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Title Loans in Muscle Shoals, Alabama from Loan Cheetah

What is your plan if someone unexpected happens that hits your bank account? If you are like many people, you have no plan. Some people are just not planners, while many other want to have a plan but don’t have the resources. Shockingly, about 27 percent of people have no savings, while about 50 percent of people only have a small savings. In other words, if something happens that costs you money, most likely you won’t be able to pay. So, you run through your options and choose the one that you think works best. One that you may not have considered is a title loan. While they are easy and convenient, title loans in Muscle Shoals are an underused resource for people who need money fast.

Title Loans Muscle Shoals

So, when considering title loans in Muscle Shoals from Loan Cheetah, you first need to understand them. A title loan is a personal loan you get by using your personal property as collateral. In this case, the property is your vehicle. Because you are putting something up as security, Loan Cheetah is willing to loan you money. The security eliminates the need to run a credit check, which is good news for anyone whose credit score is considered subprime.

Title Loans Muscle Shoals Application

Alabama requires applicants for car title loans online to be at least 19 years old. Applicants must own the vehicle they plan to use as loan security, and the vehicle must have a lien-free title. Loan Cheetah also offers rebuilt car title loans for people with a title that was rebuilt after the vehicle was totaled and repaired. Online applications ask for your name and contact information, as well as the year, make, model, style and mileage of the vehicle. With that information submitted, applicants get an instant auto title loan quote. Then, one of our agents contacts the applicant to get a little more information, such as their source of income and the condition of the car. During the phone call, we also set a payment plan and decide when and where the applicant picks up the money.

Legal Information

Title loan clients must be at least 19 and have a clear title. They can use a clear rebuilt title. Loans must be at least 10 days and no more than 31 days, but loans may be rolled over. Lenders must abide by the right to cure, which means they must give 30 days notice to borrowers before repossessing their vehicle due to a delinquent account. There are no maximum loan limits in Alabama.


  • Title loans in Florence and Muscle Shoals are convenient because you can complete the application from your computer at home. You can stay home for follow-up phone call to finalize loan details. In fact, you can even stay home and collect the money because Loan Cheetah offers the option of direct deposit.
  • Title loans are among the easiest ways to get money because they are not based on your credit history. Let’s face it, the lower your credit score, the harder it is to get a loan. Lenders want more documentation and more proof that you can and will pay the money back. Then, it’s not guaranteed you will get the loan. With title loans, everything is based on you owning a car that you put up as security and you having some type of income to pay back the loan. It’s a fair system because everyone is treated the same, and most people are approved.
  • Title loans are fast. We like to say that most loans are processed in about 24 hours, but many times it takes even less time than that to get money in your hands.
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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.

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