How Our Loans Work

Our loans are known as car title loans or auto title loans because they use your car title as the security for the loan. This becomes possible when we become the new lien holder of the car. This will happen when you get the cash and this will remain the status of the car until you have completely repaid the loan, at which time you will become the car’s lien holder once more. Because the loans are so closely linked to your car, the loan amount we will offer you will be based on the market value of the car, although the loan amount can range from $2,501 up to as high as $20,000. We offer loans as cash, allowing you to use these loans for any need you have, with no limitations. When you get the cash, you will be able to continue driving your own car like always.

No Credit Check Loans

At Optimum Title Loans, we offer a low interest rate that suits the borrower and does not involve many of the complicated requirements of other loan options. This is a secured loan, as you use your car as an asset for collateral in order to secure the funding. This means that the loan is less risk for the lender and they are able to pass on some benefits to the borrower. One important benefit from Optimum Title Loans is that there is no requirement for a credit check. There is also no need to submit proof of employment or your employment status with a secured loan, as it’s not used to determine your risk. This means that auto title loans are available for a much wider group of people. Now you are eligible to get a loan even if you have bad credit or no credit score. There is no need to provide any information about your credit score and those with bad credit can get loans in the same way as those with good credit. In a similar way, your employment status and source of income are not taken into account when you apply for the loan. You can have regular employment or be self-employed or unemployed and still be eligible for a loan. Or your income can come from social security, disability funds or even retirement funds and you can still be eligible. As long as you have a car with a valid title, you could be eligible for a loan. If you're too far from one of our locations, we have partnered with Titlelo to provide online title loans with just a few clicks of a mouse.

Short-Term Loans

Long term loans span over a long period of time, leaving an opportunity for something to go wrong with the loan repayments, and that’s why they need to have a high interest. Car title loans are short term loans. And at Auto Title Loans, our loans come with a low interest rate, as the loan period is quick and we, as the lender will make our money back fast.

Quick Application Process

One of the many other benefits of applying for a loan with Auto Title Loans is the fact that the cash can be available in as short as sixty minutes. This makes the loans suitable for those who need loans in a hurry. No matter why you need cash, personal loans with Auto Title Loans are an option. Complete the application process online or by phone and then visit the offices with your paperwork to sign all the documentation and hand the lien over to us. If you have everything in order and can hand over your paperwork immediately, you can walk out with the cash. You even get to take your car with you and keep on driving it like before! There are many reasons to apply for a loan with us and the fact that we offer instant cash loans is a major reason!

Discreet and Reliable Loans

When it comes to your finances, you need to be sure you are making a wise decision and looking after your interests. The financial decisions you make today will impact your finances in the future as well and it is important to choose a loan that will help you both in the short term and the long term. At Auto Title Loans you will find a reliable solution from a fully licensed lender. We offer a discreet service from a our professional team of financial experts who are available 24 hours a day, seven days a week to answer your questions and help you get started. Our team will worry about all the little details for you so that you can have a stress-free experience. We will worry about the condition your car is in and whether it has been fully paid off or only partly paid off. We are here to help every step of the way.

Convenience at All Times

Our loans offer convenience at all times to ensure a smooth application process. This begin with the fact that the loans can be applied for online, at any time it suits you and from anywhere that it suits you. You can just visit our website and fill out the form that is clearly displayed. You will notice that there are very few fields to complete and this is to make the form simple, quick and understandable for everyone. You will need to fill out all the fields including your name, address and phone number, as well as your car’s year, make, model, style and approximate mileage. This will only take you a couple of minutes and we will be able to offer you instant approval and a preliminary loan offer based on this information. You do not even need to leave home to get approval for a loan. You can also complete this part of the application process over the phone, if that suits you better.

Once you have been approved for the loan, if you want to move forward with the process, you will need to bring the required paperwork into the offices. We will need to see proof of identity, proof of residence, your car title, the car insurance and proof of income. All of these documents must be valid in order for us to move forward with the process. If they are, we can begin negotiating the details of the contract with you, including the terms and conditions and the repayment schedule. We will work with you to find a solution that works for your finances. You can walk out of our offices, with the cash in your hands, within one hour from when you started the process.