Title Loans Oak Ridge, Tennessee
You need cash. And you need it in a hurry. No doubt that's why you're visiting the Loan Cheetah website today. For you then, it's not so much a question of possibly needing to get a loan, but rather what kind of loan. Fortunately for you, we have a number of different loan types, one of which is bound to be right for you and your circumstances.
Loan Cheetah offers you title loans in Knoxville/ Oak Ridge as well as flex loans. Here's a quick rundown of the difference between the two.
Title loans in Oak Ridge require collateral or loan security. For these purposes, you'll use your truck, motorcycle, or car as the security for your loan.
Because you are offering Loan Cheetah collateral, we really don't need to know about your credit. This is one of the main reasons people look for an auto title loan online. They're fast and pretty simple to get, too.
A flex loan, on the other hand, doesn't require collateral. And it's more like an open-ended line of credit much like a credit card is. Your credit isn't an issue for this type of loan, either, although we do require that you have a verifiable and steady income.
This type of loan works well for people who want to have a line of credit for a small business or who hope to build their credit score back up without tying up their car's title in the process.
Title Loans Oak Ridge: How Our Application Works
Our title loans are designed with you and your busy life in mind. While you will eventually have to stop by our store to sign some loan paperwork and to pick up your money, that isn't something you need to worry about just yet. The majority of the process takes place online and over the phone, allowing you to deal with the loan process at your leisure.
Here's what we need for this portion:
- Your name
- Your zip code
- Your phone number
- Your vehicle's model
- Your vehicle's mileage
- Your vehicle's manufacture year
You'll use our online application interface to submit this to us. After a couple of minutes, you should receive a loan quote from the local Loan Cheetah office. The estimate, which we prepare based on the information you give us about your car, represents the amount of money you qualify for.
Given the fact that we have several different type of loan options available, you may still have some questions. Please jot those down and be ready to chat with your loan rep about them when he/ she calls.
This is your opportunity to chat with someone in our office about your title loan or to figure out if a flex loan might be better for your circumstances. This rep can also tell you when to come in and collect your money.
Title Loans Oak Ridge: Borrower Concerns and Protections
Many people who've never borrowed money in this way may have some concerns or even a bit of nervousness. If you count yourself among these folks, you'll be glad to know that you are protected every step of the way. Title-loan lenders like us must submit to some pretty strict guidelines on both the state level and on the national one. The purpose of these regulations is to give us guidance and you protection through the process.
You'll get a contract from us stating all of this. You'll also find this sort of info in your paperwork as well:
- How much money you've borrowed
- How long you have to pay on your loan until you're paid off
- Your loan's interest rate
- Your payoff date
Why Borrow From Us? Here's a Quick Recap
- We have several types of loans. Ask us about either a title loan or a flex loan.
- You don't need great credit to be considered. That said, getting a line of credit or a loan from us could dramatically increase your credit score over time.
- Fill out our application online. Only visit us when you need to pick up your loan money.
- You are safeguarded by the law.
Doesn't that sound easy? It is! Please consider applying today! We're here to help you.