Title Loans Guaranteed Approval |‌ ACFA

Title loans offer flexible qualifications and are a secure loan option with guaranteed approval. Because there are fewer requirements for funding, more people who need financial assistance could be approved.

3 Simple Steps To Get Guaranteed Approval Title Loans

Here’s how to get your cash 1

  • Call or Click

It is very easy. You can apply online or over the phone.

  • Submit Info

Send documents by 4 p.m. PST to receive your cash that day 3.

  • Make Your Money!

You can have money sent to your bank account, or you can pick it up at a participating location.

Get a Guaranteed Title Loans Approval

You may have heard that lenders will approve title loans if you need emergency cash. You will need collateral depending on which type of loan you select.

If you are in dire need of cash and have a car in your name, you may be a chance to get approval.

What are the Loan Options With Guaranteed Approval?

There are many options available to you if you’re looking for a loan and need guaranteed approval.

Here are some funding options:

  • Title loans

    Title Loans are a type of loan secured by the equity of the borrower’s vehicle. Many title loans allow borrowers to keep their car and pay the loan back while they drive it. Although guaranteed title loan approval may not be possible, most title loans allow borrowers to keep their car and pay the loan back while they go it. 

  • Payday loans

    Payday loans are secured with the borrower’s pay. These loans usually provide only a few hundred dollars and last for an average of two to three weeks. Payday loans can sometimes require access to a primary checking bank to collect the amount due by the due date automatically.

  • Personal loans with secured terms

    A personal loan can be used to fund a wide range of purposes and comes in various periods. A personal loan that is “secured” involves an asset as an additional security measure.

  • Prepaid credit card

    A prepaid credit card sounds exactly like it does. To borrow money, a borrower must first deposit some funds. A few loans allow the borrower to take out more than they have put in. Prepaid credit cards can be used to build or improve credit, but they may also be an option for funding people with poor credit.

  • Home equity loans

    Home equity loans consider the borrower’s property as an asset. A borrower might be eligible for large amounts of funding because the home’s value can be so high. Home equity loans have a longer repayment term than other loans due to their high loan value.

Why car title loans may be a better alternative

Your credit report could be reviewed depending on the car title loan lender to determine if your credit score is low. You don’t have to worry about getting approved for a title loan if your credit is not perfect. Car title loan lenders will approve most consumers with all types of credit 1.

These are why you might be able to get a loan even if your credit is not perfect.

  • It is possible to get the help you need, even if your credit score is not perfect.
  • A person’s bad credit does not have to determine whether they are eligible for a car title loan. This is because, while poor credit ratings pose a greater risk for lenders, the equity in your car and your ability to repay the loan mitigate those risks.
  • Because it reflects the past, the approval of a car title loan does not consider credit ratings.

It might be easier to get a car loan title loan with bad credit than other loans. Because they are a secured loan 1, it is easier to obtain a car title loan, regardless of your credit history (good or poor).

Secured loans are loans where the borrower agrees to provide collateral in return for the loan. The collateral could be a car, a home, or any other property that can “secure” trust between the lender and borrower. A lender will require the vehicle’s qualifying title to approve a car-title loan.

Borrowers must continue to pay their monthly loan repayments on time. They can drive their car as usual when they have title loans. The lender can legally seize a borrower’s car if they default on their title loan. This is why collateral acts as a form of secure trust between the borrower and the lender.

How can I get a guarantee of title loan approval?

There are steps that you can take to increase your chances of getting a guaranteed auto title loan.

For a title loan, ensure that you have these items:

  • Your car title
  • A steady source of income
  • Qualifying vehicle

A lien is placed on the car’s vehicle’s title during the title loan repayment process. The lien can be used to allow the vehicle to go to auction to recover any money owed.

The car is a crucial qualification for a title loan. Your vehicle must be in good working order and have sufficient equity. Equity is the difference between what you owe and the vehicle’s current resale price. You can use an online loan calculator to determine the present value of your vehicle quickly.

You will not be eligible for a title loan if you don’t have a car in your name. You will need a duplicate of the car title if it is lost. You can request a transfer of the title if the car is in someone else’s name or if it was handed down to you.

You must have regular income to be able to pay your monthly title loan payments on time.

Is there a way to get a title loan approval guarantee with bad credit?

Bad credit can make it seem impossible to get a title loan.

A majority of traditional unsecured loans will require a minimum credit score to be eligible for funding. If there is no minimum credit score, the interest rate will be adjusted to account for the risk. There are higher chances of getting lower interest rates if one’s credit history is good.

Bad credit does not mean that someone won’t get traditional funding. It just means that they might have to jump through some hoops.

Secured loans, which involve an asset, may be considered when you need emergency funds with bad credit.

Title loans have a high approval rate, which, unlike traditional loans, almost guarantees that you will get the funds you need.

Don’t be discouraged if you have had financial problems in the past or don’t have a good credit rating. Sometimes payment dates are forgotten, or emergencies can arise. Credit is only a reflection of you. Title loan agents will often work with borrowers with bad credit.

Your car’s title is used to secure your title loan. This could allow borrowers with poor credit to get the financial help they need quickly. 1

Find out more about your credit score and guaranteed title loans

Poor credit could be the reason you are a victim. You might not be able to understand all of the components that make up your credit score. Your credit score is made up of 5 elements. Once you have a better understanding of these factors, you can make the necessary improvements.

  • History of Payment Your payment history determines approximately 35% of your credit score. This is how punctual you are in paying your bills and other financial obligations. Your credit score could be affected if you are always late with your payments.
  • Outstanding balances – These outstanding balances account for about 30% of your total score. They are the amount you owe to other financial institutions, lending companies, banks, or any other financial institution that you borrowed money from. Your credit score will be affected by how much money you owe.
  • Credit History – While it contributes to 15% of your credit score. The duration of credit history is a measure of how long you have been financially active.
  • Type of Credit Used Approximately 10% of your credit score is made up of the different types of credit. This section includes student loans, medical bills, and credit cards.
  • The last 10% of your credit score is made up of the new types of credit. Your credit score is affected every time you get approved for a loan, credit card, or other funding. Your credit score will be impacted if you apply for credit cards constantly.

Do I need a credit check to get a guaranteed title loan approval?

A credit check is usually required when applying for a loan. There are two types: soft credit checks or hard credit checks.

  • Soft credit check: This isn’t likely to affect your current score or show up on any credit reports. This is used to check your credit history and prequalify for lending.
  • Hard credit check: Can potentially alter a score. This inquiry is subject to your approval and typically stays on your credit report for up to 2 years.

Don’t worry if you have poor credit but still want to get a title loan. While a credit check is required for any loan process, it may not be used to make a qualifying decision for most title loans.

Title Loans: What are the Benefits?

Many benefits could be offered by title loans that make them easy to repay. Here are some benefits that qualified borrowers may be eligible for:

  • Quick Approval: Title loans are fast and easy to get approved for.
  • Affordable Loan Payments: Loan payments don’t always have to be a burden on your finances. Title loans are often inexpensive and can be repaid in monthly installments that are less stressful on your budget. 1
  • Title loans can have longer repayment terms than traditional loans. This could enable qualified borrowers to get lower monthly payments that don’t impact their lifestyle or budget.
  • Competitive Rates Eligible borrowers can obtain competitive rates based upon up-to-date analysis of the market and avoid high rates with title loans.

How do I inquire for a title loan with a guarantee of approval?

Although title loans do not always guarantee approval, they can be approved with flexible criteria. However, ACFA could help you qualify for a title loan. A title loan is an excellent option if you have a large bill coming up or an expense that will be out of your budget.

You can complete the inquiry online or by phone in just minutes. To speak to an agent, call HTML5 277 4847. Or complete an inquiry form.

You will only need to give basic information during the inquiry, such as vehicle year, make, miles, style, and current residence. A loan agent will use these details to determine if your vehicle is eligible for pre-approval.

You may be eligible for title loans with bad credit. A title loan agent will contact you shortly after to request documents to confirm your identity.

These documents will provide more information about your financial and personal history. We need all the information to be able to help you properly. These are the documents that your title loan agent will ask for:

  • Photo ID issued by the government
  • Documentation proving residence
  • Evidence of income
  • Your name and title to the vehicle

Sometimes, your agent may request additional documents. However, they will inform you if this happens.

Once you have all your documentation for funding, it’s time to take pictures of your car. It doesn’t matter if you bring your vehicle in person. A few photos taken with your smartphone will suffice. The images can be sent directly from your smartphone by sending a text message.

Natural daylight is the best way to get great photos of your car. To avoid having your car look dimmed and unreadable, you can pull it into your driveway instead of keeping it in a garage. Take multiple photos from different angles and sides to get a better view of your car. 

Also, make sure you have the vehicle identification number and the odometer reading. A good view of the car will be possible with 4-5 photos.

After you have been approved and received all documentation and photos of your vehicle, you can sign the loan contract and get your money! Either in person or electronically, you can sign your loan agreement.

We can then send your money in a variety of ways to you:

  • Electronic deposit: If your bank account is open, we can electronically deposit your money into it.
  • Check: Get your money by mail.
  • MoneyGram You can get your money at a Wal-Mart or other participating MoneyGram locations if you live close to one.
  • In-Person: Stop by our licensed location to get your money or visit a participating store in person.

You can expect emergency cash within 24 hours of approval due to the fast title loan process. 3


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