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    What Is Car Equity?

    When you are looking to get a car title loan, your vehicle must have enough equity in it. But what is car equity? We are here to help you to understand what the equity of your vehicle is.

    There is positive equity or negative equity, and the difference between them is if your vehicle is worth more than you owe on the loan then you have positive equity. If you owe more on your vehicle than it is worth, then you will have negative equity in it.

    Do I Have Equity In My Car?

    To know if you have equity in your car, all you need to do is to subtract the balance that you owe, against the wholesale value of your vehicle, we use the Kelly Blue Book, to see your wholesale value.

    Also, if you own your car free and clear, you will need to look up your wholesale value, to see if you have the required equity value to qualify for a car title loan.

    If you do have enough equity in your vehicle, here at TFC Title Loans, we can help you to get the best car title loan, we have the largest referral network to get you the money that you need. All of our partners are in compliance with the CFPB.

    What is car equity?

     

    What is car equity?

    Get Your Balance On Your Vehicle

    To find out the balance that you owe on your vehicle, you might be able to see your account balance online, or you might be able to see your balance on the monthly statement that you receive in the mail.

    If you are unable to get your account balance these ways, you can always contact your finance company and request the payoff on your loan. It would be good to also have the finance company email you the balance.

    Find Out The Market Value Of Your Car

    There are plenty of online sources to look up the value of your vehicle, but you could always go to a car dealer and ask for an appraisal of your vehicle, or you could ask them how much they would buy it.

    There are online car appraisal companies for you to get an accurate assessment of the equity that you have in your car. A vehicle appraisal company will compare your car to similar vehicles, and take into consideration the condition that you have in your vehicle.

    Or you can contact TFC Title Loans and we will get you the most money on the equity in your car. We always give the highest advance rates, so we can help you get the money you need.

    When you contact us, we will need to know the year, make, and model of your car. We will need to know the body style and trim, or specifications of your car. We will also need to know the VIN number and the mileage too.

    Auto Equity Loans

    We will let you know the market value of your car, and if you have enough equity in your car, we will be able to help you to qualify for a car title loan.

    When you get the equity value of your car, you know how much you will qualify for a title loan, even if you do have a balance that you owe to another finance company.

    Your car equity can be used for you to get the emergency loan that you want. With our car title loans, we will get you the best rates and the best terms.

    Fast Approval For Your Vehicle Equity Loan

    We will make it easy for you to get the auto title loan with the equity that you have, all you have to do is to apply with us for an online title loan.

    Or you can call us directly and we can get you a fast approval over the phone, we will get you the most money on your car equity, so we can get you the money today.

    You will need to submit all of the required documents. We will need to verify your vehicle, your proof of income, your proof of residence, and 5 personal references.

    Once we have verified all of your documents we will get you the same-day funding that you want, and we will get you the most money on the equity of your car.

    Contact us today, we are here to help you to get the local title loan in your neighborhood. We have been helping people since 1994 to get the money that our clients need, we are here for you.

    Types of Consumer Credit & Loans In Florida

    Banks, credit unions, private finance companies, and online lenders are the top providers for consumer credit and loans in Florida. Consumer loans and credit make it possible to get the financing to purchase high-priced items that you need to finance.

    Student loans, Mortgages, and credit cards are forms of loans and credit, some are simple and some are more complicated for individuals to get.

    All types of loans, no matter what type of loan that it is, will have their own terms and conditions, and all consumer loans are regulated by the CFPB.

    The CFPB protects consumers from unsavory practices, like charging excessive interest. all of the plan details, such as length, default terms, need to be clearly disclosed to avoid any confusion and potential legal action.

    All of the disclosures need to be clearly disclosed so, in the case of default, terms of collection, or the outstanding debt, all of the costs need to be disclosed.

    Secured and Unsecured Consumer Loans In Florida

    There are two types of consumer loans in Florida, secured, and unsecured, different lenders will offer either one, depending on the risk level they are willing to take.

    A secured loan is when collateral is pledged to secure the loan in case of default. If the borrower defaults on the loan, they may lose the collateral that they have pledged.

    With secured loans, lenders will typically offer lower interest rates, as they have the security of the collateral if the borrower defaults on their loan.

    Unsecured loans have no collateral to secure them. The lender will have nothing to repossess if the borrower defaults on the loan. As the loan is riskier, the lender will charge a higher interest rate.

    Information on consumer finance loans in Florida

    Types of Credit Options in Florida

    There are open-ended and closed-ended consumer loans in Florida. Open-ended or revolving credits are usually used for purchasing and are paid back monthly.

    The most common form of revolving credit is credit cards, but home equity lines of credit (HELOCs) also fall in this category, they can both be paid off monthly but they do not have to, but higher interest costs will incur if it is not fully repaid monthly.

    With credit cards, interest charges are incurred when the monthly balance is not paid in full every month. interest rates on credits cards can vary from 16% and can be as high as 30%.

    Closed-ended consumer loans in Florida, are also called installment loans, because the consumer is required to follow a regular monthly payment plan, with interest and principal being paid every month.

    The interest rates that are charged, are tied to the client’s credit score, the better the credit score, the lower the interest, and people with bad credit should expect to pay higher rates.

    Types of Loans In Florida

    Florida consumers can get a loan for just about anything they want to purchase, which tells you approximately how many consumer loan types there are available.

    Here is a list of some of the most popular consumer loans in Florida:

    • Debt consolidation
    • Student
    • Mortgages
    • Auto
    • Veterans
    • Title Loans
    • Small business
    • Payday
    • Cash advances
    • Home equity

    Each type of consumer loan in Florida is designed for different things, it is not one size fits all, so do your homework to find out what would be the best consumer loan for you in Florida.

    Debt Consolidation Loans in Florida

    A debt consolidation loan in Florida is to help you to simplify your finances by combining multiple loans that you have into a single debt, repaid with one monthly payment. This means fewer payments each month and lowers interest rates.

    Consolidation loans are also called unsecured personal loans.

    Personal Loans In Florida

    Personal loans can be used for anything you want, they can be unsecured or secured, and they are usually used for people with high credit card debt.

    With personal loans in Florida, you can transfer your outstanding balances from other loans and credit cards, to have a lower interest rate and only one payment.

    Here is a look at some facts you should know about personal loans:

    • Common personal loan term: 12-60 months
    • APR interest range: 6% to 36%
    • Minimum loan: $1,000-$3,000, based on lender
    • Maximum loan: $25,000-$100,000 based on lender
    • Required credit score: Above 660, but some lenders allow it as low as 610
    • Collateral requirements: Required for secured loan; not required for an unsecured loan

    Auto Loans In Florida

    Auto loans are secured loans tied to the equity in your vehicle. They can help you afford to buy a vehicle, but you may lose the car if you miss your monthly payments.

    This auto loan in Florida may be distributed by a bank, credit union, online lender, or car dealership but you should understand that while loans from the dealership may be more convenient, they often have higher interest rates and ultimately cost more.

    • Common loan term: 12-84 months
    • APR interest range: 1.04%-25.97%
    • Required credit score: 780 or above to get the very best interest rate; 600 or higher for average rate; under 600 gets the double-digit interest rate

    Learn more about auto loans here.

    Student Loans in Florida

    Student loans in Florida are offered to college students and their families to help cover the cost of higher education. There are two types of student loans: federal student loans and private student loans. Federally funded student loans are better, as they have lower interest rates and more borrower-friendly repayment plans.

    • Common student loan terms: 10 years to 25 years
    • APR interest range for federal loans during COVID-19 crisis: 0%
    • APR interest range on undergraduate federal loans when COVID-19 rules are removed: 2.75%; on graduate loans 4.3%; on PLUS loans 5.3%
    • APR interest range for private loans: 2.8%-14.5%
    • Loan forgiveness is possible with federal loans, but it is not available for private loans.

    Get the best consumer finance loans in Florida

    Mortgages Loans in Florida

    Mortgages loans are most commonly distributed by banks, credit unions, and online lenders to allow qualifying consumers to buy a home.

    The mortgage loan is tied to your home, so you risk foreclosure if you fall behind on monthly payments. Mortgages loans have among the lowest interest rates of all loans because they are considered secured loans, as your home will secure the loan.

    Mortgage loans have variable-rate loans, but most homebuyers prefer fixed-rate mortgages.

    • Common loan terms: 15 and 30 years
    • APR interest range: As low as 2.8 % and high as 5.6%
    • Credit score requirements: The higher your credit score, the lower the interest rate you pay. Generally, lenders like a minimum score of 660 or better, but you can qualify for an FHA loan with a score of just 500.

    Home Equity Loans in Florida

    If you have enough equity in your home, meaning your home is worth more than you owe on it,  you can borrow against that equity.

    Home equity loans are good for renovating the house, consolidating credit card debt, major medical bills, paying off student loans, and many other projects.

    Home equity loans and home equity lines of credit (HELOCs) use the borrower’s equity in their home as collateral, so interest rates are considerably lower than what you pay on credit cards.

    The big difference between home equity and HELOCs is that a home equity loan is a lump-sum payout; has a fixed interest rate and regular monthly payments. A HELOC is a line of credit for 15-30 years. It has variable rates and offers a flexible payment schedule.

    • Common loan terms: 5-10 years for home equity loans; 15-30 years for HELOCs
    • APR interest range: 3.25%-11.99%
    • Credit score requirements: 660
    • Collateral requirements: the home serves as the collateral

    Balloon Mortgage Loans in Florida

    A balloon mortgage loan has very low or no monthly payments for a short-time period but then is required to pay off the balance in a lump sum.

    These types of loans are extremely high-risk loans.  The borrower pays no interest or makes no payments for a short time period, but at the end of that time period, must make a “balloon payment” that covers the accumulated amount of principal and interest.

    People use these loans if you intend to own a home for a very short time period and expect to sell it quickly, or you hope to refinance the loan before the balloon period expires.

    Loans for Veterans In Florida

    The Department of Veterans Affairs (VA) has lending programs available to its veterans and their families. The money comes directly from the bank, not the VA. The VA guarantees the loan and the VA acts as a co-signer, helping you to get higher loan amounts with lower interest rates.

    Title Loans in Florida

    Title loans in Florida will use the equity that you have in your vehicle. The lender will use the equity to determine how much money you will qualify for.

    Title loans accept all credit scores, you and even get a no credit check title loan in Florida, interest rates will vary from lender to lender.

    With a title loan, you can get same-day funding, it is one of the fastest ways to get thousands of dollars without much paperwork or delays.

    Small Business Loans in Florida

    Small business loans in Florida are given to entrepreneurs or business owners to help them start or expand their businesses. The best source of small business loans is the U.S. Small Business Administration, which offers a variety of options depending on each business owner’s needs.

    Cash Advances In Florida

    A cash advance is a short-term loan against your credit card. Instead of using a credit card to make a purchase or pay for a service, you bring it to a lender and receive cash to be used for whatever purpose you need. Cash advances also are available by writing a check to payday lenders.

    Payday Loans in Florida

    Payday loans are a short-term, high-interest loan option designed to bridge the gap from one paycheck to the next. These payday loans in Florida are used predominantly by repeat borrowers living paycheck to paycheck.

    The repayment period is short – and the 399% APR interest that goes with them is expensive. The government strongly discourages consumers from taking out payday loans because of excessive costs and interest rates.

    Pawn Shop Loans in Florida

    Pawn loans in Florida are high-interest loans similar to secured loans. The borrower offers some sort of property (jewelry, watch, electronics, etc.) as collateral for a loan.

    The pawnshop owner provides the loan and sets the terms for repayment. If the borrower repays the loan on time, the property is returned. If the loan is not repaid on time, the pawnshop owner can sell the item to recover the unpaid amount.

    Borrowing from Retirement & Life Insurance in Florida

    Those with retirement funds or life insurance plans may be eligible to borrow from your account. This option has the benefit that you are borrowing from yourself, making repayment much easier and less stressful. However, in some cases, failing to repay such a loan can result in severe tax consequences.

    What Type of Consumer Loan Should I Choose?

    If you decide that you need to get one of these consumer loans in Florida, it is important that you fully understand all of the terms and the repayment conditions.

    You need to fully understand all the terms, and if anything is unclear, it is important to ask for it to be explained to you, do not just sign it because you are embarrassed to ask.

    If you are getting a consumer loan and it is tied to your collateral, make sure that you can make your monthly payments, or you could lose the asset that you are pledging to the loan.

    Consumer Loans in Florida

     

     

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    What To Do If Your Car Is Repossessed During A Title Loan?

    It is unfortunate but car title loan repossession does happen, but what to do if your car is repossessed during a title loan contract is the question.

    The reality is that the title loan company does not want to take the car, it is their very last option. The title loan repo is a major inconvenience for everyone involved.

    Title Loan Repo

    Here at TFC Title Loans we always try to get you the best title loan that will work within your monthly budget, with our large network of title loan companies that we refer to, we make sure that they are all in compliance with the CFPB.
     The title loan companies that we work with always want you to keep your car, and the monthly payments should fit within your budget, so you will not have to deal with a title loan repo.
    But if you are having some problems and you need some help, we are here for you, we can find another way to get you a new title loan, and avoid having your vehicle repossessed.

    What Happens If My Car Gets Repoed During My Title Loan Contract?

    The truth is, that if you stop making your monthly payments, and stop communicating with your title loan company, your car will get repossessed.

    If your car does get repossessed, you will need to call the title loan company to discuss how you can get your car back. It will be important to discuss your financial situation and see how this can be resolved.

    Have trouble keeping up with your current cat title loan payments? You can contact us to see if we can refinance your title loan, and get you into a better title loan, with monthly payments that you can afford.

    When you refinance your existing title loan, you will be able to get a lower interest rate, with lower monthly payments, sometimes we can even get you more money if you have enough equity in your vehicle,

    Also, when you refinance your current auto title loan, you will avoid getting your car repossessed by your current title loan company.

    what to do if your car is repossessed during a title loan
    We can help you if your car is repossessed during a title loan

    What Can I Do When My Car Is Repossessed?

    It is important to call your title loan company, and see how much it will be to get your car back. You may be able to negotiate with your company on how much to pay.

    The title loan company does not want to send your car to the auction and sell your car. The best option is always to get the client back into their vehicle.

    If your car goes to the auction and it does not cover the balance that you owe, you will be responsible to pay the balance, even though you do not have your car anymore.

    Title Loan Companies Try To Avoid Repossessions

    The last thing that any title loan company wants to do is to repossess anyone’s car, once that happens, they are no longer making money. They only make money when their clients make the monthly payments.

    When you apply with TFC Title Loans we will get you the most convenient terms, and make sure that the title loan that we get for you will work for you financially. The monthly payments are affordable for you and the title loan can range from 24 months to 48 months.

    We will make sure that you get the lowest interest rates on your title loan, we will get you the most competitive rates, and all the payments are amortized, so there will be no balloon payments at the end of the term.

    Getting you the best title loan is what we do, we want to make sure that you get the best deal, and that title loan repossession will not happen to you.

    Avoid Title Loan Repossession

    Apply with us today and avoid a title loan repossession, if you currently have a title loan with another company, we can refinance it and get you much better terms.

    If you need a title loan, we are here for you, we will get you the auto title loan that will fit into your monthly budget, so your monthly payments will not be a problem for you.

    With our large network of partners, if you are looking to find a title loan in my area, we can help you to find it. Where ever you are living, we can help you, as long as your state permits title loans, we can use the equity that you have in your car.

    What Are The Requirements For A Title Loan In Tennessee

     Here at TFC Title Loans, we have a large referral network of title loan companies in Tennessee that we work with, and we will let you know what are the requirements for a title loan in Tennessee, they are all in compliance with the CFPB, so you will be working with a trustworthy company.

    With our large network you can be sure that when you are searching for a Tennessee title loan near me, we will be able to help you no matter where you are living.

    What are the Title Loan Requirements for Tennessee?

    If you are living in Tennessee and you would like to get a title loan, and you are wondering what are the requirements for you to get one is, here at TFC Title Loans, we will let you know.

    The Tennessee title loan that we are going to provide you with first and foremost you must have a vehicle that has the required amount of equity in it.

    As all title loans in Tennessee are secured with equity in the car, it is important that if you want one, you must have equity in your car.

    With our Tennessee title loans, we will get you there money that you need today, we will provide you with fast approvals and same-day funding.

    What Do I Need To Qualify For Tennessee Title Loans?

    If you want to qualify for a Tennessee title loan then you will first of all have to comply with the following requirements, you must have a car that has enough equity in it.

    Once we have qualified your vehicle, we will then need to qualify you. We will need to see your proof of income, to make sure that you can afford the Tennessee title loan.

    We will need to also have a copy of your title, to verify that your name is on the title, and to check to see if there are no other liens on your title.

    You will need to provide your proof of residence, this can be done by providing a utility bill that is in your name, going to your home address.

    We will also need 5 personal references, we will need the names, addresses, and phone numbers of all references, one will need to be a family member.

    title loan requirements in Tennessee
    We are here to help you with the Tennessee title loan requirements

     Qualify Your Vehicle For Title Loan In Tennessee

    Once your documents have been submitted, and you are approved, we will need to get you to send in the photo of your vehicle. We will need to see all sides of the car.

    We will also need to see photographs of your interior, your VIN number, and your odometer reading. This will help us to give you the max on your title.

    The whole vehicle inspection can be done online, there is no need for a store visit. With photographs and videos, we are able to make sure that you get the max title loan.

    We use the Kelly Blue Book to look up your wholesale value, so we can get you the max on your title.

    Fast Tennessee Title Loans Qualifications

    Now your vehicle has passed the inspection, and we have also approved you, you are on your way to picking up the money that you need.

    Our qualifications for you to get your Tennessee title loan are easy to qualify for, as long as you have a car that has the required equity in it, we can help you.

    Our car title loans in Tennessee can be approved and funded on the same day, unlike traditional banks who can take weeks to get you approved.

    With TFC Title Loans we are able to get you the same-day funding that you are looking to get with our online title loans Tennessee application.

    Online Car Title Loans in Tennessee

    We have made it easy for residents of Tennessee to apply for title loans online, the application is fast, and you can get an instant preapproval with us.

    Do not worry if you have bad credit, our Tennessee title loans are not approved based on your credit score, with us your car is your credit.

    Remember with our auto title loan in Tennessee, you get to keep your car, and continue to use it as before. Unlike auto pawns where they hold your car, we let you keep it.

    Come To Us For Your Auto Title Loans In Tennessee

    We have the best terms for car title loans in Tennessee, we will get you the most money on the title of your car, and we will get you the lowest monthly payments.

    Our approval process is faster, we will help you to get the max money on the title of your car, we can get you the same-day title pawn in Tennessee that you are looking for.

    Contact us today, we have the largest network of Tennessee title loan companies, our network will help you to get the locate title loan that you want.

    Guaranteed Title Loan Approval

    You can get a guaranteed title loan approval with us if you need to get some emergency money, and you have enough equity in your vehicle and you have the income to support it.

    TFC Title Loans has the largest nationwide referral network, we are able to help you to get the money that you need as long as title loans are permitted in the state where you live.

    All of your referral partners are in compliance with the CFPB, so you know you will be working with a car title loan company that you can trust.

    Get A Guarantee Title Loan Approval

    Getting a guaranteed title loan approval will depend on what title loan company you go to, some lenders are very strict with your credit, but when you come to us, we will get you the guaranteed car title loan approval as long as you have the equity in your vehicle, and they have some form of income to support it.

    If you have bad credit, that will not stop us from helping you to get the guaranteed auto title loan approval that you need, in fact in some states we can even get you a no credit title loan.

    Guaranteed Bad Credit Title Loans

    With auto title loans are a secure type of loan, as the title will be held by the lender as security for the loan, the lender has legal rights to the vehicle if the client defaults on the contract.

    With the lender having a secured position on the vehicle, it is easier to get a guaranteed auto title loan approval because of the equity in the vehicle, and your proof of income to show that you can support the monthly payments.

    Guarantee title loan approval
    How to get guarantee title loan approval

     Can I Get a Guarantee Title Loan Approval?

    If you want to get a guaranteed car title loan approval, you will need to have a vehicle with enough equity in it, you will need to have the title in your name, and you must also have proof of income, to show that you can afford the title loan.

    Your vehicle must also be in good working order, the overall condition of the vehicle will determine how much money you will qualify for with your vehicle equity.

    We will use the Kelly Blue Book to determine the wholesale value of your vehicle. Our car title loan calculator will help you to determine how much your monthly payments will be.

    To get a guaranteed title loan approval you must have your car title in your name, if you do not, you will need to go to your local DMV to transfer the car into your name.

    Can I Get Bad Credit Guarantee Car Title Loan Approval?

    Are you wondering if you can get a bad credit guarantee car title loan approval? Your credit score will not stop you from getting a title loan.

    With our high approval rates, we can guarantee you get a title loan with us with your supporting income and the equity of your car. We will get you approved with your cars equity and not your credit score

    Bad Credit Check Guarantee Title Loan Approvals

    Having bad credit will not stop us from helping you to get a guaranteed auto title loan approval, our title loans are not credit-based, they are secured with the equity in your car.

    We will get you the fast approval that you are looking to get, we can get you pre-approved in minutes, and funded the same day that we get the supporting documents.

    Getting you a title loan that will fit into your budget is how we can also help you, we will get you the lowest interest rates, and the lowest monthly payments too.

    How Do I Apply For A Guaranteed Vehicle Title Loan Approval?

    You can apply for an online title loan approval on our website, TFC Title Loans will give you the most money on your car’s equity, and we have the most flexible approval requirements.

    You can contact us over the phone or online, our pre-approval process will only take a few minutes to know if we can help you. We will need to know your vehicle’s information, the year, make, model and mileage to determine if we can help you.

    If your vehicle does qualify with us, you will need to provide a few other documents to get funded, we will need to verify your proof of income, to make sure you will be able to make the monthly payments.

    We will need your proof of residence, your driver’s license, and a copy of your title to the vehicle. Sometimes there are extra documents that are needed, but these are the most important documents.

    We will also need you to send u photos of your car, we will need to see all sides of it and the interior. We will also need to have a photo of the VIN number and the odometer reading, we will be able to assess your vehicle with these photos.

    Title Loan Guarantee Approval

    once you have been approved for your guarantee title loan, all you will have to do is to sign the contract, drop off your title and pick up your money.

    If you are looking for a title loan near me in my neighborhood, we can help you as our referral partners have multiple title loan locations for you to choose from.

    We will give you multiple choices for you to pick up the money, we can wire the money directly into your bank, we can give you a check at one of our title loan locations, or you can pick up your money at any MoneyGram.

    Contact us today we are here to help you to get the guaranteed title loan that you are looking for, we have been helping people since 1994 to get the money that they need with the equity that they have in their automobile.

    How To Get A Title Loan With No Proof Of income

    Some clients often ask us can I get title loans with no proof of income? We are able to help you to get a title loan without proof of income.

    You do not have to have traditional proof of income to get approved for a title loan, you can use other sources of income to get approved.

    Here at TFC Tite Loans, we have been helping people to use the equity in their vehicles since 1994, we are the expert in helping you to get the money that you need.

     Get Car Title Loans With No Proof of Income

    You can still get car title loans with other types of income, it does not need to be the traditional type of income. You can use alternative sources such as tax returns or a bank statement for thoughts who are self-employed.

    You can use unemployment benefits, social security, stocks, bonds, as long as you can show that you have the income to support the car title loan, we can help you.

    Contact us today, and let us see how we can help you to get qualified for the title loan that you want.

    How Can I Get A Title Loan Without Income Verification?

    How can you qualify for vehicle title loans without income verification is easier than you might think, our title loan program has flexible qualification requirements.

    Having poor credit will not prevent you from qualifying for a title loan with us, unlike traditional banks, we are not a credit-based lender, but we will need to see some sort of income to get you approved.

    The car title loan the main qualifications are, that you just have a vehicle that has the required amount of equity in it, and you must be able to prove that you can afford to make the monthly title loan payments. But we can get you approved for your title loan without traditional income verification.

    How to get a title loan wth no proof of income
    We can help you to get a title loan with no income verification

    Documents For Title Loans Without Proof of Income

    Without traditional proof of income, we have the ability to get you the title loan that you need, but we will also require a few other supporting documents.

    We will need to verify your car title, and we will need to check the equity value of it with the Kelly Blue Book, to verify the equity value.

    You will need to provide us with your driver’s license, as we need to verify you are the same person on the title of your vehicle.

    We will also need to see your proof of residence, you can use a utility bill that is in your name going to your home address.

    personal references will be needed, we will need to have the names, addresses, and phone numbers of 5 personal references, one must be a family member.

    Getting Your Car Title Loans With No Proof Of income

    Our process of providing you with a car title loan without proof of income is fast and easy to qualify for. we will help you to qualify by using alternative income.

    With our large network of referral partners we are able to help you to get the title loan that you need no matter where you live, so when you need a title loan in my area, contact us today.

    When you apply with us, we will get you the best title loan terms, with the lowest monthly payments, to fit into your monthly budget. Call now we are here for you.

    Can I Refinance My Title Loan?

    Can I Refinance My Title Loan? This is a question we get from many of our existing clients and clients that have title loans with other companies.

    We are able to refinance your title loan, we will help you get into a better title loan, with a lower interest rate, lower monthly payments, and sometimes we can get you more money.

    The original title loan that you got with a different company can be refinanced with us, we will get you the title loan that will fit within your budget, with better terms.

    How Do I Get A Better Title Loan?

    We will refinance your existing title loan, and replace it with a new title loan that will have better terms for you. The process of refinancing your title loan is easy.
    All you have to do is to contact us, we will see if you have enough equity in your vehicle for us to help you, we will use the Kelly Blue Book to look up the wholesale value of your vehicle.

    If you have enough equity in your vehicle, we will contact your current title loan company, and request the payoff. You will need to fill out our online title loan application, sign the contract, and you will be refinanced.

    Why Refinance Your Title Loan

    Maybe you are wondering why should I refinance my title loan? The best reason to refinance your title loan is that you will get better rates when you apply with us.

    We have the largest referral network of title loan companies, who are all in compliance with the CFPB, and we will get you the best interest rate, the lowerest monthly payments, extend your payback time, and give you the service that you deserve.

    If your vehicle has high mileage, you may be wondering who refinances title loans with vehicles with high miles? As long as you have the required equity in your vehicle, you may qualify to refinance your title loan.

    Refinancing title loans with cars that have high miles will all depend on the type of car that it is, if there is enough equity in the car, we will help you to refinance the title loan, so you can enjoy the better title loan terms.

    can I refinance my title loan
    We will help you to refinance your title loan today

    What Documents Do I Need to Refinance My Title Loan?

    If you are ready to refinance your title loan with us, then you will need to provide us with the following items so we can start your car title loan refinancing.

    We will need to find out the balance that you have on your current title loan, so we can book your vehicle out, to see if the car will have the equity that is required for a title loan refinance.

    Once we have the payoff from the title loan company, you will need to provide us with the following items to get you to refinance the title loan through us.

    Your proof of income, to make sure that you have the ability to repay the title loan.

    Proof of your residence can be done by providing a utility bill that is in your name, going to your current home address.

    The vehicle registration.

    We will also need to see photos of your car, the exterior, and the interior, as well as the VIN number, and the odometer reading.

    How Can I Refinance My Title Loan Today?

    If you want to get out of your current title loan because the interest rate is too high, and you are struggling to make the monthly payments.

    Our title loan refinance program can help you, we have flexible terms, and we work with most models. If you have a car with high mileage, we can help you with as long as you have enough equity in the car.

    All you have to do is apply for our online title loan application, or call us, and we can get the refinance title loan application started.

    Once you have refinanced your title loan through us, you can start to enjoy better rates, lower monthly payments, and longer repayment terms.

    The title loan refinance process is fast and easy, and it can be completed in as little as one business day.

    Refinancing Title Loans With Us

    Here at TFC Title Loans, we have been helping clients get the money that they need by using the equity that they have in their vehicles since 1994.

    With our large network of referral partners, we can get you the refinance title loan near me that you are looking for, with the best terms and low monthly payments that you want.

    Contact us today, and let us start your title loan refinance process, to see if we can help you to get the better title loan that you deserve.

    How Do Registration Loans Work?

    In Arizona, many people wonder how registration loans work, and are they different from title loans, here at TFC Title Loans, we will explain the differences, and what you can expect from them. Also, what are the differences between registration loans and title loans?

    With a registration loan, you are able to use the title of your vehicle to get the money that you need to pay for your emergency expense, or whatever you want to use the money for.

    Every state has its own laws about how consumer finance works in their state, here is some additional information for you to get familiar with the finance lending laws in Arizona.

    Registration Loans vs Title Loans

    Registration loans and title loans are both available in Arizona, they might sound like the same thing as you are getting money on your car title, but actually, they are quite different.

    Registration Loans

    With registration loans and title loans, both require that the title of your vehicle is in your name, but the difference between them is that a registration loan, your name only needs to be on the registration. So if you are still financing the vehicle, you will still be able to get a loan on it.

    Registration loans do not require you to own the vehicle outright, so if you are still making payments on it, you will be able to get a registration loan.

    When you get a registration loan ist is not secured with any collateral as the lender can’t go on the title as the lienholder, they are unsecured loans.

    Registration loans replaced payday loans in Arizona since payday loans were banned. Registration loans are an unsecured loan option for people in Arizona.

    Title Loans

    A title loan is when you use the equity that you have in your vehicle, to get a loan on your clear title. The title must have no other lien holders.

    The title is used as the collateral to secure the title loan. Here at TFC Title Loans, we have the largest referral network, so we can help you where ever you live, we will be able to get you a local title loan today.

    All of our referral partners are in compliance with the CFPB, so you know w=you will be getting a title loan company that you can trust.

    As long as you have enough equity in your vehicle, we will be able to get you a title loan that will fit into your monthly budget,  contact us to see how we can help you.

    Registration loans and title loans
    The difference between registration loans and title loans

    Registration Loans And Title Loans

    A registration loan, is an unsecured loan, as you do not have full ownership of your vehicle. Registration loans are not secured with the title of your vehicle.

    For the lender, it is riskier, as there is no collateral securing the loan, they cannot repossess the vehicle if the borrower defaults, so they have to use collection services to collect if the client does not pay.

    Registration loans will rely on credit checks with their underwriting, so the approval time can take longer as the underwriting process has no collateral to secure the loan.

    With title loans, the underwriting process is fast, as the loan will be secured with the title of the vehicle. With the title loans that we can provide, you will be able to get more money, our title loan go up to $50,000.

    Our repayment terms can go up to 48 months, but on average it is 24 months, so you will have longer to repay the loan, so the payments will fit into your budget.

    Title loans that we can help you with, have no prepayment penalties, so you can pay them off at any time, so they can give you flexibility.

    Getting A Title Loan

    If you are in need of some fast money, getting a title loan will give you more money than a registration loan, also the interest rate will be lower, and you will have longer to repay it.

    If you are interested in getting a title loan you can contact us with our online title loans application, or you can call us, one of our experienced loan officers will help you.

    The items that you will need;

    A vehicle that has enough equity in it, with a clear title, and in your name.

    Your driver’s license

    Proof of income.

    Your proof of residence.

    5 personal references.

    Photos of the Vehicle

    Here at TFC Title Loans, we have been helping people get the money that they need by using the equity that they have in their vehicles since 1994.

    Contact us today we are here to help you, if you are considering getting a registration loan and your vehicle is paid off, you will get better terms with a car title loan. If your vehicle is not paid off and you do not have the required equity in it, a registration loan might be the better fit for you.

    Disclosures

    DISCLAIMER: As our policy to make sure you know what we do and what are our limitations, we offer you these disclaimers. We are NOT A LENDER and we do not make short term cash loans or credit decisions. We are a referral service and work only with licensed lenders/brokers.

    We may act as the broker for the loan and may not be the direct lender. Loan proceeds are intended primarily for personal, family and household purposes. We do not offer or service student loans.

    *Loan amounts by the lenders vary based on your vehicle and your ability to repay the loan.

    *Since we do not lend money directly we cannot offer you a solicitation for a loan, except in the state of California. In all other serviced states we WILL match you with a lender based on the information you provide on this website. We will not charge you for this service and our service is not available in all states. States that are serviced by this Web Site may change from time to time and without notice. Personal Unsecured Loans and Auto Title Loans are not available in all states and all areas.

    *Auto Title Loan companies typically do not have pre-payment penalties, but we cannot guarantee that every lender meets this standard. Small Business Loans typically do have pre-payment penalties and occasionally will use your car as collateral to secure the loan.

    *All lenders are responsible for their own interest rates and payment terms. TFC Title Loans has no control over these rates or payments. Use of the work competitive or reasonable does not mean affordable and borrowers should use their own discretion when working directly with the lender.

    *The amount of people who applied for a loan and we helped and those who received a loan is not the same. We cannot guarantee we will find a lender who will fund you.Just because you give us information on this web site, in no way do we guarantee you will be approved for a car title loan or any other type of loan. Not all lenders can provide loan amounts you may see on this web site because loan amounts are limited by state law and/or the lender. Some lenders may require you to use a GPS locator device on your car, active all the time. They may or may not pay for this or charge you for this. This is up to the lender and we have no control over this policy of the lender. Typically larger loans or higher risk loans use a GPS.

    *In some circumstances faxing may be required. Use of your cell phone to receive updates is optional.

    *Car Title Loans are expensive and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Residents of some states may not be eligible for a loan. Rejections for loans are not disclosed to our firm and you may want to contact the lender directly.

    *Car Title Loan lenders are usually licensed by the State in which you reside. You should consult directly with these regulatory agencies to make sure your lender is licensed and in compliance. These agencies are there to protect you and we advise making sure any lender you receive money from is fully licensed.

    *Trading Financial Credit, LLC dba TFC Title Loans, Car Title Loans California, Dineromax. If you are using a screen reader and are having problems using this website, please give us a call at 1-844-242-3543 for immediate assistance.

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