Choosing the right type of loan to help your financial situation can be tough. If you are in need of fast cash, getting a title loan in Hickory is the best alternative to common secured loans. Secured loans are often discriminatory to those with bad credit ratings, and even past that, finishing the application process takes days, and sometimes weeks. For those of us that do not have the luxury of time, title loans can guarantee you money the moment you sign that contract. Title loan lenders only care about the vehicle under the title, regardless of your credit, job, or income level, getting approved for a loan has never been easier.
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You do not even have to leave your home to pre-qualify for a title loan in Hickory. With the submission of the free online application, you can obtain a title loan estimate with the cash value that you will receive from the comfort of your own home. The only information we need to get you started on the process are things about your vehicle such as the make, model and year. The more recent vehicles, and the better overall condition of your car can boost your chances of being approved for a higher loan amount. To check the approximate amount you may get for your vehicle title, you can refer to Kelley Blue Book. A common misconception about title loans is that the vehicle is taken by the lender in exchange for the loan. However, since its a title loan, we only take the title and you are free to drive your vehicle around in the duration of this contract.
Vehicle titles can be obtained at:
DMV Driver’s License Office
Address: 1158 Lenoir Rhyne Blvd SE, Hickory, NC 28602
Phone: (828) 326-9126
More Information About Title Loans
Title loan lending periods are typically short-term, in addition, title loans are not meant to be used for any permanent lifestyle investments. We advise our customers to know their limits when it comes to borrowing. Knowing your budget and whatever restrictions you may have will help you pay off this loan and get your vehicle title back in no time. Even if you are approved for a higher loan amount, depending on the state, you may be able to negotiate with the lender to lower the offer. With regards to making scheduled payments, you may even submit earlier payments to the lender. There are no penalties in place for customers who are able to pay the loan amount back in a shorter amount of time. The sooner you pay off the title loan, the faster you get your title back.
It is important to discuss with your lender the policies they may have regarding payments and protocols. The lenders are here to help you, and are not operating solely on getting your car from you. We understand that there may be other factors in life that contribute to your inability to pay off the loan. Some lenders may even re-write the contract depending on the circumstance, and allow you to pay it back under a grace period.