Title Loans in Titusville, Florida
Most banks require you to have a credit score of 650 or more to even consider your application for a personal loan. We understand that credit scores can ruin an individual’s chances at getting an affordable loan, and because of that, our title loan lenders do not necessarily check your credit. All credit scores are welcome when inquiring about obtaining a title loan in Titusville, or Orlando. The only requirement you must meet is that you have a vehicle which you fully own. You also have to be 18 years old or older to apply. To get more information about title loans, submit a free application with us today!
Easily Accessible Application
Title loan Titusville applications are available to you online, or over the phone. Our agents are available 7 days a week for your convenience. Your role is to provide us information about your vehicle, such as the make, year, model, style and mileage. Then, you will receive a title loan estimate directly from our highly-skilled loan representatives. They will also have a lender who will offer you a loan available when they call you. You will get the loan the same day you visit the lender, shortly after you sign the contract!
Paperwork required from you:
- Photo ID. Valid government-issued identification such as a Driver’s License, State ID, Passport
- Florida registration or vehicle title.
- Proof of residence. Utility bills will suffice.
- Proof of income. Recent pay stubs, unless you are unemployed or self-employed, you can then provide bank statements. You may also ask your loan representative about appropriate paperwork to bring in this case.
You will need to bring the vehicle at the location as well. A quick inspection is the sole purpose of the vehicle being at the site. Your lender will evaluate the condition of your vehicle and give you a final loan amount at this time. You may get up to $25,000 for a loan.
Interest Rates for Title Loans
The interest rates are defined by the Truth in Lending Act and Board of Governors of the Federal Reserve System. The Titusville title loan lender will base the interest rates of your payments off of this guide. You will only be charged additional fees if the payment you submit is rejected. You are allowed to make early payments; if you pay the loan off before the maturity date you will get your vehicle title back at that time.
Title Loan Renewals and Refinancing Options
Florida title loan lenders operating in the state are not allowed to renew your loan. However, you do have the option of refinancing your existing loan with one of our trusted title loan lenders. Our lenders will be able to offer you more affordable rates, and lower interest on your current plan. They may even choose to pay off the existing loan off, and offer you a brand new contract with lower rates and low monthly payments. You can speak to your loan representative or title loan lender about your refinancing option under their policies.
If you miss any payments, your lender may declare that you defaulted the loan. When the loan is defaulted, vehicle repossession may be inevitable. They do have to inform you of the reason for repossession and allow you to gather any personal belongings from your vehicle. They may not use force or violence, or disturb the peace in any way to obtain the vehicle. You can contact your local police department if they disrupt the peace and use illegal action to get your car.