Car Title Loans in Kirkland, Washington
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If you reside in the Kirkland area and are in need of financing, then you should educate yourself about title loans, which are available through LoanCenter.
In case you’re not aware of this type of loan, a title loan is a variety of personal loan. However, unlike other personal loans, these loans are protected by a very specific piece of collateral: your automobile title. As such, you will need a car title in your name with no liens against it in order to qualify.
If you can meet these easy eligibility requirements, then you are a great candidate for a title loan, which can provide many positives to your life in Kirkland.
Easy Qualification Process
You’ll be pleased to know that qualifying for a title loan is actually not as difficult as you might fear! The eligibility requirements are actually pretty basic.
We ask that you be an adult, which means at least 18 years of age. We also ask that you own your vehicle in full and have no liens on the vehicle. If there have been liens in the past, we may ask you to show verification that the liens have been resolved. You will also need a verifiable source of income, such as a full-time or part-time job to demonstrate that you can pay back the loan.
Typically, if you can meet these qualifiers, you can get a title loan! As long as there is equity or worth left in your vehicle—and there is in most vehicles—chances are that we can help you!
As you can tell, the qualifications for title loans are not extreme. Almost anyone can get one. And, the more your automobile is worth, the more money you can get. So, if you have a newer car or a car that’s otherwise expensive, getting the money you require shouldn’t be an issue. You can generally borrow any amount that’s less than the car’s total value.
However, drivers with less desirable cars can still borrow. And, sometimes, borrowing smaller amounts with an older vehicle or just not taking the total amount you’re offered can be smart. It can make the loan more manageable and easy to pay back. Ultimately, we’ll let you know what you can borrow, and then you can make your own decisions from there.
Quick and Easy Financing
If you’re like many title loan borrowers, then you need to have your money as soon as possible. Don’t worry. We definitely understand that, which is why we process loan applications incredibly quickly. You can get approval from us in just a few minutes of your time. And, even better yet, we’ll get you your money quickly too. Many borrowers are even able to get their money on the very same day they get approved.
This is definitely not the case with more traditional lending options. With those methods, the application process is extremely long and involved. It can take you awhile just to gather all the required documentation and fill out the application. Then, you can expect to wait several days or even longer, especially during high-need times, for your loan application to be processed. Since approval rates are low, you could wait all that time just to find out you’re not getting the loan. And, even if you do get approved, you can expect to wait longer for your money to come through and then even more time for it to clear and be available for use.
As you can see, other types of loans really aren’t a good choice for the borrower in a time crunch. So, even if you can qualify for other borrowing options, title loans are the best choice if you need to get your money as soon as possible.
Improve Your Credit
Here at Loan Center, we do take a look at your current credit situation and overall credit history. However, if these things are poor, don’t assume that you cannot borrow from us. We pride ourselves on always seeing the “big picture” of a borrower and offering loans to people with both great credit and poor credit or even no credit at all.
What’s even better is that many of the borrowers who go into a loan agreement with poor credit or no credit leave it with a much enhanced credit score. That’s because, as you make your loan payments on time, this information may be reported to the credit bureaus, thereby increasing your score. And, when you pay the loan off, that can serve as a major boost to your credit score.
In these ways, a title loan could potentially help you both in the short-term and the long-term. Many of our borrowers, after successfully paying off their title loan agreements, are able to qualify for more and more diverse lines and types of credit in the future.
How quickly will I acquire my loan money?
There is no long waiting period. Once we review your application, you receive your funds right away.
Can you use the loan funds on anything?
You may use your loan amount on anything you want, no questions asked.
Who is eligible for an auto title loan?
Don’t worry! Great credit isn’t required to qualify for an auto title loan, but you will need a car title in your name and a regular source of funding.
Get in Touch with Us Today!
In all of these areas and a whole lot more, title loans might just be the financial answer you’ve been looking for. To learn more, fill out our easy online form or call us. We’ll answer your questions and, when you’re ready, get you started down the path to applying for your own title loan.