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Lubbock is a wonderful place to live. Unfortunately, life sometimes gets out of control, even in this beautiful place. If you are grappling with your living expenses or with buying purchases you want or need, you’re not alone. Many Lubbock dwellers have this issue.
Your vehicle can help you get the cash you need!
That method is to take out a title loan through LoanCenter. These are loans that are given based on your ability to provide your vehicle title as security on the loan.
If you’re willing and able to do that, then you can get a title loan from us and get the funds you need right away! Plus, you’ll enjoy a lot of other great perks along the way.
There are many lies about these types of loans. One of the most widespread is that title loans require you to give your auto 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 vehicle as you complete the loan.
Your car never has to leave your possession at any time, which should help you to relax! If worrying about what you would do without a vehicle kept you back from applying for a title loan, now you know that this is not a valid concern. 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 shy away from title loans, ask LoanCenter or research them yourself. You’ll find that these loans are a lot more basic and more straightforward than most people give them credit for.
An upside of financing with us is that we can help people from all walks of life. In fact, we often approve people who have poor credit or lower than average incomes. And, once we choose to work with you, we’ll keep working with you.
We offer flexible repayment terms, and we’re easy to deal with if you need to make any changes to your payment agreement. Just let us know!
Also, unlike many other lenders, we do not charge a fee or penalize you in any way for paying your loan off early. In truth, we think it’s a wonderful way for you to save money, and we even encourage it because we truly are on your team!
If you want to work with lenders who make you feel like family from the first time you contact them up until the day you pay off your loan, you want to work with us!
Here at Loan Center, we do take a look at your current credit score and overall credit history. However, if these things are not ideal, don’t assume that you cannot borrow from us. We pride ourselves on always looking at 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 enter into a loan agreement with poor credit or no credit leave it with a much improved credit score. That’s because, as you make your loan payments on time, this information may be reported to the credit bureaus, thereby raising 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 assist 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.
Your income, general credit score, and car value are all factors.
To be considered eligible, you’ll need a lien-free vehicle title in your name and a demonstrable source of income.
You may fill out your application online, or you’re welcome to do it in person or via the phone. Taking out a title loan courtesy of us can be a wonderfully positive experience for you. We invite you to take the first steps right away. The sooner you do, the sooner you can have the funds you need!
Frequently Asked Questions
This can depend on the lender, but typically all owners listed on the title would need to agree to the loan.
You can apply at a physical store or online with a title loan lender.
Most lenders will require full insurance coverage on your vehicle for a Texas Title Loan.
As with many loans, there are risks. The biggest risk is potential loss of your vehicle if you can’t repay the loan.
Generally, you can only have one Texas Title Loan at a time per vehicle.
No, typically you can’t get a Texas Title Loan if there’s a lien on your car.
You’ll need a clear vehicle title, government-issued ID, proof of income, and proof of residence.
Yes, many lenders offer online applications for Texas Title Loans.
Yes, title loans are legal in Texas, with regulations in place to protect consumers.
Yes, most lenders allow early payoff without any penalties.
Interest rates vary by lender, but they are typically high due to the short-term nature of the loan.
Yes, you can usually keep your car while you’re repaying a Texas title loan.
No, you don’t need to be employed to get a Texas Title Loan. However, you need to show that you have a way to repay the loan.
In most cases, you can get a Texas title loan the same day you apply.
If you can’t repay the loan, the lender has the right to repossess and sell your vehicle to recover the loan amount.
Yes, Texas Title Loans are typically based on the value of the vehicle, not your credit score.
The process generally includes an application, title verification, vehicle appraisal, and approval. The loan is disbursed soon after approval, usually on the same day.
The loan amount varies based on the value of the vehicle and the lender’s policies. In Texas, the loan amount can be up to $10,000 or more.
To get a Texas title loan, you give the lender your vehicle title in return for a cash loan. After the loan is repaid, the title is returned to you.
A Texas title loan is a loan that uses your vehicle’s title as collateral. Borrowers in Texas can take advantage of these loans even if they have bad credit.
