Has a financial emergency surprised you and left you with no way to pay for it? If you need cash within 24 hours to pay for an urgent emergency, online title loans in Texas can help. You can get 24-hour online title loans to receive up to $15,000 within one business day to handle your emergency swiftly.
In this guide from Texas Car Title and Payday Loan Services, Inc., we will explain how you can get a car title loan in less than 24 hours. We will describe the process, so you can learn how to get approved for the emergency cash you need today.
Getting 24-Hour Online Title Loans: A Step-By-Step Guide
Title loans are fast-approval loans that let you get approved in just a few easy steps. The whole process can take just a few easy steps, all of which you can complete the same day you apply.
Title loan approval can take less than 30 minutes by filling out an online form and visiting the loan lender in person to verify you meet their requirements. After approval, you will receive your funds within one business day to resolve your financial emergency quickly.
Here is a step-by-step guide for how to get title loans in 24 hours:
1. Prepare The Required Items
Before beginning the process, you must ensure you can get approval, or you will just waste your time. To get approved for a title loan, you must own your car, truck, or vehicle outright. That means you have fully paid off any loans, debts, judgments, or liens associated with the vehicle.
You must also be at least 18 years old, as Texas law requires only legal adults to enter into contracts like the one required for a title loan. As long as you meet these requirements and have the required items, you should be able to get approved.
You should also gather the required items ahead of time, which include:
- A driver’s license or state-issued photo ID that displays your full name and age
- A lien-free vehicle title in your name
- Your vehicle for a quick inspection
If your vehicle title is not in your name, you will have to get a title transfer at your local DMV by filling out forms and paying a small fee first. Once you have everything ready to go, you can begin the process with the online form.
2. Fill Out The Online Title Loan Form
When working with Texas Car Title and Payday Loan Services, Inc., you can easily begin the process on our website with our simple online loan form. It takes less than five minutes to fill out. You can provide your basic information to one of our Texas stores to jumpstart the title loan process.
The following is the information you will have to provide on the online form:
- First and last name
- Email address
- Phone number
- Zip code
- Vehicle year
- Vehicle make and model
- Vehicle series and style
After clicking that you agree to the terms and conditions, you can submit your form. A loan representative at the nearest Texas store to your zip code will receive it, review your information, and call you to discuss the next steps.
3. Discuss Title Loan Details On The Phone
Make sure your phone is on and near you because we will call you shortly after you submit your online form. During this conversation, we will verify the information you provided and ask for more to give us a clearer picture of your finances and what you’re asking for.
We will also go over the rest of the process and what you need to do to get approved. You can also ask questions about title loans to verify the information you need to determine if it is the right financing option for you.
Here are some questions you can ask:
- How much can I get approved for?
- How is title loan value determined?
- What vehicles can qualify for title loans?
- How long does the in-person process take?
- Do you need to have income to get approved?
- How will I receive the emergency money?
- How does repayment work?
To end the conversation, we will determine the Texas store closest to you where you can complete the process.
4. Get Approved At A Texas Store Location
You can now bring your required items to one of our Texas store locations. We have over 100 stores in cities like Fort Worth, Houston, San Antonio, and Laredo. Find the one closest to you and bring your required items for verification.
Once you arrive, a loan specialist will verify that you have the three required items we outlined above. They will ensure that your name matches across all of your documents. During this in-person meeting, they will also inspect your vehicle using nationally recognized pricing guides to determine how much your car is worth and establish your title loan’s value.
The following are some car factors that can affect your title loan’s value:
- Your vehicle’s age (year it was manufactured)
- Make and model (Ex, Toyota Tacoma)
- Interior and exterior condition
- Odometer reading (how many miles have you put on it?)
- Modifications
- Maintenance history
This process will take less than 30 minutes, allowing you to get same-day approval for title loans. If you get approved, the loan specialist will present the loan documents for you to sign to complete the process.
5. Sign The Agreement And Receive Your Emergency Cash
You will now have to sign the loan agreement. This means you agree to give up your lien-free car title as collateral to borrow an agreed-upon amount. As long as you agree to the terms and how much you can receive, sign the agreement to finish the process.
At this point, you can receive your money. When you get it depends on when you finish the process. If you do it earlier in the day, you can receive your cash the same day you apply. Those who finish the process later in the day will likely receive their money by the next business day.
Either way, you can receive your title loan within 24 hours!
Title Loan FAQs
Can you complete the whole title loan process online?
You must visit us in person to finish the title loan process, as we need to verify your required items and inspect your car. While you can start the process online, you must visit us to get the money you need.
How does title loan repayment work?
Normally, borrowers repay their title loans within 30 days of borrowing to avoid accruing excessive interest. We can discuss repayment over the phone or in person to establish a schedule that works for you. You can repay your title loan in one payment or spread it out over a few payments.
Can you get title loans with bad credit?
You can get title loans with no credit check because you use your car title as collateral. We do not require good credit to approve you. Borrowers can get bad credit title loans today, and don’t have to worry about title loans affecting their credit score.
Get Title Loans In Texas In Less Than 24 Hours – Borrow Up To $15,000 Today!
When you need cash fast for an urgent emergency, Texas Car Title and Payday Loan Services, Inc. can help with our 24-hour title loans. You can get a title loan online the same day you apply because of our simple requirements and speedy approval process. You can borrow up to $15,000 today – all credit types accepted!
Ready to get fast emergency financing? Fill out our online title loan form on this website before visiting us in person to get approved in 30 minutes. Get title loans in 24 hours with us now!
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.
