Illinois Car Title Loans(217) 617-4107
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    Auto Title Loan Questions

    Get all your questions answered here. Car Title Loans in Springfield does their best to answer all your questions.

    Q: How do I get approved for a title loan in Springfield?

    A: The process of being approved for a title loan is simple. Fill out the application form on our website with all the details regarding your vehicle. We will then get back to you immediately with a pre-approved amount which you can borrow. A loan specialist will then contact you to sort out the details of the loan and guide you through the rest of the process. Approval for the loan has nothing to do with your credit history, your credit score, or whether or not you did the extra credit homework. It is all about the title of your car.

    Q: Why should I choose Springfield Title Loans over all the others?

    A: We offer competitive interest rates in order to fight for your business. We offer extended repayment terms, up to 42 months while other companies require you to pay back the loan in full in 90 days. Other companies will tack on penalties for early payment. We never charge prepayment penalties or fees. Nearly all of our customers choose us because our interest rates are the lowest in the state of Illinois.

    Q: Will you contact the references I gave you?

    A: We will need to call your references and your employer to verify the information you've given us. Your personal information is treated careful and in strict accordance with our stringent privacy policies. We do not divulge the nature of the phone call to your references. We verify the information you have provided and that is it. No one will know anything more than that unless you choose to tell them.

    Q: What is an auto equity loan? What is an auto title loan?

    A: Some people call them auto equity loans, some people call them car title loans, even others call them pink slip loans. The terms can be used interchangeably as each region of the country seems to refer to them in their own unique way. Whatever you call them, a title loan is a type of loan where you use the title of your vehicle as collateral for an amount of money relating directly to the value of your vehicle. This is why we need to know all the details about your car or truck used for the loan. We use our database of information regarding values of vehicles to assess the value of yours and determine how much we will lend to you - an amount that can be as high as $40,000.

    Q: After I get final approval on the loan, where do I get my money?

    A: We have over 400 locations throughout the State of Illinois. When you speak with our loan specialist on the phone you will be able to make arrangements to pick up the money at a location that is conveniently located to you.

    Q: Can I still be approved for a title loan in Springfield if I have bad credit?

    A: Yes. We approve loans to borrowers with all types of credit. Some have stellar credit choosing to take out a title loan because it is a simple and quick way to get a sum of cash without the headache of dealing with traditional lenders. Other borrowers come to use because they were turned down by a traditional lender due to credit problems. Sometimes they didn't even know they had issues with their credit until the bank denied them the loan! We don't do a credit check before approving the loan, so your credit history remains your business. Our business is to process your application and lend you the money you need.