Title Loans in Ponca City, OK
How does a weekend getaway sound or a spur-of-the-moment shopping spree? Maybe you want to get tickets to that big game or enjoy a romantic dinner at a fancy restaurant. All of those ideas sound great. Too bad you don’t have the cash to make it happen. Of course, you could have the money if you apply for title loans in Ponca City.
How to Apply for Ponca City Title Loans?
Title loans in Ponca City are simple loans for people who don’t want to go through the hassle of applying for a traditional loan. You get to skip that lengthy paperwork and processing when you use your car as collateral. Get things started by using our handy online loan estimator tool to see how much money you’re eligible to get. Just put in the make, model, year and mileage of your vehicle. Click the “next” button, and type in your name and contact details. That’s all it takes for you to receive an immediate car title loan estimate. After that, expect us to call about completing your auto title loan application.
The full application and processing is also fast and simple. All we need is your driver’s license, some mail to prove where you live and the original vehicle title to your car. We also need to see proof of your income. This can be a pay stub, or if you don’t work, some document showing another form of income, such as disability benefits. What we don’t need is your credit report. That’s right. There is no credit check when you get vehicle title loans with Platinum Lending. Our loans are awarded based on the value of your vehicle, so we don’t need to know what type of credit you have.
Legal Info for Title Loans Ponca City
Laws governing the title loan industry vary by state. In Oklahoma, title lenders are not allowed to operate within state borders, but that doesn’t mean we can’t loan you money. Platinum Lending awards money to people like you every day in surrounding states, including Kansas, New Mexico and Texas.
Kansas also bans title lending, but they do allow us to offer open ended credit, and there is no limit on loan amounts. Auto title lending is legal in New Mexico and Texas, but New Mexico limits loans to $2,500. Texas has no loan cap.
- Easy applications and processing
- No credit check
- You get to keep driving the car while paying back the loan
Differences in Fast Money Loans
Title loans in Ponca City aren’t the only option when it comes to fast money lending. Other options include payday loans, cash advances and personal loans. Of all your options, car title loans tend to have the lowest interest rates, and you can get more money by going with a title loan.
Using Clear Car Titles
The vehicle you put up for title loans in Ponca City collateral must have a clear title, and the title must be in your name, if you’re the borrower. A clear title simply means you own the car and that no other person or business has a lien on the vehicle. If there is a lien, it means someone else has a financial interest in your car because you owe a debt on it.
Not sure if there’s a lien on your vehicle? Just check with the Oklahoma Department of Motor Vehicles to find out, and if you don’t have a title certificate, just head to the local DMV. Show your driver’s license and vehicle registration to get a new title. Then, you should be ready to apply for Ponca City and Stillwater title loans.