Call Us Today (844) 567-5011
Call Us Today (844) 567-5011
Call Us Today (844) 567-5011
Call Us Today (844) 567-5011
Columbus Title Loans
All Credit Types Accepted
Car Title Loans 123 Offers Title Loans In Columbus Of $2,000 Or More
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How Much Cash Can I Get With An Online Title Loan?
Do you live in Columbus and own a vehicle that's titled and registered in your name? If that vehicle is fully paid off and in decent condition, you may qualify for a same day title loan of up to $15,000! These loans are ideal for customers whom a personal loan company has already denied because of poor credit. Instead of relying on your FICO score, a car title loan is offered based on the equity in your vehicle. So, applicants with a paid off vehicle and proof of income should be able to get approved and funded in one business day.
Call Car Title Loans 123 at 844-567-5011 to learn more about title loan lending options in Columbus. If you know how much you'd like to borrow and have your vehicle information we can get you a quote in less than 5 minutes!
The requirements for Columbus title loans are pretty straightforward, and you stand a good chance of qualifying if you own a vehicle. Assuming you have a paid off title on your car and can provide proof of income and residency, you should qualify with no problems. The vehicle has to be free of any cosigners, and you must provide documentation from the Ohio BMV showing current registration and insurance coverage.
Some local title loan companies in Ohio will want to inspect the vehicle, which involves bringing your vehicle to a local retail office. The inspection takes less than 15 minutes, and it's an excellent way to show that your car is in good condition and has no significant cosmetic issues. We repeatedly see title loan companies requiring inspections offer more cash than if you got the loan sight unseen. Not only that, but most of these lenders will distribute your funds immediately after you complete the inspection and sign your contract! That means a loan amount of more than $4,000 versus $2,000 or less if you did everything online or over the phone.
1. Your vehicle is the collateral for the loan. Do you have a 2012 or newer car, truck, or SUV with under 150,000 miles? If so, you stand a good chance of qualifying for a title loan in Ohio! Even if your vehicle is in poor shape or not worth as much as it used to be, as long as it's worth more than $4,000, you should qualify!
2. You won't need excellent credit to qualify. Columbus residents can be eligible for online title loans without fear that their FICO score will cause them to be denied! Most of our customers have poor credit, so they use a vehicle as security for a loan. Unless you're in bankruptcy or facing an imminent vehicle repossession, you don't need to worry about your credit history when applying for a title loan.
3. The approval process is simple to follow. Getting approved for a loan should be no issue if you have a paid-off vehicle. The main documents we need are your car's title and proof of income. Unlike a personal loan, we don't need to see years of bank statements or speak to your employer. The equity from your vehicle is all we need to get you approved.
4. You get to keep your car while making loan payments. Don't worry about giving your vehicle to a title pawning company so they can keep it as equity! The car's pink slip is the collateral, and you'll keep driving your vehicle as long as the monthly payments are made on time.
One thing to expect with an online title loan in Columbus is that you will have a high APR. The average APR for car title loans in Ohio is typically in the high double digits, which means you'll pay a lot each month in just finance charges. Consider an APR of 60% in most instances, but that rate can easily approach 100%! In some cases, these rates are determined by your credit history, but for the most part, they are set per state laws that cap interest charges. The good news is that you can make extra payments on your loan to pay it off early and save on interest. Most lenders will encourage you to do so!
Suppose you ever find yourself in a scenario where you need emergency cash. In that case, you should find the best local lender in Columbus. Car Title Loans 123 has brokered title loans with direct deposit for years, and we know the lending requirements and underwriting specs for most companies near you. Apply for a loan online today and receive a free quote within minutes!
Getting a loan with your vehicle's collateral is great for someone looking to borrow more than $3,000. Compared to other unsecured loans, title loans don't require perfect credit, and there's a decent chance we won't check your FICO score! Getting approved is simple – all you need is a clear and clean vehicle title, proof of income, and documents showing residency within Ohio.
Car Title Loans 123 has been working with borrowers in Franklin County, OH, since 2015, and we can process your lending application in one business day or less. We accept all newer vehicles as collateral, and you stand a good chance of being approved using a 2012 or newer vehicle with less than 150,000 miles. Call us at 844-567-5011 or apply online to see the title loan value of your vehicle today!
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