All About Title Loans Cedar City, Utah
With traditional loans, the application process is lengthy and probing. You’ll need to provide pay stubs proving that you’ve been steadily employed for at least 60 days if not longer, bank statements to show you haven’t gone into the negative recently and written consent to have your credit report pulled and scrutinized. If, at the end of all of this, the bank officer decides he doesn’t like your application, you’ll get a rejection in person, a letter in the mail telling you the same thing and a reduction in your credit score for having it pulled.
Title loans Cedar City with Platinum Lending are completely different. There is no long application process, there is no credit check and you won’t have to submit proof that you haven’t accidentally overdrawn your bank account in the recent past. What you will need for title loans in Utah is the title to a completely paid-for car in your name and some form of income so you can repay the loan. If you meet these simple requirements, more than likely you’ll be approved on the spot and be able to walk away with money in your pocket that same day; possibly even that same hour.
How to Apply for Title Loans Cedar City
You don’t have to sit in a bank lobby for hours to start your car title loans Cedar City application. You can do it right here, on the Platinum Lending website. Fill out our brief car questionnaire with details like your car’s make, model, year and mileage, and give us your contact information to get an instant auto title loan estimate. This is how much money we believe one of our qualified lenders can loan you. The exact amount may be a little higher or lower depending on your car’s condition.
If you like what you see, give us a call to complete your application. We’ll need a copy of your photo identification, a copy of your registration, the original title to the car you own and proof of your income. If you’re working, pay stubs will do. If you’re not working, we simply need proof of whatever income you do have. This can be income from disability payments, retirement payments, alimony or child support. We’ve approve applications for plenty of people who weren’t working at the time they applied.
Legal Regulations Concerning Title Loans
While title loans have been banned in some states, Utah residents are lucky to have access to this alternative form of credit. According to the Consumer Federation of America (consumerfed.org), Utah obeys several guidelines for car title loans to make them safe and affordable for its residents. These include that the title in question must be free of any liens, that the borrower must show proof of being able to repay the loan and that there may only be one loan taken out against the title at a time. The representatives who work within Platinum Lending’s circle proudly uphold these standards.
Title Loans Can Help
Getting a cash loan against your car title is a simple and quick way to borrow the money you need without having to worry about your credit or your employment situation. You can spend the money you get in any way you need to, including:
- paying overdue rent
- paying outstanding bills
- covering emergency expenses
- moving to a new home
- buying furniture
- buying a new car
Fill out our online form today to see how much money you may qualify for. It could be a lot more than you realize!