Borrow $2,000 Or More With A Car Title Loan In Utah

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What Is My Vehicle Worth In Utah?

Car Title Loans 123 offers fast approval title loans in Utah!

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How Car Title Loans Work In Utah And What You Need To Qualify

Getting a car title loan has never been easier and most applicants can get approved using a lien free vehicle as collateral. You can apply online or over the phone in Utah and get approved fast. The helpful staff at Car Title Loans 123 has offered access to these secured loans in Utah for years, and now we offer pre-approvals where all we need is your desired loan amount and the vehicle's make, model, and year. So, it's easy to qualify for funding, and you can submit your documents, agree to the lending terms, and complete a vehicle inspection in just a few hours. Borrowers can expect their funds in less than one day, and you don't need good credit to qualify!

 

Here's what you need to qualify for a title loan in Utah:

- Proof of Utah residency (utility bills, state ID, etc.). The best way to verify your identity is with a passport, driver's license, or state ID from Utah.

- Active checking account. A direct lender that funds online title loans can not deposit funds to a closed or inactive account. This is because most companies do not accept post-dated checks under any circumstances. Also, you probably won't be able to use a savings account as lenders are firm when requiring checking accounts with direct deposits.

- Title to a paid off car with no liens attached. If you have unsecured loans on your vehicle, it will require a repo waiver from your lienholder and if you still owe money on your motor vehicle, then we cannot help you. There are few exceptions depending upon the value of the vehicle; therefore, ask before applying and think about other ways to get cash with your car as collateral!

- Proof of income. We can't offer a title loan if there's no guarantee you can repay the loan. Verify income with employment records, social security documents, or bank statements. Applicants who make $2,500 a month should have no issue qualifying for a car title loan in Utah.

 

Can I Get Approved For A Car Title Loan In Utah With Bad Credit

Yes, you can get approved for a bad credit title loan, and most lenders in Utah won't even check your credit score!

No initial applications require supporting documentation, so you don't need to fax anything, which is true for standard secured loans. We do not run credit checks with any bureaus because we know bad credit doesn't mean you're a risky borrower. It simply means you've had past issues paying your financial obligations. But this has nothing to do with your ability to repay the loan. Get started now by applying online with Car Title Loans 123! We can help customers in Salt Lake City, Ogden, or anywhere else within the state, and we won't worry about your FICO score!

 

Canyonlands National Park in Moab UT

 

Does My Car Need To Be Paid Off & How Much Can I Get With A Car Title Loan In Utah

If your car is paid off and you haven't filed for bankruptcy within the last seven years, Car Title Loans 123 can help you. While there may be situations where you can get approved with a car that's not paid off, it may be challenging to get a high loan amount because you don't have a pink slip that can be signed over to a lender.

Loan amounts vary depending on the value of the motor vehicle being used as collateral, but most applicants in UT get approved for $2,000 or more, with amounts maxing out at $20,000. Now, if you live in Metro Salt Lake City, Orem, or St George, you may be able to shop around with neighborhood finance companies to see if you can borrow more cash and get a better rate and finance term. Applying online is great, but shopping around for higher loan amounts in Salt Lake City or Provo can lead to a situation where you can easily borrow more than $2,000 with a title loan.

 

How Fast Can I Get Money With A Vehicle Title Loan

With a Utah title loan, you can get the cash that same day, and you can be approved in as little as 30 minutes if you visit the nearest lender location within the state. The application process for online title loans is fast, and we've selected a handful of direct lenders in Utah to ensure they are capable of offering quick approval while still giving you a competitive rate on your secured loan.

If your vehicle is completely paid off and you own it free and clear then there is no reason you can't fund your loan within 24 hours. Some applicants will need more than one business day, depending upon their situation, but this would be handled by calling or emailing the customer service team at Car Title Loans 123 for more information about how long funding might take for your situation.

To apply over the phone, call us at 1-844-567-5011 or visit us online to see how much you can borrow with a car title loan in Utah!

 

*INTEREST OF 36 PERCENT PER YEAR PLUS THE CURRENT FEDERAL FUNDS RATE. TITLE LOANS HAVE ANNUAL PERCENTAGE RATES THAT START AT 3% A MONTH AND GO UP FROM THERE. APPROVAL IS BASED ON AND SUBJECT TO THE APPLICANT SATISFYING THE CREDIT REQUIREMENTS IN PLACE BY TITLE LENDERS. SOME LENDERS MAY REQUIRE APPROPRIATE COLLATERAL, SUCH AS THE VEHICLE’S PINK SLIP.


THE SPECIFIC LENDING AMOUNT, PAYOFF TERM, AND APR OF A TITLE LOAN THAT THE APPLICANT QUALIFIES FOR WILL VARY BASED ON EACH UNIQUE SITUATION. ANY PERSONAL LOAN SHOULD BE INTENDED FOR FINANCIAL EMERGENCIES OR TO MEET REAL-TIME PERSONAL OR BUSINESS NEEDS. THE MINIMUM AMOUNT OFFERED WITH A TITLE LOAN ONLINE IS CURRENTLY $2,501. ALL APPLICANTS WILL NEED TO SHOW AN ABILITY TO MAKE ON-TIME MONTHLY PAYMENTS AND ULTIMATELY PAY BACK THE LOAN. BORROWERS ARE URGED TO MAKE EXTRA OR EARLY PAYMENTS AS A WAY TO PAY OFF A TITLE LOAN EARLY AND AVOID EXTRA INTEREST RATE CHARGES. SEE CHART BELOW SHOWING EXAMPLE RATES AND PAYMENT TERMS.

Annual Percentage Rate Finance Amount Amount Financed Min Payment Monthly Payment Total Months
34.89% $1012.80 $2511.00 $143.95 $3474.80 22 minimum
34.37% $2043.05 $2520.00 $102.02 $4436.88 42 maximum

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