title loan background Auto Title Loans in Richmond, Kentucky

Auto Title Loans in Richmond, Kentucky


How much is my car worth?

Car Title Loans in Richmond, KY

Many people in the Richmond area find themselves in immediate need of financing with no real way to get it. Whether you have a big bill due or you’d like to own something you can’t afford, a title loan from us could be the option that you’ve been hoping for.

If you’re not familiar with them, title loans are loans that are provided to borrowers who possess vehicle titles in their names and who use those titles as loan collateral.

How to Qualify for a Title Loan

You’ll be pleased to discover that qualifying for a title loan is actually not as complex as you might think! The eligibility requirements are fairly basic.

We ask that you be an adult, which means at least 18 years of age. We also ask that you own your vehicle fully and have no liens on the vehicle. If there have been liens formerly, we may ask you to show verification that the liens have been satisfied. You will also need a regular source of income, such as a full-time or part-time job, to show that you can pay back the loan.

Typically, if you can meet these basics, you can get a title loan! As long as there is equity or worth left in your auto—and there is in most vehicles—chances are that we can help you! 

What’s more is that you can often borrow as much as you want, providing the total that you wish to borrow is less than the equity stored in your automobile. There are no obscure eligibility requirements or long, in-depth application processes. Just meet some simple criteria, and the loan is yours—just like that.

Superior Speed

If you’re like most title loan borrowers, then you need to have your money as fast as possible. Don’t worry. We definitely understand that, which is why we process loan applications very 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 fast too. Many borrowers are even able to get their funds on the very same day they get approved for them.

This is definitely not the case with more traditional lending options. With those routes, the application process is very long and involved. It can take you awhile just to gather all the mandatory documentation and fill out the application. Then, you can expect to wait several days or even more, especially during busy 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 approved. And, even if you do get approved, you can expect to wait longer for your funds to come through and then even more time for them to clear and be available for use.

As you can tell, 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 way to go if you need to get your money as soon as possible.

No Credit Concerns

The good news is that you actually can get a title loan through us, even with bad credit. Since you’ll be putting up your vehicle title as security, the loan is less risky for us, which means we don’t have to put quite as much faith in your credit. Instead, we base our decision about whether you can borrow and, if so, how much on the worth of your vehicle. The more your car is worth, the more you can generally borrow.

We do examine your credit in most cases, but that’s mainly so that we can offer you the most reasonable interest rate and general loan terms possible. We use your credit, no matter what it looks like, to try and benefit you, not as a mark against you the way some types of lenders do.

How much money does a vehicle title loan offer?

The sum will vary and is reliant on several different factors.

How fast can the loan be completed?

There is no long waiting period. Once we review your application, you can access your money right away.

How do I start?

To learn more, you can call LoanCenter or fill out our contact form to have a personable loan expert call you.

Contact Us Today

Taking out a title loan with us can be a wonderfully good experience for you. We invite you to take the first steps today. The sooner you do, the sooner you can have the funds you need!

Store Locator > Kentucky > Richmond

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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