What are Title Loans Kaysville, Utah?
Many of us cringe at the idea of applying for a loan, even when we desperately need the money. That’s because the requirements for a traditional loan are usually very high: you have to have spectacular credit, a good job and excellent references. Some lending institutions even expect you to produce several bank statements to prove you haven’t overdrawn your account recently. If you’ve hit a rough patch and your credit has suffered or you don’t have a job at the moment, you can forget about getting approved. Not only will you get turned down, but your credit score will sink further because you just had your report pulled.
Title loans Kaysville are very different from traditional loans. The requirements are that you own a vehicle outright, that you are at least 18 years old and that you have some sort of income, even if it isn’t from a job. There is no long application process and your credit will never be checked. That’s because Platinum Lending uses your car title as security against the loan; the state of your credit has nothing to do with it. We approve people with great credit, slow credit, no credit and terrible credit. We’ve approved people going through bankruptcy and divorce. None of those things matter for title loans Kaysville; only the value of your car matters.
Start Your Title Loans Kaysville Application
Everything about getting title loans in Layton and the surrounding counties is easy, including the application process itself. You can get started right now, from the comfort of your home. Platinum Lending has created a no-hassle online car title loan estimate tool. Just answer the prompts with information about your car’s make, model, age and mileage, and we’ll use that information to generate an instant quote. We’ll also ask for your contact information so we can get in touch to continue your application if you’d like to.
If you’re excited about the numbers you get, as most of our customers are, we can finish your application over the phone or in person at the Platinum Lending affiliate nearest you. We’ll need just a few more pieces of information to complete your application, including:
- your photo identification
- your car title
- a copy of your registration
- proof of income
- a short list of references
If you’re not currently working, don’t worry. We may still be able to approve your loan. As long as you have some sort of money coming in so you can repay your car title loan, we can get you the cash you need. We approve income sources such as:
- alimony payments
- child support
- retirement or pension
- disability payments
- unemployment income
- investment income
Once you’ve completed the application, we’ll inspect your vehicle. While some of our lenders can approve an online title loan no inspection, most of them do need to look at your vehicle to ascertain its condition.
Utah Laws Concerning Car Title Loans
To keep title lending safe and legal, Utah legislature has enacted several laws regarding its practices, which our lenders are proud to uphold. These include:
- applicants must be 18 or older
- applicants must own the vehicle outright with no liens against it
- applicants can only borrow one loan at a time against the same title
- lenders cannot renew the loan without the applicant’s signed approval
- Let Title Loans in Kaysville Help You
Car title loans are safe, quick and easy. They save you from having to resort to payday loans, pawning your personal items or going to friends and family for money. Use the money any way you see fit: to buy school supplies, pay your rent, pay unexpected bills, buy a new car or take a trip. We’re here to get you the cash you need quickly and with no stress.