Xpress Payday wants to help. If you need cash quick, let us be your lender! With a quick, easy process, and friendly customer service, we can help make the unexpected a little easier!
A car title loan is a loan that allows you to get money using your car, motorcycle, or other accepted automobile as collateral. The amount you can borrow is based on your vehicle’s value and condition, among other factors.
We make the application process at Xpress Payday as quick and easy as possible, and usually takes less than 30 minutes. Below is a summary of our quick process: 1. Bring your vehicle to any Xpress Payday location. 2. Fill out our quick application. 3. Let one of our employees give your vehcile a quick and honest appraisal. 4. Sign all documents, including the agreement to repay your loan plus finance charges on the agreed upon date. 5. Walk out with a check up to the appraised amount, or have it directly deposited into your checking account.
To apply for a Xpress Payday car title loan, you must be 18 years old and will need to provide the following information: 1. Valid ID 2. Proof of address (Bill or bank statement from last 30 days) 3. Clear title 4. Vehicle in driving condition 5. Proof of vehicle insurance 6. Checking account in your name 7. Proof of steady income 8. Working telephone number
You must present a consistent source of income. Disability and unemployment are accepted.
The maximum amount you can get with a car title loan is dependent upon several things, including the condition and value of your vehicle, your credit condition, and your ability to repay your loan. Each situation is different.
Unfortunately, it is not possible to get a car title loan without a clear title. Another option may be a line of credit with Xpress Payday.
Xpress Payday can directly deposit your loan funds into your checking account. Or you can choose to receive a check in hand!
If you choose, Xpress Payday can directly deposits your funds to your bank account. While we transfer funds at the earliest available time, funding times vary by bank. You may also elect to pick up your cash immediately in any Xpress Payday store.
Car title loans typically have scheduled recurring payments. Your minimum payment each billing cycle equals the finance charge and 2% of the outstanding principal. Xpress Payday urges you to pay off your loan as quickly as you can to avoid accumulating large finance charges.
As part of our commitment to responsible lending, we require full payment on your due date. If an unavoidable circumstance arises, please contact us immediately. We will discuss your available options and work with you to resolve your situation.