Title Loans in Pleasanton, Texas
When things are starting to look rough on the financial front, you can’t win the war by staying in the trenches. Sometimes, someone close to you can bail you out; other times, you can buy your way out of the situation by selling some of your expensive belongings for a quick buck. But when all else fails, that’s where title loans San Antonio and title loans Pleasanton step in and make things right for you. Our loan services offer the following pluses:
- Money deposits within a day or sooner
- Loan sizes in the four- to five-figure range
- Overhead interest rates that are minimized to give you breathing room when paying us back
- Buyout and refinancing programs that help you stay on track with your loan
- Zero credit checks
As a leading lender of title-based cash loans, we keep the process quick and easy for our clients. All you need to do is temporarily hand us the title to any land- or water-based automobile, which will serve as collateral while the loan is out. You’ll receive this back after you’ve paid everything back in full.
Online Application for Pleasanton Title Loans
Our 30-second online application consists of the following information:
- Email address
- Phone number (which we’ll call shortly)
- The model, make, mileage, style and year of the vehicle that’s registered to the title
It’s that simple. Once you’ve submitted these details, you’ll receive a free title loan quote to start you off until we contact you. Expect to receive a phone call within 15 minutes or less, and prepare yourself with any questions you may have. We’ll also require legal evidence of your likeness and income, and if you can help us understand your monthly expenditures, this will allow us to produce a more accurate auto loan quote for you.
Title loans in Pleasanton can be limited by several factors. First, if you have a lien on the title that you’re offering us, this can reduce the value of the vehicle that’s represented by it, which in turn limits the value of your collateral when you relinquish the title to us. This effectively results in a smaller loan. You should also have a solid source of income to back up your promise to repay the loan, although there are specific cases where we’ve been able to accept unemployed applicants.
Title Loan Laws in Texas
Because of repeated malpractice over the years, the Texas state government has moved recently to crack down on lending companies such as our own. Admittedly, other title-based lending agencies have forged a negative reputation for all lenders — even the honest ones. As a result, many people feel that there’s no legal protection when pursuing a title loan.
Fortunately, state law has mandated that every short-term lending company must only hire officially certified representatives, and those people must thoroughly inspect each client’s current and foreseeable financial situations in an effort to produce title loans Pleasanton that can be paid off in timely fashion. In addition, we’re not able to bump our overhead rates beyond 10% for any reason. We also can’t seize a client’s vehicle unless they fall behind on their payments by 31 days or more, although this can be remedied by requesting an auto loan refinance to add another 30 days to the loan term.
The Benefits of Auto Loans
While there are other honest lending companies out there, not all of them offer the right type of loan for every situation. Title loans can be pretty situational themselves — what if you don’t have a title to begin with? However, those who do have one and are willing to temporarily part ways with it can find that Pleasanton title loans offer the most benefit-rich loan environment to help dig them out of the financial trenches and gain ground on those bills once more.