Brownsville neighborhoods and own a vehicle, chances are you meet our requirements for title loans.

Auto Title Loans In Mercedes, TX Are Already Secured By Your Vehicle

Secured loans are often the best recourse for those who have bad credit or bankruptcies on their credit profile because these loans have an asset that's used to secure the loan and lower the risk to the lender. Auto title loans in Mercedes, TX are based on a vehicle's appraised value, and usually the loan amount is only up to half of that value in order to make sure the lender doesn't lose money in case the borrower falls behind on payments. What's great about auto title loans is you don't have to put down an initial payment or hand your vehicle and keys over to the lender because your title is the collateral they use.

Auto Title Loans In Mercedes, TX Usually Last About 30 Days

Auto title loans are never meant to be ongoing loans such as mortgages or federal student loans, but they can be a little easier to pay back than some other short-term loans. For example, other short-term loans like payday loans only give you about 2 weeks at the most to pay them back, and they usually have little flexibility if your paycheck they're looking for doesn't cover that loan or doesn't arrive. Brownsville auto title loans usually last about 30 days giving you a little more time to have your payments ready and plan out how to repay them. Even if you don't have an auto title loan completely paid off in 30 days, there are usually other options you can look into such as restructuring the loan or selling your vehicle if necessary.

How To Start Our Online Application For Auto Title Loans

It's really quite simple to get started applying for auto title loans. You'll need to supply us your email or phone number so we can contact you as well as the following information about your vehicle:

  • Make
  • Model
  • Year
  • Mileage

If your vehicle title is clear of all liens and your vehicle is driveable, you'll get a quote for your title loan and be directed to the nearest auto title loan store. Your vehicle will be inspected at the store to make sure it's good enough to get a loan, and while that's taking place, you should be ready to present a government photo ID along with the title that has your name on it and reflects the following:

  • You are 18 or older
  • You're a permanent Texas resident

Once all the paperwork and verification has taken place, you should receive your loan funds in either cash or deposited in your checking account within 24 hours.

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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. Personal loan amounts are subject to consumer report data evaluation. Results and actual amounts may vary. Certain limitations may apply.

Click here for Texas Consumer Disclosures

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