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Title Loans in Wharton, Texas

A Few of the Benefits You Experience with Title Loans in Wharton

In relation to title loans Houston and Wharton residents get several benefits that they might not be aware of.

  • You retain ownership of your car and can drive it as usual, while you are working to pay off the loan.
  • There is far less paperwork to fill out when it comes to title loans versus other types of loans.
  • You can apply for and get this loan in less than a day. In fact, most borrowers walk away with cash in just a few hours.
  • You don't need to have perfect credit to qualify for a title loan. All you need is a clear title on a vehicle and a valid Texas ID.
  • You can use the money for any purpose you need it. That way, whether you want to take a vacation or need to cover a car repair, you get the cash you need when you need it, no questions asked.

These are just a few of the many benefits of using a title loan to meet your cash needs.

The Laws Surrounding Title Loans in Wharton and the State of Texas

Borrowers need to be aware of the laws surrounding title loans in the state of Texas. Those laws are there to protect them from predatory lending practices of the past. It also outlines the borrower's responsibilities.

  • You have to be 18 years or older to get a title loan. Basically, an adult.
  • You have to be the owner of the car you are getting a loan against. So, you can't borrow money against your Mom's car, though she can.
  • There is no legal limit on how much a person can borrow on a title loan. However, the lender will only offer so much based on the value of the car.
  • The state does limit the amount of interest a lender can charge though. The limit is 10%.
  • You must pay the loan back within 180 days or forfeit your vehicle. This is designed to prevent you from remaining in perpetual debt.

When you are ready to sign the paperwork, the loan specialist will give you a loan summary sheet that shows you the amount you are borrowing, the amount of interest being charged and the payment amounts. This information is critical for you to understand before signing.

Borrowers Wonder How Easy Is It to Qualify for a Title Loan

One of the benefits of title loans is definitely the ease of applying and qualifying for one. With title loans in Wharton applying takes just a couple of minutes on our web form. Just tell us a bit about the car and yourself:

  • Car: Year, make, model, style and mileage
  • You: Name, phone number, email address and zip code

Once we receive that information, we will give you back an instant quote for the amount we could lend you. That quote is based on the fair market value of your vehicle.

Now applying is not the only easy part of getting title loan relief. Getting your money is just as simple.

After you get your quote, you will get a call from one of our loan specialists. The specialist will go over the loan details with you and answer any questions you might have. With that done, just come into our offices to sign the paperwork and get your cash.

The entire process only takes a few hours from applying to the time you drive away with cash in hand. Are you ready to get relief for your cash crunch? Apply for a title loan right now.

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Ready to get started?

Begin with our simple application form, or call us.



This is a solicitation for a loan. This is not guaranteed offer and requires a complete and approved application. Title-secured loan amount subject to vehicle evaluation. Results and actual amounts may vary. Certain limitations apply.

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