Online Title Loans
Fast Title Lenders - your inside authority on getting the best online title loan.
Online Car Title Loans made Easy
Doing something for the first time can be challenging, the same is true with title loans. Getting a title loan, especially for the first time, can be a difficult process, but it doesn’t have to be.
It can be simple, fast, and painless when have the right information and learn how to get the best title loan that meets your needs.
Getting this information can be the challenging part. Title lenders are not always known for transparency. Our goal is to provide title loan customers with the information needed to make an informed decision and complete the process fast, the first time.
When you prepare properly and have the right information, you can leave the long and painful process behind and make getting a title loan fast and easy.
With completely online options it’s no longer necessary to find a close lender. Today there are options that include an entire process that is 100% online with no inspection, no store visit, no credit check, and even no phone calls.
Simple, Fast, Funded
We understand loans are often needed for unplanned expenses and emergencies. Speed is often a top priority. While speed may be important, it can be a weakness that some lenders may exploit. Don’t let speed out prioritize getting the best possible title loan.
Not everyone has a large savings account or readily available credit for emergencies. Having equity in a vehicle can help bridge a short term financial gap. The key here is short term – title loans are not long term solutions.
Preparing and having the right information not only helps you get the best deal, it also helps ensure your loan is completed quickly without unnecessary delays. If speed is important to you, make sure you understand everything necessary to get your loan funded fast.
Fast title loans can be obtained for a variety of vehicles, with lower payments, in as little as 30 minutes; and for online title loans the same day. Why pay more for the same loan?
No Phone Call Options
Unable to make or take a phone call during the day? Find an online title loan with no phone calls.
Better Interest Rates
There are better and more affordable options to title lenders that charge high interest rates. Why pay more?
Fast Online Service
A streamlined and optimized process means faster online service. Simple, fast, funded.
Online Car Title Loan Benefits
Car title loans online offer a number of benefits, although it is important to note that not all lenders are the same.
An optimized and streamlined process, combined with a lower interest rate, equals a better experience. Some auto title loan benefits to look for include:
- Easy Instant Online Application – start the process fast 100% online at any time
- Real Time Estimate 24/7 – get cost information any time from anywhere
- Keep Driving your Car – no disruption to transportation
- Refinance Options – save by refinancing a title loan with a lower rate and payment
- Your Car is your Credit – no credit check options
- Title loans without the car – no need to bring in the vehicle
- No pre-payment penalty – pay off your loan early any time
- No Hidden Fees – understand all fees up front
These benefits will have a positive impact on getting a title loan. If you find a lender that doesn’t offer most of the benefits listed, keep looking. You do not have to sign a loan agreement just because you filled out an application. As the customer, you are in control. Don’t let any lender talk you into anything you are not 100% comfortable with.
With Benefits come Costs
As with just about everything in life, with benefits there are also costs, which many lenders do not like to talk about. The cost of the loan is probably the number one factor to consider. Some lenders try to minimize the importance of this, but it is essential to understand all cost factors related to your loan.
The fact is title loans are expensive, especially compared to some other loan types. With some lenders, these costs can be, and often are, excessive and not affordable.
Perform a cost benefit analysis and weigh the benefit of the loan versus the cost. This helps make sure you get a solution and not a problem. A costly loan that you can’t repay can turn into a big problem – avoid this by finding a better loan.
It is important to note that title loans are meant to be short term solutions. Trying to turn one into a long term solution results in excessive costs and can end badly.
With Fast Title Lenders finding the cost of title loans is easy. Simply use the title loan calculator to get a real time estimate with a full payment schedule. Your car is collateral for the loan, so credit score does not dictate the loan amount. Vehicle value does.
How to Get a Title Loan Online
Getting a title loan online does take some preparation. We recommend completing the following three preparation steps prior to applying for a title loan:
1. Value your Vehicle
The value of your car plays a vital role in a title loan. Having that value prior to applying will help
2. Review State Laws
Title loans are different in every state. Review the laws in your state so you understand what is and isn't permitted.
3. Find the Best Lenders
Find several of the best lenders. Yes, we said several. Having more than one option provides some flexibility.
You are the Customer
When getting a title loan, especially for the first time, it can feel like the lender is in control of everything. This is not a great feeling, and can lead to signing a loan agreement with unfavorable terms. Remember, you are the customer. You hold the cards. If the deal doesn’t feel right, walk away. If you feel like you’re being pressured into something that isn’t right, walk away.
The best title loan companies will treat you like a customer. Unfortunately, there are plenty that know most of their customers don’t have a lot of options and take advantage of their situation.
How to find the Best Online Title Loan Company
Finding the best company that can meet the requirements for your situation should be at the top of the list. This can be difficult depending on where you look and what you look for.
Try to avoid simply searching only for the title loan place that is closest to you; instead find the best place with the lowest rates. With more online auto title loan options the deciding factor does not have to be whether or not the location is close to you.
We realize it can be challenging to find accurate information, and, more importantly, determine how to recognize accurate sources of information from the marketing sources.
Most published articles today have an agenda. Many are ways of advertising for either title lenders or their competitors. With this in mind make sure to read multiple sources and pay attention to the publisher. Use common sense when you find a site with forms to fill out on every single page and pop-ups asking for your information multiple times.
So, what makes the best title loan company? Is it: Size? Cost? Reviews? Availability? Service? Location? Reputation?
The right answer is the company that provides you with the “best solution for your situation”. Obviously you want to make sure they are reputable.
Cost, honesty, transparency, and convenience are some of the characteristics that factor in. Of course, finding a title loan place that is close to you is also a plus.
There are plenty of companies claiming to be the best. The best company for one situation may not be the case for another.
Finding the Best Title Loan Place
Now that we’ve covered what makes the best title loan place, how do you find a title loan near you from the best title loan place? Preparation is typically a good place to start.
Define your needs, get an idea of your loan amount and term, know your vehicle’s value, and search for the title loan company that can offer a solution that best meets your needs.
Sometimes neither the closest place nor the first result in a web search is the right choice. In fact, the opposite is often true. Some of the best title loans are from smaller companies that offer lower rates and better service.
Take some time to find the lender that you feel most comfortable with that provides the most appropriate loan for your situation. This often includes looking into more than just the closest lender.
The Lowest Title Loan Rates Matter
Lower interest rates result in cheaper payments for the same loan amount. In many cases you can save hundreds or thousands of dollars in interest costs simply by asking for a lower rate. Find out more about negotiating your title loan.
Our philosophy for finding the best title loan company is simple and includes choosing a company with the following core principles:
- Offer the lowest rates possible;
- Provide the best customer service;
- Freely provide a real time estimate;
- Offer online options; and
- Approve and fund loans fast.
This method typically works and helps customers find a solution that can help meet their short term financial needs.
Fast and Accurate Information
Fast Title Lenders believes every customer deserves an accurate estimate and quote.
Some lenders prefer to get the customer invested in the process and do either one of two things:
- Provide the costs at the last minute.
- Change costs at the last minute
They do this for one reason – to increase the loan costs with the hope that you will sign the loan agreement anyway.
At this point during the process you’ve already spent time, provided information, been approved, and are very close to getting your cash. The lender is hopeful that you’ll sign the loan agreement, regardless of the excessive cost. While it may be tempting to sign and just get on with your pressing need, getting stuck in a costly loan is not what anyone wants.
How Important are Locations Near You?
Many people perform a web search for title loans near them, and then pick the first lender they find and hope for the best. Unfortunately, this doesn’t always result in the best title loan. Lenders can be and often are very different, and interest rates and costs can and often do vary widely between lenders.
Don’t get stuck in a high interest loan because you rushed into it without considering alternatives. One benefit of an online title loan is they don’t need to be located near you.
Different states also have different regulations. Texas, for example, has comparably low APRs but there are usually other fees that often make up for the difference. Title loans in Orlando Florida are 30 day single payment loans, another big difference.
Additionally, with more online options, finding the closest lender is no longer nearly as important that it once was. Finding the best deal is.
Vehicle Value - Important Factor
Vehicle value is a primary factor in determining how much you can borrow with a car title loan, not your credit score. If getting top dollar is important to you, then find out the value of your car before you apply so you know what to expect.
If you haven’t checked your vehicle’s value recently, then now may be a good time to do so. This will give you an idea of what the max loan amount may be. Key factors that are important when determining what a car is worth include:
- Year
- Make
- Model
- Mileage
- Condition
- History
A vehicle title loan is secured by your car, truck, motorcycle, or SUV. The value of your vehicle will absolutely affect the amount you can borrow. Having an idea of what your car is worth will help you prepare.
Have a classic or collector car? Classic car title loans are a popular option for car owners that do not want to part with a collector car that is not replaceable. You can also use your motorcycle title to borrow money using the equity in your motorcycle.
A vehicle’s fair market value is what a willing buyer would pay for the vehicle today. You can get an idea from one of the online valuation tools like NADA, Kelley Blue Book, or others.