Same Day Funding With Auto Title Loans In Washington


Car Title Loans 123 is here to help you get a loan in the state of Washington. Most people struggle to find a lender that will offer high loan amounts with quick payments. Unsecured loan companies will also want perfect credit and that can be difficult in this day and age. Because of those concerns, more and more people are turning to car title loans to get cash from the equity in their vehicles. These secured loans allow you to borrow up to $15,000 and the loans can be approved and funded within one business day in most cases!


What Are The Requirements For Title Loans In Washington?

You must own the car outright and have the title in your name. The vehicle title needs to be clear of any liens and you can’t have any additional loans attached to it.

You must be at least 18 years old with a valid driver’s license or state ID

You must live in Washington State. Some Seattle title loan companies will allow you to reside in other states, but the vehicle must be titled in Washington.

You must have a verifiable income that shows adequate funds coming in each month. That way the required monthly payments are made on time with no delay.

The car cannot be more than 10 years old. This is not always going to be a hard and fast requirement, but older vehicles with mileage over 100k will be tough to qualify as they’re not worth as much and there’s limited equity.


What Are The Rates For Title Loans In Washington?

Rates for title loans vary depending on the lender, but generally, they are lower than unsecured loan rates. Expect to pay around 3-8% interest per month on a car title loan. That may not seem too bad and it’s not if you plan on paying off the entire loan amount early. But keep in mind, that the interest rates for title loans in Washington or any other state are always going to be high and over the course of a year can approach 100%. These are high interest loans and you should consider other forms of borrowing before you take out a title loan.


Borrow amounts up to $15k from a licensed lender in Seattle.

How Long Do I Have To Pay Back My Title Loan In Washington?

The length of time you have to pay back your lender will depend on the amount you borrow and financing terms. Typically, you will have a repayment period between 12 and 36 months. You should always try to pay off the loan sooner than the terms require, as that will save you money in interest payments, and most importantly you will get your car’s title back.


Can I Get A Vehicle Title Loan In Washington With Bad Credit?

Yes, you can still get a title loan with bad credit in Washington. There are a few things that will work in your favor. One is that car title loans are secured loans and because of that the lenders are more lenient when it comes to credit scores. You may have to pay a higher interest rate but you will still likely get approved for a loan. The other thing that works in your favor is that you have a vehicle to use as collateral. The lender knows they can take possession of the car if you stop making payments. The fact that they can repossess a vehicle will often make them feel more comfortable with giving you a title loan for poor credit or no credit history.


Can I Refinance My Existing Title Loan In Washington

Yes, you can refinance your existing title loan in Washington. This is a great way to get a lower interest rate and save money on payments each month. You will need to have somewhat decent credit in order to qualify for refinancing and the terms of the new loan will likely be shorter than the original.

Another benefit of a title loan refinance is being able to get back to current on your payments if you fell behind for some reason with your original lender. Perhaps the monthly payment was too high or you missed a due date here and there. When you refi an existing car title loan in Washington that will reset the financing terms and get things back on track.


Apply With A Title Loan Lender In Washington Or Online

There are a number of title loan lenders in Washington, with storefronts located in most of the larger cities like Seattle and Kirkland. You can also apply for a vehicle registration loan or car title loan online and receive the money in your bank account the same day.

The application process is simple and takes just a few minutes to complete. You will need to provide some personal information, such as your name, address, date of birth, Social Security number, and employment information when you apply for an online title loan with Car Title Loans 123. You will also need to provide details about the car you’re using as collateral, such as the make, model, and year.

After you submit your application it will be reviewed by a loan underwriter. If you are approved you will likely get a call or an email soon after notifying you what the next steps are and how to schedule the vehicle inspection and document signing.


Find A Local Secured Lender In Seattle

People looking for title loans in Seattle will often have no trouble getting cash that very same day if they apply with a direct lender that’s in their neighborhood. The reason for this is that it can take up to 2 days for a finance company to wire or send cash to your bank account by ACH. However, a local lender that allows you to meet with them in person can offer same day approval with the option to pick up your money in person. So anyone looking for title loans in Seattle can apply and actually get their payout within less than an hour from any of the direct lenders that operate in King County, WA!

Contact us anytime to get started with an application for a title loan in Washington. You can fill out the form online or call us at 844-567-5011 and we’ll do our best to get you the cash you need from the equity in your vehicle.


Choose an auto title loan lender in WA that lets you pay off the loan early.