Auto Title Loan (17)

What is an Auto Title Loan?

An Auto Title Loan is a secured loan using your vehicle as collateral.  Get the cash you need and still drive your car.  The loan amounts are based on the equity in your vehicle. These loans have low interest rates and will get you the cash you need fast!  Today’s Financial Services Inc, is a licensed lender in the State of Florida under the Consumer Finance Statute 516.  Auto Title Loans are also known as car title loans, vehicle title loans, auto title lending, title loans, auto equity loans, and many more.  Select APPLY NOW and fill out or quick online application for fast loan approvals.

What is needed for an Auto Title Loan?

1.  Complete Secure Online Application

2.  Florida Motor Vehicle Title (free and clear and cannot be a salvage or rebuilt title)

3.  Valid driver’s license and Valid Florida vehicle registration

4.  Two current utility bills in your name at your home address (proof of address)

5.  *Car Insurance

* Proof of Comprehensive and Collision – prepaid for the term of the loan.  If your policy is not prepaid; we can provide an optional debt cancellation damage waiver. If the loan is paid back in full within 30 days of the transaction date, you will qualify for a discount on the optional debt cancellation waiver.

Do I need to be employed?

No, We do not base our loans on proof of income.

How long does it take to get approved?

We will approve your loan within minutes. Once we receive the documents requested from you and you have signed the loan contract funds will be available same day by bank check. You may also choose to get the funds deposited directly to your bank account on the next business day. See funding chartContact us for further details.

Will a bank holiday affect my loan?

Certain bank holidays that land on a weekday may affect your funding.  See funding chart.

Does your company do credit checks?

No, our company does not do traditional credit checks.  We do verify address verification.

Does the Florida Motor Vehicle Title need to be in my name only?

Your name must be on the motor vehicle title, however the title may have a spouse or another person joined with “and” or “or”.  If the motor vehicle title has your name joined with another name by “and” that person must also be included on the online application. If the motor vehicle title has your name joined with another name by “or” that person does not need to be included on the online application.

How much can I borrow?

We base the amount we loan to you from the wholesale value of your vehicle.  Send us a request with your vehicle information, using our contact page.   Include year, make, model, vehicle identification number (VIN), and current mileage.  We will reply to your request ASAP.

Is there a minimum or maximum amount to borrow?

Yes, our minimum Auto Title Loan amount is $500.00 and maximum is $10,000.00.

How long is the duration of this loan?

An Auto Title Loan is a 12-14 months simple interest amortized loan.

Can I pay off my Auto Title Loan early?

Yes, you can pay off your loan early.  There is no pre-payment penalty and we will prorate your loan interest if you pay it off early.

How do I make my timely loan payments?

We have a several choices:  1 ) Set up automatic ACH debit payments to be debited from your checking account on your payment due date. 2 ) Set up a Non-Automatic ACH debit payment, which means the customer needs to call us each month to authorize the ACH debit. 3) Mail a cashier’s check or money order each month. We can supply you with self addressed envelopes to use. 4) Make a cashier’s check or money order payment at our Auto Loan Store location.
Make payable to: Auto Loan Store. See mailing address on the contact page.

What happens if I default on my Auto Title Loan?

Contact us ASAP.  Our company wants to work with you to resolve your loan obligation.  However, if we are unable to resolve your loan obligation in a timely manner and your loan defaults, we will have the right to repossess the vehicle and you will be responsible for all repossession and administrative costs.

Is my personal information safe?

YES! Our website has many redundant security features built into it.  Firewalls help to block access to all customer information.  Our secure data transmission uses up to 256 bit (SSL) Secure Socket Layer encryption.   Therefore, all information to and from your bank is protected.  Your information is kept confidential.  Your information will be processed through our third party verification companies in accordance with our privacy policy for the purpose of fraud prevention and detection. All Florida Motor Vehicle Titles are safely stored as an etitle with FDMV in Tallahassee.  Once the lien is satisfied, the Florida Department of Motor Vehicles in Tallahassee will mail the title directly to your address on file.

My question wasn’t answered here?

We would like to answer all your questions, so send us a message from the Contact page and we will respond within a short time to your request.

What is the best way to apply for a loan?

Get started by selecting our APPLY NOW button.  For any other questions use our contact page. Call us for a free title loan quote 888-573-0132.