Title Loans Palm Harbor, Florida

Since nearly three out of four people live paycheck to paycheck, you should not find it strange to run out of money and still have things you need to pay for or purchase. You also should not think it strange to choose a non-traditional route to get extra money when you are in need. While title loans in Palm Harbor aren’t the type of loans offered by a bank, they are the type to get if you want easy approval and fast money.

Title Loans Palm Harbor Explained

When you apply for title loans in Palm Harbor, you promise one of your assets as a way to guarantee you will repay the money. The asset is your car, truck or SUV. When the lender gives you the money, you only give the lender the title to the vehicle. Keep the car. It’s yours to drive so that your daily routine won’t change. When you pay us back, we’ll return your title. To qualify, be at least 18 and have an income. Whatever vehicle you use must not have any liens against it or have any remaining payments.

Title Loans Palm Harbor Applications

Begin your application process by telling us about your car, such as the make and model. Tell us your name and how to contact you, and we’ll give you a quick loan quote. Then, a loan associate calls you to finalize the loan offer. First, we get more info about your car to determine its actual value. This is how we arrive at a final loan amount, and we may need to inspect the vehicle to get an accurate value assessment. Our associate will also help you set up payment arrangements and discuss a few other details. Once all that’s done, just give us the title so we can put money in your hands.

Florida Legal Information

• Lenders need a license from the Office of Financial Regulation.
• Lenders must give borrowers notice if their vehicle is to be repossessed and sold.
• Borrowers have 10 days to get their vehicle back after repossession. They must pay their loan balance and fees in full.
• Standard title loan terms are 30 days. When borrowers and lenders agree, another 30 day term is an option.
• Interest on loans under $2,000 is 30 percent. It is 24 percent for loans between $2,000 and $3,000, and 18 percent for loans over $3,000.

Benefits of Title Loans

Tampa title loans are easy, uncomplicated and fast. Try getting the same amount of money in the same time frame by going to a bank. The process is longer, and so is the paperwork. It can take weeks to finally finish the process and find out if you are approved.

Title loans are credit check free. Isn’t that a great way to get a loan? You don’t have to worry about that ding your credit took when you got behind on payments. You don’t have to worry that your score is below the magical number required for a bank loan. With car title loans in Florida, you just put up the required collateral to secure your loan. If you have a job or another way to pay us back, we will give you the money you need.

Loan terms not working out? Let us help. We can renew the loan or look at other options to make sure you stay on the right path to make payments. We know you don’t want to lose your vehicle through loan default, and we’d rather get our money back by you repaying the loan, so let us know if there’s a problem. We can help you.