We Don’t Check Your Credit Score
Your car title loan application is not based on your credit score or your bank account. We understand that your financial information is private. For this reason, we don’t need proof of income or expenses. We determine the funds available to you based on the value of your vehicle. We don’t go looking into your employment records or financials.A Simple Application Process
Our application process is simple. Once you have filled out an online application or over the phone, we determine the amount based on the information you provide. You will then set up an appointment with one of our authorized inspection centers. You’ll find these in most South Florida cities including Miami, Fort Lauderdale, and West Palm Beach. Once you’ve had the appointment, the inspection center will send us the required information. The final step is the verification process which takes about 30 minutes. Once we approve your application, you leave the verification center with a check in hand. You can cash your check the same day at any bank. You can trust us with all South Florida car title loans.Flexible Insurance Options
The collateral secures your loan. This means that you’ll need prepaid comprehensive and collision insurance. And it will need to be for a minimum of six months from the onset of the loan. You can either send the insurance documents to us or purchase an optional voluntary debt cancellation addendum. Take note that this isn’t insurance, but rather a voluntary option. All preapproval quotes include this amount. This means that if you show your policy with the required criteria, you’ll be able to lower your monthly payment. If you select the waiver, we’ll include it in your monthly payment. Check out our loan docs for more details.
An Easy Payment Plan
Our finance plans are simple and easy. You will make a total of 12 monthly payments on your loan. The good news is that the first payment isn’t due for about 30 days from your loan date. We will never charge you a prepayment penalty. Furthermore, interest is only charged for the time the loan is outstanding. Paying your installments is also simple with three convenient options.These include:
- Mailing it to us
- Paying on our website
- Pay at an authorized payment center (selected Walmart or 7-11 stores in South Florida) Paying your loan shouldn’t have to be complicated. All payments are secure, and we will never store your banking or card information.
Grace Periods On Late Payments
We offer all of our clients a 10-day grace period on every single payment. Yes, you read right, we give you extra time to make payment. What’s more, is that you won’t be charged a late payment fee during the 10 days. This is our gift to you. If you still can’t pay after the 10-day grace period, we will charge you a late fee. The most important thing to remember is to keep in contact with us. We are real people, and we understand that life can throw us curve balls. You will always speak to a live person when your account is being serviced. Make sure you call us at 954-607-6898 if you know you’re going to be late.Here’s How You Apply
Simply complete an application or call us at 954-607-6898. We will pre-approve you and set up an appointment at one of our authorized South Florida inspection centers. Keep your title number or VIN available as this helps to speed up the application process. We will tell you what to bring with you for your appointment. This generally includes:- Mail item dated within 45 days
- The vehicle being financed
- Your title (or registration if applicable)
- An ID photo of yourself