Auto Title Loans in St. Bernard, OH
When you work hard for your paycheck, it can be frustrating to realize you didn’t make enough to cover your bills. In those situations, there is an easy option to get the extra money you need. Title loans in St. Bernard are approved very fast, which means you won’t worry about missing a payment or paying a bill late.
What are St. Bernard Title Loans?
Title loans in St. Bernard are personal loans from an alternative lender. While traditional lenders require you to have great credit to get a loan, Platinum Lending will lend you money with bad credit or a bankruptcy on your record. We require you to be at least 18, have an income so you can make loan payments and have a car for collateral. Whatever vehicle you pledge needs a clear title, and you must actually own the vehicle.
Applying for Car Title Loans St. Bernard
Applying for auto equity loans is a simple as providing your name, contact information and a few details about your vehicle, such as the make, model and mileage. Because we don’t want you to wait any longer than necessary to get the money you need, we give you an instant loan estimate as soon as you get the application to us. Then, when you’re ready, we start loan processing, which also happens quickly. Within one day, you can potentially apply for car title loans in Cincinnati and St. Bernard, and collect the loan money.
Loan interest rates are capped at 30 percent. In the loan agreement borrowers must sign, the lender must include all interest and other charges, details of the loan and consequences of a loan default. Borrowers are given advanced notice before their vehicle is repossessed or sold for non-payment of a title loan.
Money could be in your hands in just a few hours when you apply for title loans in St. Bernard. Most borrowers have the cash the same day their application is received. One way we keep things moving is by basing loans on collateral. By using the equity in your car, you can get a higher loan amount, and there’s no reason to look through your credit report for anything negative. Your credit score has no impact on you getting a title loan, which means bad credit won’t block you from getting cash.
Title loans in St. Bernard. come with built-in payment flexibility. If you can make all the payments during the established loan term, take to a loan rep about renewing the loan. With a renewal, you get more time to pay back the loan. While you’re making payments, you won’t be stressed about finding transportation to get around because we let you keep the car.
How Title Loans are Different
Car title loans are based on the equity in your car, truck or motorcycle used as loan collateral, which means you’ll get a higher loan amount than with payday loans and cash advances. Those lending options are based on how much you make each week. And, while those loans are due when you get your next paycheck, title loan terms are usually a month or longer and can be rolled over if you need more time to pay.
Is Your Title Clear?
You need a clear title to get an auto title loan. That just means your name is on the title, and you are the only owner of the vehicle. If there was another owner, a bank for instance, the title would not be clear. The Ohio County Clerk of Courts Title Office can give you a duplicate title certificate if you don’t have an original copy.