Title Loans in Childress, Texas
If you have poor credit, you probably think it’s impossible to get a loan. But what about loans that don’t require a credit check? Does such a thing exist?
Yes, they do! They’re called car title loans Childress. Vehicle title loans, sometimes referred to as car equity loans or pink slip loans, don’t involve a credit check at all. Instead, your loan is backed by collateral. If you default, the lender gets to keep your collateral. This is good for two reasons: one, you get access to credit when everyone else is turning you away; and, two, the lender is protected in case they lend money to someone who doesn’t intend to repay.
Here’s how title loans work. You present the title to a vehicle you own outright. It can be the title to a car, boat, RV or motorcycle. We’ll assess your vehicle and offer you a loan based on what your vehicle is worth. How much you borrow doesn’t depend on your job. If you like what you see, complete the application. When you sign the dotted line, we’ll give you your money and you’ll give us your title.
We’ll hold the title while you pay your loan back. If you refuse to make your payments and refuse to work with us, we have the legal right to take possession of your vehicle and sell it to pay off your account. We try very hard to make sure this never happens. We’re always here to help if you suddenly can’t make a payment.
How to Apply for a Childress Title Loans
Our application process for title loans Amarillo is short and simple. Start online by filling out our loan quote form. We need your vehicle information, including the make, model, age and mileage of the vehicle. Also, give us your name, phone number, email address and zip code.
We’ll use your car information to generate an accurate title loan quote. Then, we’ll use your contact information to give you a call to answer any questions you might have. When you’re ready to complete the full application, we’ll need this information:
- A copy of your photo I.D.
- The original car title
- Proof of your address
- Proof of your income
Proof of your address can be a copy of your lease or mortgage, or a utility bill. Proof of income can be pay stubs or bank statements. We accept all forms of income, including:
- Child support
- Rental income
Whatever your financial situation, we’ll work with you to get your title loan Childress approved. Once you sign your loan documents, we’ll give you your check in exchange for the title. When you pay your loan off, we’ll return the title to you.
Childress Title Loans Laws and Regulations
We’re proud to abide by Texas laws regarding title loans. To qualify for an auto title loans in Childress, you must be a legal U.S. citizen of at least 18. The title must be in your own name and it must be free of liens, meaning you can’t owe any money on it. If you’ve lost your car title, visit your local DMV to apply for a duplicate title, which costs $5.45. If someone else’s name is on the title with yours, then that person will have to apply for the loan with you or sign the title over to you completely.
Our Loans Can Help You
Title loans are a unique source of credit for people who are used to being turned down. We offer much more money that traditional payday loans and we’ll never hold your vehicle the way a pawnshop will.
Fill out our online loan quote form today and see how much we can lend you. Stop worrying about the credit mistakes you made in the past and start enjoying your future!