title loan background Vehicle Title Loans in Ammon, Idaho

Car Title Loans in Ammon, Idaho


How much is my car worth?

Most residents of Ammon, Idaho have landed in a situation in which they seriously needed cash, but were unsure as to how to get it. If you’re currently in that dilemma, know that you’re not alone, and that you likely have more options than you think. 

One of the best of those options, however, is taking out a LoanCenter title loan. If you own a car, then there’s a very good chance that you can get one of these loans through the professionals here at LoanCenter. We take joy in lending to all kinds of people in all kinds of situations. As long as you’re willing to use your vehicle title as loan collateral, then we’ll do everything we can to assist you and to ensure you get to enjoy the many benefits of title loans.

The Truth About Title Loans

There are many misunderstandings about auto loans. One of the most bizarre is that title loans require you to give your car over to the lender. However, this is not true! The truth is that you use your title as collateral, but you still get to keep using your car as you complete the loan. Your car never has to leave your ownership at any time, which should help you to feel more secure! 

If worrying about what you would do without a method of transportation kept you back from considering a title loan, now you know that this is not a real worry. In fact, there are many pieces of inaccurate information floating around about title loans! So, before you believe something that gives you pause or makes you worry, ask us or research them yourself. 

You’ll find that these loans are a lot simpler and more straightforward than most people give them credit for.

So.how do auto loans really work? 

While most types of loans have very extensive criteria that borrowers must meet in order to qualify, car title loans are not nearly as strict. So, even if you have been deemed unqualified for other types of loans, there’s a good chance you can still receive a title loan. Of course, you do need a car with a clean title. If there have been any liens on the vehicle in the past, that doesn’t necessarily disqualify you, but you may need to prove that those liens have been lifted before you can qualify.

Aside from the vehicle title, you’ll need proof of identity, as well as proof of verifiable income. This is to demonstrate that you’ll be able to fulfill the loan. In terms of your credit, you can qualify even with imperfect credit or no credit, though having good or decent credit can help you to qualify for a lower interest rate. However, even when borrowers have bad credit, we still provide some of the most reasonable interest rates around.

As you can tell, the qualifications for title loans are not difficult. Almost anyone can get one. And, the more your automobile is worth, the more money you can get. So, if you have a recent car or a car that’s otherwise worth a lot, getting the money you want shouldn’t be difficult. You can usually borrow any amount that doesn’t exceed the car’s full value.

However, drivers with less desirable cars can still borrow. And, sometimes, borrowing lesser amounts with an older vehicle or just not taking the entire amount you’re offered can be smart. It can make the loan more reasonable and easy to pay back. Ultimately, we’ll tell you what you can borrow, and then you can make your own decisions from there.

Superior Speed

While car title loans bring a great many benefits to Ammon borrowers, perhaps one of the best is just how quickly they can get their loan amounts once approved, especially when compared to other borrowing alternatives, like banks and more traditional lenders.

When you borrow via these more traditional alternatives, you can expect a consuming application process that includes highly personal information, much of which may be difficult to find. As a result, simply submitting your loan application can take several days if not weeks. Then, you have to wait many business days or longer to learn if you’ve even been accepted for the loan. And, since most other lending methods have stringent credit and background rules, there’s a fair chance you won’t be approved, which means you could waste all that time just to get nothing.

Even if you are approved for another type of loan, you can expect to wait several business days or more to get your funds and then more time for the funds to clear and actually be available for use. Nothing about this procedure, if you can even get approved, spells speed or efficiency.

If you’re not in a situation where you can wait and wait for a loan you might get, a title loan from LoanCenter is clearly the greatest option. We work diligently to quickly approve your application. And, if you do get approved for the loan, we’ll make certain you get your loan amount as soon as possible. In fact, in most situations, our customers get their loan money delivered and ready for use on the very same day that they apply.What’s even better is that you can use these loan funds however you want. Unlike other types of lenders, we’ll never ask you why you need the loan or what you plan to do with it. As long as you can qualify for the funds you want, which isn’t hard to do in most instances, you can get your money from us and you can get it fast.

No Credit Concerns

You may be concerned about your credit, especially if it has caused you to be turned down for other types of loans in the past. Rest assured, however, that title loans are not like other types of loans.

While other loan types may require superior credit for you to even be considered for approval, we are happy to work with borrowers with all types of situations and with all types of credit scores. And, while decent credit can definitely help you to get the best possible terms for your loan, it’s not a must. Furthermore, our rates are so fair and reasonable that, even with poor credit, we can still assist you.

Don’t be afraid to apply with us, no matter what your credit looks like. In fact, borrowing with us could even potentially boost your credit since making your payments might cause your credit score to increase, thus making you eligible for more and more widespread lines and types of credit in the future.

Commonly Asked Questions About Title Loans

What can you do with the funds?

The funds can be used for bills, a large purchase, or really anything you want, though it’s always best to use them responsibly.

Are you qualified for a title loan?

If you have a profession or other source of funding and own an automobile, you can get an auto loan, even with imperfect credit.

How do I begin?

You can begin by submitting our convenient online form, giving us a call, or coming in to your most convenient office. 

Contact Us Today

Store Locator > Idaho > Ammon

Personal Loan benefits

  • Fast approvals
  • All credit scores accepted with proof of income
  • Repos and bankcruptcies OK
  • Keep your car during the life of the loan

If you have questions, we have answers. Head over to our Frequently Asked Questions.

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