Loan rates and terms

Title Loans are a type of quick short-term financing of up to $10,000 cash advance. They are secured by a borrower’s vehicle title as collateral and are highly available even for bad credit applicants. Repayment terms vary within a month. Most Charlotte residents can expect same day funding once they get approved. 

How can I apply and get a title loan online?

Now, getting a Title Loan online is quite easy as you don't have to meet a lot of eligibility criteria and go through a credit check. Below you can learn a few simple steps:

  1. Application. First of all, study the various loan offers in your state of residence and choose the one that has the best interest rates and loan terms. Next, you will need to visit the website of the selected lender and fill out a simple and convenient online application. You will need to provide details about yourself and your vehicle.
  2. Approval. If you apply entirely online, you won't have to travel to the lender's shop to have a physical inspection of the car. Instead, you will need to provide recent photographs of the vehicle so that the lender can assess its condition.
  3. Financing. After you receive approval, you will need to carefully review the contract. If you are satisfied with the terms of the loan, sign it and receive financing directly to your bank account within one business day.

How to qualify for a title loan in Charlotte, NC?

Loans are available for any resident of over 18 who can provide the following information:

  • A clear car title
  • A proof of income
  • A Government-issued ID
  • Active bank account
  • Valid contact information

How to get instant guaranteed approval for a Title Loan in Charlotte, NC?

Title Loans are the fastest way to get emergency financing for those who need money now and can provide a clear car title as collateral. Besides, they are very easy to apply for and get. Just consider all the benefits you can enjoy with Auto Title Loans:

Easy online application

Quick loan processing

No hard credit checks

Bad credit is not a problem

24/7 online service

Same day funding

Convenient repayment

Simple requirements

Are Title Loans available for bad credit? 

Yes, there’re a lot of lending companies in Charlotte and online who offer Title Loans to bad credit borrowers. They use a collateral to secure the loan and cut down on risks. That’s why credit check and perfect credit score are not the necessary requirement.

Which Title Loan Alternatives Can You Get in North Carolina?

At this point, there are several alternative options that borrowers can consider if they need additional financing. These include Personal Loans, Payday Loans, Pawnshop Loans and more. However, the easiest and fastest way to get money for your needs is the Payday Loan in Charlotte, NC. It can be received entirely online and must be paid within 14-21 days. Lenders have minimal eligibility criteria and do not request credit checks, so this loan is fairly easy to get.

FAQ

Can I get a title loan in South Carolina if I live in North Carolina?

First of all, it is important to note that Title Loans are legal in South Carolina, so it will not be difficult for you to apply for and receive funding for your needs. Moreover, there is currently no law that prohibits North Carolina residents from getting Title Loans in the South. It is also important to note that borrowers can now obtain a Title Loan entirely online without having to leave the state. But you should know that North Carolina has Statute 53-190, which states that out-of-state loans of $10,000 or less will not be enforced by North Carolina. 

Why choose an auto title loan over a traditional bank loan?

You probably know that banks and credit unions are notorious for their lengthy application approval process. You will have to meet a large number of eligibility criteria and have a good or excellent credit history in order to be eligible to apply. With a Title Loan, lenders approve your application within one to two days without checking your credit history.

Which type of vehicle is acceptable to the lenders for title loans in Charlotte of North Carolina?

One of the most frequently asked questions is what type of vehicle is suitable for getting a Title Loan. In fact, the borrower can apply for this loan with any category of vehicle (eg truck, RV, SUV, motorcycle, traditional car, etc.). You can use other assets, but more often than not, lenders will ask you to use your car as collateral for the Loan.

However, you should also note that you must have a free and clear auto title in order to receive a Title Loan. Thus, there should be no charges against your car. It is also worth noting that the age of the vehicle should also not exceed 10 years. In addition, you will need to provide the necessary documents for the car in accordance with the requirements of the selected lender.

Do I Need to Be Employed To Be Able To Apply For A Title Loan?

Of course, in order to receive a Title Loan, you must meet certain eligibility criteria of the selected lender. First of all, you need to provide documents for the car such as original vehicle title with solo ownership, current registration, government issued identification matching the name on the title, insurance proof and proof of residency matching the name on the title.

Also, in addition to this, you will need to be a US citizen or an official resident who is at least 18 years old, a social security number, an identity card, etc. Now you can get a loan even if you don't have a traditional source of income. You can provide alternative income options such as child support, under the table income, and more.

Can I Be in Retirement?

Even if you are a retiree, you can still apply for and receive a Title Loan. As long as you fully own your car and provide pension benefits as proof of income, getting financing won't be a problem for you.

What are the Terms of the Title Loan Repayment?

Since the Title Loan is short term, most often the repayment period is about one month, but in some cases the repayment period is about two weeks. However, you can still talk to your creditor to work out a debt repayment plan that is right for your situation.

Also remember that in addition to the principal debt, you will also need to pay the interest rate on the loan and additional commissions and payments.

What to do when you are unable to repay the title loan on time?

The Title Loan is a rather risky type of financing as it is secured. This means that if you fail to pay your debt with interest on time, you could lose your vehicle. The lender will be able to take it in order to consolidate the debt under the Loan.

Thus, make sure that you can actually pay off your debt on time before you apply for funding.

Title Loans Store Addresses in Charlotte, NC

Unfortunately, no Title Loans store addresses have been found. Try to apply for the necessary cash advance online.

Check for Title Loans in nearby cities

 

Title Loans Store Addresses in Charlotte, NC

Unfortunately, no Title Loans store addresses have been found. Try to apply for the necessary cash advance online.

Check for Title Loans in nearby cities