Title Loans in Lufkin, TX
Getting a small loan for as little as your vehicle title is now possible with online title loans! Our certified lenders may even be able to guarantee some of our borrowers $1,340. The loan amount you receive is based on a couple of factors: the first factor is how much your car is worth in the market, and the second is your ability to repay your lender.In addition, credit score is not a factor in determining if you qualify. Since any type of credit is accepted, you do not have to worry about your current history and score. Apply now!
Applying Online or Over the Phone
When it comes to applying for a title loan in Nacogdochs or in the area of Lufkin, we give our borrowers two options, the first is by providing an online application on our website. Our easy to follow form will only need to ask you the basics about your vehicle such as the make, year, model, mileage, and style. You can also provide this same information over the phone. Our offices are open 7 days a week, so no matter when you apply, our loan representatives will be able to contact you within the next day. After you have submitted an application, you will receive a phone call from our offices shortly informing you of both the title loan estimate and a lender in your area. You may also be informed of the additional items you would need to provide to the lender when you go get your Lufkin title loan. This includes:
- Photo ID (Passport, Driver’s License, State ID)
- Proof of income (Recent bank statements and pay stubs)
- Vehicle title
If you do not have a copy of your vehicle title, you may obtain one at the following location:
More Information About Title Loans Lufkin
These are short-term loans that use your asset to receive a loan. Since you are using some sort of collateral, your credit score is not needed. When it comes to paying off these loans, you have 30 days after you are given the loan to pay it off. Lenders will outline your payment plan in your contract, this will include the date you need to pay a certain amount by, and the interest rate added onto that payment. You do have the right to early payments, meaning you can submit payments before the date, but never after. When you submit late payments or miss a payment, your lender can declare a default on your behalf. A default will lead to vehicle repossession so it is crucial to pay on time.
You also have the right to rescind. You can rescind your loan by returning the full loan to the lender within the next business day. When you do so your title will be given back to you and your contract will be nullified. If you are dissatisfied with your lender, and would like to submit any complaints about their practices, you can contact the Consumer Financial Protection Bureau.
This unfortunate event only occurs when a default is declared. Your lender will notify you of their intent to repossess and must provide you a safe time, date and place to voluntarily surrender your car. They may not break into private property, use force or violence to acquire your vehicle. If your lender breaches the peace with the act of repossession you may contact your local law enforcement agency to stop the repossession.