Title Loans in New Jersey
- Do you need money right away?
- Are you worried about your credit?
- Do you own your own car?
- Then we can help!
What Are Title Loans New Jersey?
Running out of money before payday is frightening for anyone, but it’s especially terrifying for someone who doesn’t have the best credit history. While someone with good credit and a good job can simply borrow the money they need, people with poor credit have few options. They may face disaster in the form of losing their utilities, having a car repossessed or being evicted.
That’s why we at Platinum Lending, LTD, are here. We offer title loans to people who have less-than-perfect credit. We say yes when everyone else is saying no. We can get you the money you need the same day you apply and we can do it without running your credit! That’s right! To get title loans in New Jersey, you don’t have to have your credit report pulled.
Instead of using your credit to secure your loan, we take the title to a car you own and hold it until you pay your loan back. Essentially, we use your car title as collateral.
How to Apply for Title Loans New Jersey
To qualify for a title loan with Platinum Lending, LTD, you need to have a lien-free car title in your own name. What does this mean? It means you must own a vehicle outright. You can’t owe any money on it and no business entity can have a lien against your car. A lien is when a business that you owe money to legally files for interest in your vehicle, which prevents you from selling it.
In addition to the title, we’ll ask for a few extra pieces of information. These are:
- driver’s license or other government-issued photo ID
- proof of address
- proof of income
- proof of vehicle registration
Not working? Don’t worry! Platinum Lending can approve title loans in New Jersey for people who don’t currently have jobs, as long as they have some form of verifiable income. This can be retirement income, disability payments, child support payments or alimony.
You can start your application for NJ title loans right here on our website. Just tell us a bit about the car your own and give us your contact information. We’ll instantly send you a quote for how much money your car qualifies you for. Then, one of our friendly, professional lenders will get in touch to walk you through the rest of the application.
Are Auto Loans Legal in New Jersey?
Each state regulates its own loan laws. The New Jersey government has outlawed the operation of vehicle title lenders in its state. But don’t worry; this doesn’t prevent you from getting a loan against your car title if you’re a New Jersey resident. Platinum Lending has many convenient locations in neighboring Delaware and Pennsylvania that are happy to assist you with getting the money you need!
We Can Help You
Wilmington title loans and in the surrounding areas can get you the money you need without checking your credit and without requiring a secure job history. We help people who are down on their luck and need a second chance. We can loan you much more money than you can hope to get from a payday lender, and we don’t require you to surrender your vehicle. We aren’t like a pawn shop, which takes possession of your valuable things until you can pay your loan off. We let you keep your car and use it as you normally would. We just hold the title, which we’ll return as soon as you make all of your payments.
Are you curious about how much money you qualify for? Get in touch today and find out!